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Central Bank
Houston, TX · FDIC Certificate #17612 · Chartered 05/3
Total assets
$1.42B
Total deposits
$1.27B
Total equity
$128.25M
Net loans
$1.09B
Branches (offices)
4
Net income (YTD)
$12.75M
Rank: #781 of 4,213 U.S. banks by assets · #67 of 346 in Texas. Assets changed 12.8% and deposits 13.0% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.87% |
| Return on equity | 20.26% |
| Net interest margin (YTD) | 4.64% |
| Equity to assets | 9.06% |
| Tier 1 leverage ratio | 10.07% |
| Uninsured deposits (share of deposits) | 41.6% |
| Noncurrent loans (share of loans) | 0.54% |
| Net charge-offs (share of loans) | -0.01% |
| Loans to deposits | 85.6% |
| Real estate loans (share of loans) | 69.4% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $756.67M | 69.4% | |
| Commercial & industrial | $159.65M | 14.6% | |
| Consumer / individual | $23.33M | 2.1% | |
| Construction & development | $130.87M | 12.0% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $954.14M | $867.22M | $6.70M | $76.56M |
| Jun 2023 | $1.04B | $944.76M | $11.77M | $87.45M |
| Jun 2024 | $1.08B | $968.53M | $10.09M | $100.52M |
| Jun 2025 | $1.25B | $1.13B | $11.44M | $114.45M |
| Jun 2026 | $1.42B | $1.27B | $12.75M | $128.25M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Texas | $1.27B | 4 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $1.27B.
Similar-sized banks
The Bennington State Bank ($1.42B) · The Croghan Colonial Bank ($1.41B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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