Central National Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Central National Bank of Waco, TX against its peer group of 931 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 2.07% | 1.46% | +0.61% | 89th top |
| ROAE | 22.63% | 12.71% | +9.92% | 93rd top |
| Net Interest Margin | 3.91% | 3.85% | +0.06% | 63rd above |
| Efficiency Ratio | 44.73% | 57.41% | -12.68% | 87th top |
| PPNR / Avg Assets | 2.24% | 1.88% | +0.36% | 80th top |
| Yield on Earning Assets | 5.88% | 5.72% | +0.16% | 70th above |
| Cost of Funds | 2.17% | 2.02% | +0.15% | 39th below |
| Net Interest Spread | 3.36% | 3.18% | +0.18% | 69th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.01% | 1.00% | -0.99% | 96th top |
| NPA / Total Assets | 0.01% | 0.76% | -0.75% | 96th top |
| NCO / Avg Loans | 0.02% | 0.43% | -0.41% | 55th above |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.20% | 1.31% | -0.11% | 59th above |
| ACL / NPLs (Coverage) | 14400.00% | 535.26% | +13864.74% | — |
| Texas Ratio | 0.97% | 7.39% | -6.42% | 88th top |
| Provision / NCO Behind the peer average, ahead of the median peer. | 501.02% | 618.68% | -117.66% | 76th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 12.55% | 17.34% | -4.79% | 34th below |
| Tier 1 Ratio | 12.55% | 17.37% | -4.82% | 33rd below |
| Total Capital Ratio | 13.80% | 18.42% | -4.62% | 37th below |
| Leverage Ratio | 9.94% | 11.44% | -1.50% | 35th below |
| Equity / Assets | 9.07% | 11.34% | -2.27% | 22nd bottom |
| TCE / Tangible Assets | 9.07% | 10.50% | -1.43% | 34th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 92.07% | 86.95% | +5.12% | 38th below |
| Core Deposit Ratio | 78.84% | 85.56% | -6.72% | 18th bottom |
| Uninsured Deposit Ratio | 43.57% | 33.12% | +10.45% | 19th bottom |
| Wholesale Funding Ratio | 0.98% | 5.71% | -4.73% | 81st top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 14.56% | 9.68% | +4.88% | 86th top |
| Loan Growth (Y/Y) | 10.32% | 8.05% | +2.27% | 74th above |
| Deposit Growth (Y/Y) | 15.15% | 7.87% | +7.28% | 86th top |
See Central National Bank's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Central National Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Central National Bank profile, how to read a UBPR, or how this data updates.