BanksCENTRAL NATIONAL BANK

CENTRAL NATIONAL BANK

WACO, TXLargeEst. Jan. 10, 1977, midnightFDIC #22396RSSD #428060OCC
Latest · 2025-12-31

CENTRAL NATIONAL BANK is an 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%. CET1 capital ratio: 12.52%, well above regulatory minimums. NPL ratio: 0.00% · Texas Ratio: 0.00%. Operates 4 domestic branches.

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 Margin4.10%
Yield on Assets6.20%
Cost of Funds2.14%

Asset Quality

NPL Ratio0.00%
Net Charge-Off Ratio0.01%
Texas Ratio0.00%
NPA Ratio0.00%
ACL / Loans1.20%

Capital & Liquidity

CET1 Ratio12.52%
Tier 1 Capital12.52%
Total Capital Ratio13.77%
Leverage Ratio9.92%
Loan-to-Deposit85.27%

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