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Bank call report · Waco, TX

Central National Bank Call Report

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Central National Bank filed its latest call report for the quarter ended June 30, 2026 on the FFIEC 051. Below are its 349 reported line items, schedule by schedule (741 items filed as zero are left out). The official PDF is on the FFIEC Central Data Repository.

Central National Bank call report filing details
Call report formFFIEC 051
Latest quarter filedQ2 2026 (June 30, 2026)
Federal Reserve RSSD ID428060
FDIC certificate number22396
Total assets$1.47B

Official Q2 2026 call report PDF (FFIEC) →

Central National Bank call report by schedule, Q2 2026

Dollar amounts are as filed, in the units the form uses. Each line item links to its definition; each schedule links to the full schedule reference for the FFIEC 051.

Schedule RC: Balance Sheet (24 items)

About Schedule RC · Central National Bank balance sheet trends

Central National Bank Schedule RC, Q2 2026
Line item Code Q2 2026
Total Assets RCON2170 $1.47B
Total Liabilities, Limited-life Preferred Stock, and Equity Capital RCON3300 $1.47B
Total Liabilities and Minority Interest RCON2948 $1.34B
Total Deposits RCON2200 $1.31B
Loans and Leases, Net of Unearned Income - Totals RCONB528 $1.21B
Loans and Leases, Net of Unearned Income and Allowance RCONB529 $1.19B
Total Interest-bearing Deposits in Foreign and Domestic Offices RCON6636 $1.11B
Deposits: Noninterest-bearing RCON6631 $204.4M
Undivided Profits and Capital Reserves RCON3632 $134.1M
Total Equity Capital RCON3210 $133.7M
Total Equity Capital Including Noncontrolling Minority Interests in Consolidated Subsidiaries RCONG105 $133.7M
Available-for-sale debt securities (from Schedule RC-B, column D) RCON1773 $133.5M
Interest-bearing Balances RCON0071 $106.4M
Noninterest-bearing Balances and Currency and Coin RCON0081 $17.0M
Allowance for Loan and Lease Losses RCON3123 $14.5M
Other Borrowed Money RCON3190 $14.4M
Premises and Fixed Assets (Including Capitalized Leases) RCON2145 $14.1M
Other Liabilities, Total RCON2930 $12.4M
Accumulated Other Comprehensive Income RCONB530 -$10.4M
Surplus RCON3839 $9.4M
Other Assets RCON2160 $7.4M
Loans and Leases Held for Sale RCON5369 $864K
Equity securities with readily determinable fair values not held for trading RCONJA22 $779K
Common Stock RCON3230 $520K
Schedule RI: Income Statement (40 items)

About Schedule RI · Central National Bank income statement trends

Central National Bank Schedule RI, Q2 2026
Line item Code Q2 2026
Total Interest Income RIAD4107 $41.6M
Interest and Fee Income on Loans, Total RIAD4010 $37.7M
Net Interest Income RIAD4074 $27.5M
Interest and Fee Income on All Other Loans Secured by Real Estate RIAD4436 $18.5M
Income (loss) before change in net unrealized holding gains (losses) on equity securities not held for trading, applicable income taxes, and discontinued operations operations (item 3 plus or minus items 4, 5.m, 6.a, 6.b, and 7.e) RIADHT69 $14.9M
Income (Loss) Before Applicable Income Taxes and Discontinued Operations RIAD4301 $14.8M
Income (Loss) Before Discontinued Operations RIAD4300 $14.8M
Net Income (Loss) RIAD4340 $14.8M
Net Income (Loss) Attributable to Bank and Noncontrolling Minority Interests RIADG104 $14.8M
Total Interest Expense RIAD4073 $14.0M
Interest and Fee Income on Loans Secured by 1-4 Family Residential Properties RIAD4435 $13.8M
Total Noninterest Expense RIAD4093 $13.1M
Salaries and Employee Benefits RIAD4135 $8.0M
Interest and Fee Income on Commercial and Industrial Loans RIAD4012 $5.0M
Savings Deposits (Including Mmdas) RIAD0093 $4.6M
Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of More Than 250000 RIADHK04 $3.7M
Other Noninterest Expense RIAD4092 $3.7M
Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of 250000 or Less RIADHK03 $3.4M
Interest Income on Balances Due from Depository Institutions RIAD4115 $2.3M
Interest on Transaction Accounts (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) RIAD4508 $2.2M
Total Noninterest Income RIAD4079 $1.4M
Expenses of Premises and Fixed Assets RIAD4217 $1.4M
Interest and Dividend Income on Securities: Mortgage-backed Securities RIADB489 $1.4M
Provision for Loan and Lease Losses RIAD4230 $982K
Provisions for Credit Losses on Financial Assets RIADJJ33 $982K
Other Noninterest Income RIADB497 $941K
Service Charges on Deposit Accounts in Domestic Offices RIAD4080 $287K
Loans to Individuals for Household, Family, and Other Personal Expenditures: Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) RIADB486 $263K
Net Gains (Losses) on Sales of Loans RIAD5416 $178K
Interest and Fee Income on All Other Loans in Domestic Offices RIAD4058 $142K
Estimated Income on Tax-exempt Loans and Leases to States and Political Subdivisions in the U.S. RIAD4313 $113K
Other Interest Expense RIADGW44 $112K
Interest and Dividend Income on Tax-exempt Securities Issued by States and Political Subdivisions in the U.S. RIAD4507 $73K
Interest on Other Securities RIAD4060 $73K
Interest and Dividend Income on Securities: U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) RIADB488 $69K
Other Interest Income RIAD4518 $51K
Net Gains (Losses) on Sales of Other Assets (Excluding Securities) RIADB496 $43K
Interest and Fee Income on Loans to Finance Agricultural Production and Other Loans to Farmers in Domestic Offices RIAD4024 $19K
Unrealized holding gains (losses) on equity securities not held for trading RIADHT70 -$9K
Number of Full Time Equivalent Employees on Payroll at End of Current Period RIAD4150 107
Schedule RC-B: Securities (20 items)

