Central National Bank (Waco, TX)
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Data as of · sourced from FFIEC call reports. How we update
Central National Bank is an FDIC-insured commercial bank headquartered in Waco, TX, established in 1977 (FDIC certificate 22396), and it is supervised by the OCC. At Q2 2026 it reported total assets of $1.47B, up 14.6% from Q2 2025, the 64th largest of 346 banks headquartered in Texas. Its CET1 capital ratio was 12.55% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 22396
- Headquarters
- Waco, TX
- Established
- 1977
- Total assets, Q2 2026
- $1.47B
- Assets vs Q2 2025
- +14.6%
- CET1 ratio, Q2 2026
- 12.55%
- Domestic offices
- 5 FDIC institution directory, current count
- Routing number
- 111907199
- Latest call report
- Q2 2026, FFIEC 051 · Central National Bank call report
- Holding company
- CENTRABANC CORPORATION
- Asset rank in state
- 64th of 346 in Texas
Central National Bank is one of the more profitable banks of its size. It reported $1.5 billion in assets at June 30, 2026, up 14.6% from a year earlier. It returns 22.6% 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 spends about 45 cents to bring in each dollar of revenue, lower than about three-quarters of banks its size (median 58 cents).
Its $247 million non-owner-occupied commercial real estate book is now fully current, after 2.69% of it was past due or on nonaccrual a year earlier. Deposits are coming in faster than loans: over the year loans rose 10.3% and deposits rose 15.1%. Funding is the softer spot: it holds about two-fifths of its deposits (44%) above the FDIC insurance limit, higher than about three-quarters of banks its size (median 30.9%).
As of June 30, 2026, Central National Bank reported a CET1 capital ratio of 12.55%, a return on assets of 2.07%, a nonperforming-loan ratio of 0.11% and a Texas ratio of 0.90%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Central National Bank is the 64th largest of the 346 banks headquartered in Texas. From Q1 2026 to Q2 2026, its total assets rose 1.9% to $1.47B, loans rose 3.7% and deposits rose 2.0%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 37.7% of total loans, followed by non-owner-occupied commercial real estate loans at 20.4%. The FDIC Summary of Deposits lists 5 offices for it, in Waco, TX, Temple, TX and Austin, TX; its Waco 2 offices book 56% of its branch deposits. On its Q2 2026 call report, Central National Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 8320 W Highway 84, Waco, TX 76712
- County
- Mclennan
- Metro Area
- Waco, TX
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 11, Dallas
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 10, 1977
- Domestic offices
- 5 FDIC institution directory, current count
- Employees (FTE)
- 107
- Domestic deposits
- $1.31B
- Allowance for credit losses
- $14.5M
- Net charge-offs (YTD)
- $196K
- Average total assets
- $1.45B
- Average total loans
- $1.18B
- Average interest-bearing deposits
- $1.08B
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 10, 1977
- FDIC Cert
- 22396
- Fed RSSD
- 428060
- Website
- www.cnbwaco.com →
- Parent Holding Company
- CENTRABANC CORPORATION (RSSD 1106132)
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
From Q3 2023 to Q2 2026, Central National Bank's total assets ranged from $1.19B (Q4 2023) to $1.50B (Q4 2025), 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
$1.47B total assets against $1.29B; $1.34B total liabilities against $1.17B.
$1.19B net loans and leases against $1.08B; $1.31B total deposits against $1.14B.
$134.3M securities against $116.4M; $123.4M cash and balances due against $70.6M.
$20.9M total interest income against $19.1M; $7.0M total interest expense against $6.6M.
$13.9M net interest income against $12.5M.
$797K total noninterest income against $665K; $6.6M total noninterest expense against $5.9M.
$603K provision for credit losses against $752K.
$7.5M net income against $6.5M.
2.07% return on assets against 2.01%; 3.91% net interest margin against 3.90%.
12.55% CET1 capital ratio against 12.70%; 9.94% tier 1 leverage ratio against 10.24%.
Inside the full Central National 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 National Bank rankings
Its closest position to the top of a national ranking is 408 of 3,606, for efficiency ratio; its furthest is 2,731 of 3,640, for Texas Ratio.
Metric pages for Central National Bank: Uninsured deposits.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.91% (Q3 2024) to 2.27% (Q4 2025) and its net interest margin ran from 3.50% (Q3 2024) to 3.95% (Q4 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.55% | 2.07% | 0.11% | 0.90% | 3.91% |
| Q1 2026 | 12.31% | 2.04% | 0.07% | 0.58% | 3.84% |
| Q4 2025 | 12.52% | 2.27% | 0.00% | 0.04% | 3.95% |
| Q3 2025 | 12.67% | 2.14% | 0.01% | 0.22% | 3.93% |
| Q2 2025 | 12.70% | 2.01% | 0.03% | 0.22% | 3.90% |
| Q1 2025 | 13.07% | 2.04% | 0.06% | 0.47% | 3.79% |
| Q4 2024 | 13.05% | 1.97% | 0.05% | 0.38% | 3.67% |
| Q3 2024 | 13.24% | 1.91% | 0.01% | 0.09% | 3.50% |
Swipe the table sideways to see every column.
Branch Network
View all 5 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 National Bank (main office) | Waco , TX | 76712 | $384.7M |
| Central Tower Branch | Waco , TX | 76710 | $357.3M |
| Temple Branch | Temple , TX | 76502 | $336.8M |
| Central National Bank Austin Westlake Branch | Austin , TX | 78746 | $154.6M |
| Austin Branch | Austin , TX | 78703 | $80.2M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in TX, rank 91 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 301 applications, 269 loans originated, $96.8M originated, across 7 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $432K approved, $432K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2010 (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 National Bank
What are Central National Bank's total assets?
As of the Q2 2026 filing, Central National Bank reported total assets of $1.47 billion in its FFIEC call report.
Where is Central National Bank headquartered?
It is headquartered in Waco, TX, United States.
When was Central National Bank founded?
It was established in 1977, per the FDIC institution directory.
Is Central National Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #22396). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Central National Bank?
Central National Bank's primary federal regulator is the OCC.
What is Central National Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 12.55% in its Q2 2026 call report, above regulatory requirements.
How many branches does Central National Bank operate?
It operates 5 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Central National Bank's Texas Ratio?
Its Texas Ratio is 0.90% 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.
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