CENTRAL BANK
CENTRAL BANK is an FDIC-insured commercial bank headquartered in LITTLE ROCK, AR, established in 1912. As of , the bank reported total assets of $878M and total deposits of $696M. Profitability stands at 0.53% ROA and 5.62% ROE, with a net interest margin of 2.69%. CET1 capital ratio: 10.28%, well above regulatory minimums. NPL ratio: 1.54% · Texas Ratio: 12.50%. Operates 3 domestic branches.
Capital & Liquidity
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Watch flags
Automated conditions triggered on this bank's latest filing. Advisory only — see the source metric pages for full context.
Over 70% of deposits sit above the $250K FDIC insurance threshold. This is the depositor-concentration profile that triggered Silicon Valley Bank's March 2023 deposit run.
Loans outstanding exceed total deposits — the bank is funding the gap with wholesale sources (FHLB advances, brokered deposits, repo) that are more rate-sensitive and can dry up in a stress scenario.
Central Bank rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| 2025-12-31 | 10.28% | 0.53% | 1.54% | 12.50% | 2.69% |
| 2025-09-30 | 10.96% | 1.58% | 1.16% | 8.98% | 3.65% |
| 2025-06-30 | 10.90% | 1.73% | 1.19% | 9.36% | 3.63% |
| 2025-03-31 | 11.08% | 1.87% | 1.08% | 8.26% | 3.66% |
| 2024-12-31 | 11.13% | 1.89% | 1.16% | 8.74% | 3.64% |
| 2024-09-30 | 9.10% | 1.81% | 1.31% | 12.19% | 3.74% |
| 2024-06-30 | 9.18% | 1.62% | 1.43% | 13.41% | 3.67% |
| 2024-03-31 | 9.19% | 1.53% | 1.43% | 13.14% | 3.44% |
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Frequently asked about CENTRAL BANK
What are Central Bank's total assets?
As of the Q4 2025 filing, Central Bank reported total assets of $877.8 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Central Bank headquartered?
Central Bank is headquartered in LITTLE ROCK, AR, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Central Bank founded?
Central Bank was established in 1912, per the FDIC institution directory.
Is Central Bank FDIC-insured?
Yes. Central Bank is an FDIC-insured commercial bank (FDIC Certificate #1756). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Central Bank?
Central Bank's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Central Bank's CET1 capital ratio?
Central Bank reported a Common Equity Tier 1 (CET1) capital ratio of 10.28% in its most recent quarterly filing — above regulatory minimums.
How many branches does Central Bank operate?
Central Bank operates 3 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Central Bank's Texas Ratio?
Central Bank's Texas Ratio is 12.50% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.