About Schedule RC-B · Central National Bank securities trends

Central National Bank Schedule RC-B, Q2 2026
Line item Code Q2 2026
Total Amortized Cost of Available-for-sale Securities RCON1772 $143.9M
Mortgage backed securities (MBS), Issued or guarnteed by FNMA, FHLMC, or GNMA, Available for sale, Amortized Cost RCONHT56 $110.6M
Mortgage backed securities (MBS), Issued or guarnteed by FNMA, FHLMC, or GNMA, Available for sale, Fair Value RCONHT57 $100.7M
Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through 15 Years RCONA559 $68.3M
Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over 15 Years RCONA560 $31.1M
Fixed Rate and Floating Rate Debt Securities with a Remaining Maturity of One Year or Less RCONA248 $20.9M
Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Three Months of Less RCONA549 $20.2M
US government agency obligations (exclude mortgage-backed securities), Available for sale, Amortized Cost RCONHT52 $20.0M
US government agency obligations (exclude mortgage-backed securities), Available for sale, Fair Value RCONHT53 $20.0M
Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years RCONA551 $9.5M
Amortized Cost of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. RCON8498 $7.2M
Fair Value of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. RCON8499 $7.0M
Amortized Cost of Available-for-sale U.S. Treasury Securities RCON1286 $6.0M
Fair Value of Available-for-sale U.S. Treasury Securities RCON1287 $5.8M
Pledged Securities RCON0416 $3.8M
Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through Fifteen Years RCONA553 $1.9M
Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years RCONA557 $932K
Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months RCONA550 $787K
Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Years Through Five Years RCONA558 $458K
Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Years Through Five Years RCONA552 $429K
Schedule RC-C, Part I: Loans and Leases (35 items)

