Central National Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 1.55 percentage points higher than in Q1 2026, at 92.07%. Within Texas, Central National Bank is 58th of 345 on return on assets, 2.07% as of Q2 2026, above the middle of the field. Against a median of 1.28% for banks in the $1B-10B asset tier, Central National Bank reported 2.07% on return on assets in Q2 2026, 0.79 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 12.55% |
| Tier 1 risk-based capital ratio | 12.55% |
| Total risk-based capital ratio | 13.80% |
| Tier 1 leverage ratio | 9.94% |
| Equity capital to assets | 9.07% |
| Tangible equity to tangible assets | 9.07% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.01% |
| Non-performing assets ratio | 0.01% |
| Net charge-off ratio | 0.02% |
| Texas ratio | 0.97% |
| Allowance for credit losses to loans | 1.20% |
| Reserve coverage of non-performing loans | 14400.00% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.07% |
| Return on equity | 22.63% |
| Net interest margin | 3.91% |
| Efficiency ratio | 44.73% |
| Yield on earning assets | 5.88% |
| Cost of funds | 2.17% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 92.07% |
| Core deposits to total deposits | 78.84% |
| Brokered deposits to total deposits | 6.48% |
| Deposits to assets | 89.12% |
| Securities to assets | 9.11% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 12.45% | 12.45% | 13.70% | 10.00% | 1.60% |
| Q4 2023 | 12.77% | 12.77% | 14.02% | 9.98% | 1.70% |
| Q1 2024 | 12.89% | 12.89% | 14.14% | 10.05% | 1.64% |
| Q2 2024 | 13.18% | 13.18% | 14.43% | 10.19% | 1.80% |
| Q3 2024 | 13.24% | 13.24% | 14.49% | 9.98% | 1.91% |
| Q4 2024 | 13.05% | 13.05% | 14.31% | 9.89% | 1.97% |
| Q1 2025 | 13.07% | 13.07% | 14.32% | 10.31% | 2.04% |
| Q2 2025 | 12.70% | 12.70% | 13.95% | 10.24% | 2.01% |
| Q3 2025 | 12.67% | 12.67% | 13.92% | 10.06% | 2.14% |
| Q4 2025 | 12.52% | 12.52% | 13.77% | 9.92% | 2.27% |
| Q1 2026 | 12.31% | 12.31% | 13.56% | 9.76% | 2.04% |
| Q2 2026 | 12.55% | 12.55% | 13.80% | 9.94% | 2.07% |
Central National Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Central National Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Central National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 22396) · FFIEC NIC profile (RSSD 428060)