Branch Network
Central National Bank Locations & Branches Waco, Texas
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Central National Bank operates 5 branches from its headquarters in Waco, TX, .
Central National Bank branch network
All 5 branches are in TEXAS, across 3 cities. Waco, TX has the most of its branches, 2. Its largest office by deposits is its main office in Waco, TX, with $384.7M (29.3% of its branch deposits). On June 30, 2025 it had 4 branches, 1 fewer than in 2026.
Central National Bank at a glance
Its CET1 capital ratio was 12.55% at Q2 2026, above regulatory requirements.
- Total assets, Q2 2026
- $1.47B
- CET1 ratio, Q2 2026
- 12.55%
- Deposit insurance
- FDIC
- Regulator
- OCC
- Latest call report
- Q2 2026, FFIEC 051
- Established
- 1977
Full financial profile · Is Central National Bank safe? · Central National Bank call report · Routing number
Deposit market share
Share of all FDIC-insured deposits held in each area, from the June 30, 2026 Summary of Deposits. Rank 1 is the largest holder. Shares are by bank charter, not by holding company.
| Area | Rank | Deposit share | Deposits |
|---|---|---|---|
| City: Waco, TX (2 branches) | 2 of 21 | 11.5% | $742.0M |
| State: TX (5 branches) | 91 of 441 | <0.1% | $1.31B |
Ranked by total assets among banks headquartered in the state: Largest banks in Texas.
Share by county and metro area
Central National Bank's share of FDIC-insured deposits in the counties and metro areas where it has branches, from the June 30, 2026 Summary of Deposits. Up to the ten largest of each are shown, by the bank's deposits. Rank 1 is the largest holder. Banks only: credit unions are not in the Summary of Deposits.
Counties
| County | Rank | Deposit share | Deposits | County total |
|---|---|---|---|---|
| Mclennan, TX (2 branches) | 4 of 22 | 9.0% | $742.0M | $8.23B |
| Bell, TX (1 branch) | 7 of 19 | 6.3% | $336.8M | $5.38B |
| Travis, TX (2 branches) | 23 of 56 | 0.5% | $234.9M | $51.26B |
Metro areas
| Metro area | Rank | Deposit share | Deposits | Metro total |
|---|---|---|---|---|
| Waco, TX (2 branches) | 4 of 26 | 8.7% | $742.0M | $8.51B |
| Killeen-Temple, TX (1 branch) | 8 of 23 | 4.8% | $336.8M | $6.99B |
| Austin-Round Rock-Georgetown, TX (2 branches) | 34 of 73 | 0.3% | $234.9M | $70.41B |
| 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 |
Source: FDIC Summary of Deposits, June 30, 2026. How the survey works.
Regulator records: FDIC BankFind (cert 22396) · FFIEC NIC profile (RSSD 428060)