About Schedule RC-C, Part I · Central National Bank loans and leases trends

Central National Bank Schedule RC-C, Part I, Q2 2026
Line item Code Q2 2026
Total Loans and Leases, Net of Unearned Income RCON2122 $1.21B
Pledged Loans and Leases RCONG378 $506.4M
All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less RCONA570 $449.7M
All Other Loans Secured by 1-4 Family Residential Properties: Secured by First Liens RCON5367 $428.5M
Fixed Rate and Floating Rate Loans and Leases with a Remaining Maturity of One Year or Less RCONA247 $424.4M
Adjustable Rate Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties RCON5370 $275.5M
Loans Secured by Other Nonfarm Nonresidential Properties. RCONF161 $247.0M
Commercial and Industrial Loans RCON1766 $157.3M
All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months RCONA571 $140.1M
Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years RCONA567 $126.5M
Loans Secured by Other Construction Loans and All Land Development and Other Land Loans RCONF159 $124.9M
Loans Secured by Owner Occupied Nonfarm Nonresidential Properties RCONF160 $122.8M
Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years RCONA566 $115.8M
Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months RCONA565 $111.1M
All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years RCONA572 $95.5M
All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years RCONA573 $74.7M
Loans Secured by 1-4 Family Residential Construction RCONF158 $47.4M
Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less RCONA564 $40.7M
Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years RCONA569 $24.5M
Real Estate Loans Secured by Farmland RCON1420 $19.1M
All Other Loans Secured by 1-4 Family Residential Properties: Secured by Junior Liens RCON5368 $17.9M
Real Estate Loans Secured by Multi-family (5 or More) Residential Properties RCON1460 $14.4M
All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years RCONA575 $12.0M
Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years RCONA568 $9.9M
Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit RCON1797 $9.4M
All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years RCONA574 $8.9M
Obligations (Other Than Securities and Leases) of States and Political Subdivisions in the U.S. RCON2107 $6.1M
Loans to Nondepository Financial Institutions and Other Loans: Loans to Nondepository Financial Institutions RCONJ454 $5.9M
Other Consumer Loans to Individuals for Household, Family, and Other Personal Expenditures (Includes Single Payment, Installment, and All Student Loans) RCONK207 $5.0M
Automobile Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper) RCONK137 $2.5M
Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper): Other Revolving Credit Plans RCONB539 $851K
Loans to Finance Agricultural Production and Other Loans to Farmers RCON1590 $387K
Loan Modifications to Borrowers Experiencing Financial Difficulty - Construction, Land Development, and Other Land Loans: Other Construction Loans and All Land Development and Other Land Loans RCONK159 $101K
Total Loan Modifications to Borrowers Experiencing Financial Difficulty That Are in Compliance with Their Modified Terms RCONHK25 $101K
Other Loans RCONJ464 $53K
Schedule RC-C, Part II: Loans to Small Businesses and Small Farms (24 items)

About Schedule RC-C, Part II

Central National Bank Schedule RC-C, Part II, Q2 2026
Line item Code Q2 2026
Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 RCON5569 $28.4M
Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 RCON5575 $15.0M
Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 RCON5573 $7.4M
Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less RCON5571 $3.0M
Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 RCON5567 $2.9M
Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 RCON5581 $1.3M
Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 RCON5583 $1.0M
Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less RCON5565 $597K
Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of $100,000 or Less RCON5579 $86K
Amount Currently Outstanding of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 RCON5589 $71K
Amount Currently Outstanding of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 RCON5587 $65K
Amount Currently Outstanding of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of $100,000 or Less RCON5585 $32K
Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less RCON5570 128
Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 RCON5572 74
Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 RCON5568 65
Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 RCON5574 64
Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 RCON5566 22
Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less RCON5564 14
Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 RCON5580 8
Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 RCON5582 4
Number of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of $100,000 or Less RCON5584 4
Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of $100,000 or Less RCON5578 2
Number of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 RCON5586 2
Number of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 RCON5588 1
Schedule RC-E: Deposit Liabilities (33 items)

About Schedule RC-E · Central National Bank deposit liabilities trends

Central National Bank Schedule RC-E, Q2 2026
Line item Code Q2 2026
Total Nontransaction Accounts (Including Mmda's) RCON2385 $811.6M
Total Nontransaction Accounts Deposits of Individuals, Partnerships, and Corporations RCONB550 $660.9M
Total Transaction Accounts RCON2215 $502.0M
Total Transaction Accounts - Deposits of Individuals, Partnerships, and Corporation RCONB549 $467.6M
Money Market Deposit Accounts (Mmda's) RCON6810 $384.9M
Total Demand Deposits (See Note Below) RCON2210 $372.3M
Components of Total Nontransaction Accounts: Total Time Deposits of More Than $250,000 RCONJ474 $192.8M
Time Deposits of 250000 or Less with a Remaining Maturity of One Year or Less RCONHK11 $175.3M
Time Deposits of More Than $250,000 with a Remaining Maturity of One or Year Less RCONK222 $162.6M
Total Nontransaction Accounts of States and Political Subdivisions in the U.S. RCON2530 $147.5M
Total reciprocal deposits RCONJH83 $139.2M
Total Time Deposits of Less Than $100,000 RCON6648 $122.3M
Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months RCONHK08 $115.8M
Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months RCONHK13 $106.7M
Sweep deposits: Fully insured, non-affiliate sweep deposits RCONMT91 $88.4M
Total sweep deposits that are not brokered deposits RCONMT95 $88.4M
Selected Components of Total Deposits, Brokered Deposits of 250000 or Less (Fully Insured Brokered Deposits) RCONHK05 $85.2M
Selected Components of Total Deposits, Brokered Deposits of 250000 or Less with a Remaining Maturity of One Year or Less RCONHK06 $85.2M
Total Brokered Deposits RCON2365 $85.2M
Components of Total Nontransaction Accounts: Total Time Deposits of $100,000 Through $250,000 RCONJ473 $66.4M
Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Three Months or Less RCONHK07 $59.6M
Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Three Months or Less RCONHK12 $55.9M
Other Nontransaction Savings Deposits (Excludes Mmda's) RCON0352 $45.2M
Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years RCONHK14 $29.6M
Total Transaction Accounts - Deposits of States and Political Subdivisions in the U.S. RCON2203 $29.4M
Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years RCONHK09 $12.5M
All Time and Savings Deposits Held in IRA and Keogh Plan Accounts RCON6835 $11.0M
Individual Retirement Accounts (Iras) and Keogh Plan Accounts Included in Memorandum Item 2.C, 'Total Time Deposits of $100,000 or More,' Above RCONF233 $6.5M
Total Transaction Accounts - Deposits of Commercial Banks and Other Depository Institutions in the U.S. RCONB551 $5.0M
Total Nontransaction Accounts of Commercial Banks and Other Depository Institutions in the U.S. RCONB552 $3.2M
Estimated Amount of Deposits Obtained Through the Use of Deposit Listing Services That Are Not Brokered Deposits RCONK223 $2.3M
Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Years RCONHK10 $911K
Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over Three Years RCONHK15 $602K
Schedule RC-F: Other Assets (4 items)

