CENTRAL NATIONAL BANK

WACO, TX | Large | Est. Jan. 10, 1977, midnight | FDIC #22396 | RSSD #428060 | OCC
Latest Report: 2025-12-31

CENTRAL NATIONAL BANK is aln large FDIC-insured commercial bank headquartered in WACO, TX, established in Jan. 10, 1977, midnight. As of 2025-12-31, the bank reported total assets of $1.5B and total deposits of $1.3B. Profitability stands at 2.21% ROA and 25.00% ROE, with a net interest margin of 4.10%. The bank's CET1 capital ratio is 12.52%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 0.00%. FDIC Certificate #22396.

Assets

$1.5B

Deposits

$1.3B

Loans

$1.1B

Equity

$129M

Profitability

Return on Assets (ROA) 2.21%
Return on Equity (ROE) 25.00%
Net Interest Margin (NIM) 4.10%
Yield on Assets 6.20%
Cost of Funds 2.97%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio 0.01%
Texas Ratio 0.00%
NPA Ratio 0.00%
ACL / Loans 1.20%

Capital & Liquidity

CET1 Ratio 12.52%
Tier 1 Capital 12.52%
Total Capital Ratio 13.77%
Leverage Ratio 9.92%
Loan-to-Deposit 85.27%

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