Central Bank (Houston, TX)
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Data as of · sourced from FFIEC call reports. How we update
Central Bank is an FDIC-insured commercial bank headquartered in Houston, TX, established in 1956 (FDIC certificate 17612), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $1.42B, up 12.8% from Q2 2025, the 67th largest of 346 banks headquartered in Texas. Its CET1 capital ratio was 12.93% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 17612
- Headquarters
- Houston, TX
- Established
- 1956
- Total assets, Q2 2026
- $1.42B
- Assets vs Q2 2025
- +12.8%
- CET1 ratio, Q2 2026
- 12.93%
- Domestic offices
- 4 FDIC institution directory, current count
- Routing number
- 113001077
- Holding company
- CENTRAL BANCSHARES, INC.
- Asset rank in state
- 67th of 346 in Texas
Problem loans are rising at Central Bank. Its balance sheet stood at $1.4 billion at June 30, 2026, up 12.8% from a year earlier; it is based in Houston, Texas. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.54% of loans from 0.10% a year earlier. It returns 20.9% a year on shareholders' equity, higher than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median 12.6%). It also keeps 4.85 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 banks its size (median 3.71 cents).
Net income for the quarter rose 16% from a year earlier, to $6.6 million. Its $160 million commercial and industrial book is improving, with 0.03% past due or on nonaccrual, down from 0.55% a year earlier. Funding is the softer spot: it holds about two-fifths of its deposits (42%) above the FDIC insurance limit, higher than about three-quarters of banks its size (median 30.9%).
As of June 30, 2026, Central Bank reported a CET1 capital ratio of 12.93%, a return on assets of 1.96%, a nonperforming-loan ratio of 0.54% and a Texas ratio of 5.71%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Central Bank is the 67th largest of the 346 banks headquartered in Texas. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 5.1% to $1.42B, loans rose 7.3% and deposits rose 5.4%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 27.9% of total loans, followed by non-owner-occupied commercial real estate loans at 16.9%. Its 4 offices in the FDIC Summary of Deposits are in Houston, TX. On its Q2 2026 call report, Central Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 11201 Clay Rd, Houston, TX 77041
- County
- Harris
- Metro Area
- Houston-Pasadena-The Woodlands, TX
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 11, Dallas
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- May 31, 1956
- Former names
- Central Bank of Houston (1979-1999); Central National Bank of Houston (1961-1979)
- Domestic offices
- 4 FDIC institution directory, current count
- Employees (FTE)
- 162
- Domestic deposits
- $1.27B
- Allowance for credit losses
- $10.5M
- Net charge-offs (YTD)
- -$37K
- Average total assets
- $1.35B
- Average total loans
- $1.06B
- Average interest-bearing deposits
- $957.6M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- May 31, 1956
- FDIC Cert
- 17612
- Fed RSSD
- 31255
- SEC CIK
- 1565041 → filed by CENTRAL BANCSHARES, INC.
- Website
- www.centralbankhouston.com →
- Parent Holding Company
- CENTRAL BANCSHARES, INC. (RSSD 1106468)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Central Bank's total assets ran between $1.06B (Q3 2023) and $1.42B (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$1.42B total assets against $1.25B; $1.29B total liabilities against $1.14B.
$1.09B net loans and leases against $973.1M; $1.27B total deposits against $1.13B.
$218.1M securities against $186.0M; $59.5M cash and balances due against $54.0M.
$21.6M total interest income against $19.8M; $5.9M total interest expense against $5.1M.
$15.7M net interest income against $14.7M.
$2.0M total noninterest income against $1.4M; $10.8M total noninterest expense against $10.1M.
$235K provision for credit losses against $281K.
$6.6M net income against $5.7M.
1.96% return on assets against 1.88%; 4.85% net interest margin against 5.07%.
12.93% CET1 capital ratio against 12.90%; 10.07% tier 1 leverage ratio against 10.17%.
Inside the full Central Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Central Bank rankings
Its closest position to the top of a national ranking is 532 of 3,611, for ROA; its furthest is 1,428 of 2,134, for CET1 ratio.
Metric pages for Central Bank: Uninsured deposits.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.86% (Q1 2026) to 2.13% (Q3 2025) and its net interest margin ran from 4.63% (Q1 2026) to 5.25% (Q4 2024).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.93% | 1.96% | 0.54% | 5.71% | 4.85% |
| Q1 2026 | 13.31% | 1.86% | 0.04% | 1.69% | 4.63% |
| Q4 2025 | 13.34% | 2.03% | 0.06% | 1.86% | 4.92% |
| Q3 2025 | 13.03% | 2.13% | 0.07% | 1.98% | 5.22% |
| Q2 2025 | 12.90% | 1.88% | 0.10% | 2.36% | 5.07% |
| Q1 2025 | 13.08% | 1.92% | 0.05% | 1.95% | 5.01% |
| Q4 2024 | 12.94% | 2.00% | 0.09% | 2.37% | 5.25% |
| Q3 2024 | 12.89% | 1.92% | 0.17% | 2.97% | 5.20% |
Swipe the table sideways to see every column.
Branch Network
View all 4 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Central Bank (main office) | Houston , TX | 77041 | $886.9M |
| Post Oak Place Branch | Houston , TX | 77027 | $308.8M |
| Heights | Houston , TX | 77008 | $57.5M |
| Lower Heights Branch | Houston , TX | 77007 | $21.2M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| April 7, 1999 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 7, 1999 | Structure Change | Acquired Caldwell National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 12, 1989 | Structure Change | Acquired Lexington State Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| May 11, 1989 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 6, 1987 | Structure Change | Acquired Liberty Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| March 5, 1987 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 6 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in TX, rank 92 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 74 applications, 35 loans originated, $24.0M originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $970K approved, $970K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2022 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Central Bank
What are Central Bank's total assets?
As of the Q2 2026 filing, Central Bank reported total assets of $1.42 billion in its FFIEC call report.
Where is Central Bank headquartered?
It is headquartered in Houston, TX, United States.
When was Central Bank founded?
It was established in 1956, per the FDIC institution directory.
Is Central Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #17612). 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 Federal Reserve.
What is Central Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 12.93% in its Q2 2026 call report, above regulatory requirements.
How many branches does Central Bank operate?
It operates 4 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Central Bank's Texas Ratio?
Its Texas Ratio is 5.71% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was Central Bank previously called?
The charter now named Central Bank has also operated as Central Bank of Houston (1979-1999), Central National Bank of Houston (1961-1979), per FDIC structure-change records.
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