About Schedule RC-F

Central National Bank Schedule RC-F, Q2 2026
Line item Code Q2 2026
Accrued Interest Receivable RCONB556 $4.3M
Historical Cost of All Other Available-for-sale Equity Securities RCON1752 $1.6M
Other Assets RCON2168 $1.5M
Prepaid Expenses RCON2166 $1.2M
Schedule RC-G: Other Liabilities (5 items)

About Schedule RC-G

Central National Bank Schedule RC-G, Q2 2026
Line item Code Q2 2026
All Other Liabilities RCON2938 $5.4M
Operating lease liabilities RCONLB56 $5.4M
Interest Accrued and Unpaid on Deposits (in Domestic Offices) RCON3645 $3.3M
Other Expenses Accrued and Unpaid RCON3646 $2.8M
Allowance for Credit Losses on Off-balance Sheet Credit Exposures RCONB557 $850K
Schedule RC-K: Quarterly Averages (16 items)

About Schedule RC-K · Central National Bank quarterly averages trends

Central National Bank Schedule RC-K, Q2 2026
Line item Code Q2 2026
Quarterly Average of Total Assets RCON3368 $1.45B
Quarterly Average of Total Loans RCON3360 $1.18B
Quarterly Average of All Other Loans Secured by Real Estate RCON3466 $578.3M
Quarterly Average of Loans Secured by 1-4 Family Residential Properties RCON3465 $436.1M
Nontransaction Accounts in Domestic Offices: Savings Deposits RCONB563 $404.0M
Transaction Accounts (in Domestic Offices) (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) - Quarterly Average RCON3485 $287.4M
Liabilities, Nontransaction Accounts, Time Deposits of More Than 250000 RCONHK17 $199.3M
Liabilities, Nontransaction Accounts, Time Deposits of 250000 or Less RCONHK16 $185.8M
Quarterly Average of Commercial and Industrial Loans RCON3387 $155.7M
Quarterly Average of Interest-bearing Balances Due from Depository Institutions RCON3381 $111.5M
Mortgage-backed Securities RCONB559 $110.1M
Quarterly Average of Other Borrowed Money RCON3355 $14.5M
U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) RCONB558 $9.8M
All Other Securities RCONB560 $8.0M
Loans to Individuals for Household, Family, and Other Personal Expenditures: Other RCONB562 $7.2M
Quarterly Average of Loans to Finance Agricultural Production and Other Loans to Farmers RCON3386 $511K
Schedule RC-L: Derivatives and Off-Balance-Sheet Items (10 items)

About Schedule RC-L · Central National Bank derivatives and off-balance-sheet items trends

Central National Bank Schedule RC-L, Q2 2026
Line item Code Q2 2026
All Other Off-balance Sheet Liabilities RCON3430 $137.9M
Standby Letters of Credit Issued by a Federal Home Loan Bank on the Bank's Behalf RCONC978 $137.9M
Other Unused Commitments: Commercial and Industrial Loans RCONJ457 $107.0M
Commercial Real Estate, Other Construction Loan and Land Development Loan Commitments RCONF165 $94.6M
1-4 Family Residential Construction Loan Commitments RCONF164 $54.6M
Total Gross Notional Amount of Interest Rate Derivative Contracts Held for Purposes Other Than Trading: Contracts Marked to Market RCON8725 $22.2M
Other Unused Commitments: All Other Unused Commitments RCONJ459 $17.4M
Unused Commitments - Revolving, Open-end Lines Secured by 1-4 Family Residential Properties RCON3814 $10.2M
Other unused commitments: Loans to nondepository financial institutions RCONPV11 $8.1M
Financial Standby Letters of Credit and Foreign Office Guarantees RCON3819 $3.5M
Schedule RC-M: Memoranda (8 items)

About Schedule RC-M · Central National Bank memoranda trends

Central National Bank Schedule RC-M, Q2 2026
Line item Code Q2 2026
Aggregate Amount of All Extensions of Credit to All Executive Officers, Directors, Principal Shareholders, and Their Related Interests RCON6164 $6.1M
Other Borrowed Money: Other Borrowings with a Remaining Maturity or Next Repricing Date of One Year or Less RCONF060 $4.0M
Other Borrowings: with a Remaining Maturity of One Year or Less RCONB571 $4.0M
Secured Liabilities: Amount of 'Other Borrowings' That Are Secured RCONF065 $4.0M
FHLB Advances: Advances with a Remaining Maturity or Next Repricing Date of Over Three Through Five Years RCONF057 $3.8M
FHLB Advances: Advances with a Remaining Maturity or Next Repricing Date of Over Five Years RCONF058 $3.6M
FHLB Advances: Advances with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years RCONF056 $3.0M
Number of Executive Officers, Directors, and Principal Shareholders to Whom the Amount of All Extensions of Credit by the Reporting Bank (Including Extensions of Credit to Related Interests) Equals or Exceeds the Lesser of $500,000 or 5 Percent of Total Capital as Defined for This Purpose in Agency Regulations RCON6165 4
Schedule RC-N: Past Due and Nonaccrual Loans, Leases, and Other Assets (13 items)

About Schedule RC-N · Central National Bank past due and nonaccrual loans, leases, and other assets trends

Central National Bank Schedule RC-N, Q2 2026
Line item Code Q2 2026
Total Loans and Lease Financing Receivables: Past Due 30-89 Days and Still Accruing RCON1406 $6.8M
Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-past Due 30 Thru 89 Days and Still Accruing RCONC236 $3.1M
Other Construction Loans and All Land Development and Other Land Loans, Past Due 31 - 89 Days RCONF173 $1.8M
Total Loans and Lease Financing Receivables: Past Due 90 Days or More and Still Accruing RCON1407 $1.3M
Commercial and Industrial Loans - Past Due 30-89 Days and Still Accruing RCON1606 $1.1M
1-4 Family Residential Construction Loans: Past Due 31 - 89 Days RCONF172 $734K
Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-past Due 90 Days or More and Still Accruing RCONC237 $690K
Loans Secured by Owner-occupied Nonfarm Nonresidential Properties, 90 or More Days Past Due and Still Accruing RCONF180 $432K
Commercial and Industrial Loans - Past Due 90 Days or More and Still Accruing RCON1607 $126K
Closed-end Loans Secured by 1-4 Family Residential Properties:secured by Junior Liens-past Due 30 Thru 89 Days and Still Accruing RCONC238 $108K
Other Construction Loans and All Land Development and Other Land Loans, Past Due 90 or More Days and Still Accruing. RCONF175 $90K
Loans to Individuals for Household, Family and Other Personal Expenditures: Automobile Loans - Past Due 30 Through 89 Days and Still Accruing RCONK213 $25K
Loans to Individuals for Household, Family and Other Personal Expenditures: Other - Past Due 30 Through 89 Days and Still Accruing RCONK216 $1K
Schedule RC-O: Other Data for Deposit Insurance Assessments (13 items)

About Schedule RC-O · Central National Bank other data for deposit insurance assessments trends

Central National Bank Schedule RC-O, Q2 2026
Line item Code Q2 2026
Average Consolidated Total Assets for the Calendar Quarter RCONK652 $1.45B
Total Deposit Liabilities as Defined in Section 3(1) of the Federal Deposit Insurance Act Before Exclusions RCONF236 $1.32B
Amount of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 RCONF051 $712.0M
Amount of Deposit Accounts (Excluding Retirement Accounts) of $250,000 or Less RCONF049 $592.2M
Estimated Amount of Uninsured Assessable Deposits in Domestic Offices of the Bank and in Insured Branches in Puerto Rico and U.S. Territories and Possessions, Including Related Interest Accrued and Unpaid RCON5597 $572.4M
Average Tangible Equity for the Calendar Quarter RCONK654 $141.5M
Amount of Retirement Deposits Accounts of $250,000 or Less RCONF045 $11.0M
Amount of Retirement Deposit Accounts of More Than $250,000 RCONF047 $1.8M
Number of Deposit Accounts (Excluding Retirement Accounts)of $250,000 or Less RCONF050 17,064
Number of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 RCONF052 745
Number of Retirement Deposit Accounts of $250,000 or Less RCONF046 377
Number of Retirement Deposit Accounts of More Than $250,000 RCONF048 5
Averaging Method Used RCONK653 1
Schedule RC-R: Regulatory Capital (2 items)

About Schedule RC-R · Central National Bank regulatory capital trends

Central National Bank Schedule RC-R, Q2 2026
Line item Code Q2 2026
Risk-weighted Assets Before Deductions for Excess Allowance for Loan and Lease Losses and Allocated Transfer Risk Reserve - 100% RCONB704 $1.15B
Excess Allowance for Loan and Lease Losses RCONA222 $1.0M
Schedule RC-R, Part I: Regulatory Capital Components and Ratios (21 items)

About Schedule RC-R, Part I · Central National Bank regulatory capital components and ratios trends

Central National Bank Schedule RC-R, Part I, Q2 2026
Line item Code Q2 2026
Average Total Assets (Net of Deductions) RCOAA224 $1.45B
Average total consolidated assets RCOAKW03 $1.45B
Risk-weighted Assets (Net of Allowances and Other Deductions) RCOAA223 $1.15B
Total Qualifying Capital Allowable Under the Risk-based Capital Guidelines RCOA3792 $158.4M
Common Equity Tier 1 Capital RCOAP859 $144.0M
Subtotal of Common Equity Tier 1 Capital: Adjustments and Deductions RCOAP852 $144.0M
Tier 1 Capital Allowable Under the Risk-based Capital Guidelines RCOA8274 $144.0M
Retained Earnings RCOAKW00 $134.1M
Common Equity Tier 1 Capital Before Adjustments and Deductions RCOAP840 $133.7M
General Loan and Lease Valuation Allowances RCOA5310 $14.4M
Tier 2 (Supplementary) Capital RCOA5311 $14.4M
Tier 2 Capital Before Deductions RCOAP870 $14.4M
Accumulated Other Comprehensive Income RCOAB530 -$10.4M
Less: Net Unrealized Gains (Losses) on Available-for-sale Debt Securities (If a Gain, Report as a Positive Value, If a Loss, Report as a Negative Value) RCOAP844 -$10.4M
Common Equity Tier 1 Capital: Common Stock Plus Related Surplus, Net of Treasury Stock and Unearned Employee Stock Ownership Plan (ESOP) Shares RCOAP742 $9.9M
A. AOCI Opt-out Election (Enter '1' for Yes, Enter '0' for No.) RCOAP838 1
Total Risk-based Capital Ratio RCOA7205 0.138
Common Equity Tier 1 Capital Ratio RCOAP793 0.1255
Tier 1 Risk-based Capital Ratio RCOA7206 0.1255
Tier 1 Leverage Capital Ratio RCOA7204 0.0994
Institution-specific Capital Buffer Necessary to Avoid Limitations on Distributions and Discretionary Bonus Payments: Capital Conservation Buffer RCOAH311 0.058
Schedule RC-R, Part II: Risk-Weighted Assets (54 items)

About Schedule RC-R, Part II · Central National Bank risk-weighted assets trends

Central National Bank Schedule RC-R, Part II, Q2 2026
Line item Code Q2 2026
Risk-weighted Assets for Purposes of Calculating the Allowance for Loan and Lease Losses 1.25 Percent Threshold RCONS580 $1.15B
Total Risk-weighted Assets RCONG641 $1.15B
Risk-weighted Assets by Risk-weighted Category - 100 Pct Risk Weight Category RCONG637 $805.5M
Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 100 Pct Risk Weight Category RCONG633 $805.5M
Total Balance Sheet Assets - 100 Pct Risk Weight Category RCOND990 $750.7M
Total Loans and Leases, Net of Unearned Income, All Other Exposures RCONS457 $719.8M
Loans and Leases, Net of Unearned Income, All Other Exposures - 100 Pct Risk Weight Category RCONS462 $713.2M
Total Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures RCONS439 $455.0M
Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 50 Pct Risk Weight Category RCONG632 $439.8M
Total Balance Sheet Assets - 50 Pct Risk Weight Category RCOND989 $438.7M
Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 50 Pct Risk Weight Category RCONS442 $437.8M
Risk-weighted Assets by Risk-weighted Category - 50 Pct Risk Weight Category RCONG636 $219.9M
Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, Face, Notional or Other Amount RCONS525 $173.4M
Available-for-sale debt securities and equity securities with readily determinable fair values not held for trading purposes, Total Fair Value RCONJA21 $134.3M
Total Cash and Balances Due from Depository Institutions RCOND957 $123.4M
Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 2 Pct Risk Weight Category RCONS558 $119.5M
Total Balance Sheet Assets, Allocation by Risk Weight Category 2% RCONHJ90 $119.5M
Securities, Available-for-sale Debt Securities , Allocation by Risk Weight Category 2% RCONHJ76 $117.8M
Unused Commitments, Original Maturity Exceeding One Year - Face, Notional, or Other Amount RCONG624 $104.9M
Risk-weighted Assets by Risk-weighted Category - 150 Pct Risk Weight Category RCONS572 $102.9M
Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 20 Pct Risk Weight Category RCONG631 $93.0M
Total Balance Sheet Assets - 20 Pct Risk Weight Category RCOND988 $93.0M
Cash and Balances Due from Depository Institutions - 20 Pct Risk Weight Category RCOND959 $86.5M
Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 150 Pct Risk Weight Category RCONS561 $68.6M
Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 0 Pct Risk Weight Category RCONG630 $63.3M
Total Balance Sheet Assets - 0 Pct Risk Weight Category RCOND987 $63.3M
Unused Commitments, Original Maturity Exceeding One Year - 100 Pct Risk Weight Category RCONG629 $52.5M
Unused Commitments, Original Maturity Exceeding One Year - Credit Equivalent Amount RCONG625 $52.5M
Cash and Balances Due from Depository Institutions - 0 Pct Risk Weight Category RCOND958 $36.9M
Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, 150% RCONS531 $34.7M
Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, Credit Equivalent Amount RCONS526 $34.7M
Total Balance Sheet Assets - 150 Pct Risk Weight Category RCONS503 $33.9M
Loans and Leases, Net of Unearned Income, High Volatility Commercial Real Estate Exposures - 150 Pct Risk Weight Category RCONS447 $33.3M
Total Loans and Leases, Net of Unearned Income, High Volatility Commercial Real Estate Exposures RCONS445 $33.3M
Available-for-sale Securities - 0 Pct Risk Weight Category RCOND967 $26.0M
Total Balance Sheet Assets - Adjustments to Total Reported in Column a RCONS500 -$24.9M
Total All Other Assets RCOND981 $21.4M
All Other Assets - 100 Pct Risk Weight Category RCOND985 $19.5M
Risk-weighted Assets by Risk-weighted Category - 20 Pct Risk Weight Category RCONG635 $18.6M
Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 100 Pct Risk Weight Category RCONS443 $17.2M
Available-for-sale Securities - Adjustment to Totals Reported in Column a RCONS402 -$10.4M
Loans and Leases, Net of Unearned Income, All Other Exposures - 20 Pct Risk Weight Category RCONS460 $6.5M
Financial Standby Letters of Credit - Credit Equivalent Amount RCOND992 $3.5M
Financial Standby Letters of Credit - Face, Notional, or Other Amount RCOND991 $3.5M
Risk-weighted Assets by Risk-weighted Category - 2 Pct Risk Weight Category RCONS569 $2.4M
Financial Standby Letters of Credit - 100 Pct Risk Weight Category RCOND996 $2.3M
All Other Assets, Allocation by Risk Weight Category 2% RCONHJ88 $1.6M
Financial Standby Letters of Credit - 50 Pct Risk Weight Category RCOND995 $1.2M
Loans and Leases Held for Sale, Residential Mortgage Exposures - 50 Pct Risk Weight Category RCONS416 $864K
Total Loans and Leases Held for Sale, Residential Mortgage Exposures RCONS413 $864K
Available-for-sale Securities - 100 Pct Risk Weight Category RCOND970 $779K
Loans and Leases, Net of Unearned Income, Exposures Past Due 90 Days or More or on Nonaccrual - 150 Pct Risk Weight Category RCONS455 $648K
Total Loans and Leases, Net of Unearned Income, Exposures Past Due 90 Days or More or on Nonaccrual RCONS449 $648K
All Other Assets - 0 Pct Risk Weight Category RCOND982 $330K
Schedule RI-A: Changes in Bank Equity Capital (5 items)

About Schedule RI-A

Central National Bank Schedule RI-A, Q2 2026
Line item Code Q2 2026
Total Equity Capital RIAD3210 $133.7M
Balance End of Previous Calendar Year as Restated RIADB508 $129.4M
Equity Capital, Most Recently Reported for the End of Previous Calendar Year (I.e., After Adjustments from Amended Reports of Income) RIAD3217 $129.4M
Cash Dividends Declared on Common Stock RIAD4460 $9.8M
Other Comprehensive Income RIADB511 -$753K
Schedule RI-B, Part I: Charge-offs and Recoveries on Loans and Leases (6 items)

About Schedule RI-B, Part I · Central National Bank charge-offs and recoveries on loans and leases trends

Central National Bank Schedule RI-B, Part I, Q2 2026
Line item Code Q2 2026
Charge-offs on Allowance for Loan and Lease Losses RIAD4635 $206K
Charge-offs on Commercial and Industrial Loans RIAD4638 $192K
Charge-offs All Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) RIADK205 $14K
Recoveries on Allowance for Loan and Lease Losses RIAD4605 $10K
Recoveries All Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) RIADK206 $9K
Recoveries on Commercial and Industrial Loans RIAD4608 $1K
Schedule RI-B, Part II: Changes in Allowances for Credit Losses (3 items)

About Schedule RI-B, Part II · Central National Bank changes in allowances for credit losses trends

Central National Bank Schedule RI-B, Part II, Q2 2026
Line item Code Q2 2026
Allowance for Loan and Lease Losses RIAD3123 $14.5M
Balance Most Recently Reported for the December 31, 2000, Reports of Condition and Income(i.e., After Adjustments from Amended Report of Income) RIADB522 $13.8M
Charge-offs on Allowance for Loan and Lease Losses RIADC079 $206K
Schedule RI-C: Disaggregated Data on the Allowance for Credit Losses (13 items)

About Schedule RI-C

Central National Bank Schedule RI-C, Q2 2026
Line item Code Q2 2026
Loans and Leases, Held for Investment, Total, Amortized Cost RCONJJ11 $1.21B
Loans and Leases, Held for Investment, Real estate loans, Residential real estate loans, Amortized Cost RCONJJ06 $489.4M
Loans and Leases, Held for Investment, Real estate loans, Commercial real estate loans, Amortized Cost RCONJJ05 $369.8M
Loans and Leases, Held for Investment, Real estate loans, Construction loans, Amortized Cost RCONJJ04 $172.3M
Loans and Leases, Held for Investment, Commerical loans, Amortized Cost RCONJJ07 $169.7M
Loans and Leases, Held for Investment, Total, Allowance Balance RCONJJ19 $14.5M
Loans and Leases, Held for Investment, Other consumer loans, Amortized Cost RCONJJ09 $8.3M
Loans and Leases, Held for Investment, Real estate loans, Residential real estate loans, Allowance Balance RCONJJ14 $5.7M
Loans and Leases, Held for Investment, Real estate loans, Commercial real estate loans, Allowance Balance RCONJJ13 $3.6M
Loans and Leases, Held for Investment, Unallocated, Allowance Balance RCONJJ18 $2.3M
Loans and Leases, Held for Investment, Commerical loans, Allowance Balance RCONJJ15 $1.7M
Loans and Leases, Held for Investment, Real estate loans, Construction loans, Allowance Balance RCONJJ12 $1.2M
Loans and Leases, Held for Investment, Other consumer loans, Allowance Balance RCONJJ17 $96K

Central National Bank call reports on file

Each link opens the bank's filed report on the FFIEC Central Data Repository.

Where can I find the Central National Bank call report?

The Central National Bank call report for the quarter ended June 30, 2026 is on this page, schedule by schedule. The official PDF is on the FFIEC Central Data Repository, linked here for every quarter on file. Call reports are public: anyone can read or download them without an account.

Which call report form does Central National Bank file?

Central National Bank files the FFIEC 051. The FFIEC 031 is for banks with foreign offices, the FFIEC 041 for banks with domestic offices only, and the FFIEC 051 is the streamlined form most domestic banks under $5 billion in total assets may file.

What is the Central National Bank call report number?

A call report has no number of its own. It is filed and looked up by the bank's identifiers: Central National Bank has Federal Reserve RSSD ID 428060 and FDIC certificate number 22396. Either one finds its filings on the FFIEC Central Data Repository.

How often does Central National Bank file a call report?

Every quarter, as of March 31, June 30, September 30 and December 31. The report is due 30 calendar days after the quarter ends, or 35 days for a bank with more than one foreign office.

Central National Bank financial reports and ratios →

New to call reports? What a call report is, every call report code explained, and how the UBPR turns it into ratios.