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Central National Bank
Waco, TX · FDIC Certificate #22396 · Chartered 01/1
Total assets
$1.47B
Total deposits
$1.31B
Total equity
$133.67M
Net loans
$1.19B
Branches (offices)
5
Net income (YTD)
$14.85M
Rank: #751 of 4,213 U.S. banks by assets · #64 of 346 in Texas. Assets changed 14.6% and deposits 15.1% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 2.01% |
| Return on equity | 22.60% |
| Net interest margin (YTD) | 3.82% |
| Equity to assets | 9.07% |
| Tier 1 leverage ratio | 9.94% |
| Uninsured deposits (share of deposits) | 43.6% |
| Noncurrent loans (share of loans) | 0.11% |
| Net charge-offs (share of loans) | 0.03% |
| Loans to deposits | 91.0% |
| Real estate loans (share of loans) | 86.3% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $1.03B | 86.3% | |
| Commercial & industrial | $157.34M | 13.2% | |
| Consumer / individual | $8.34M | 0.7% | |
| Construction & development | $172.28M | 14.4% | |
| Agricultural | $387.00K | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $1.25B | $1.06B | $9.70M | $90.23M |
| Jun 2023 | $1.17B | $1.03B | $11.72M | $98.91M |
| Jun 2024 | $1.20B | $1.05B | $10.37M | $107.69M |
| Jun 2025 | $1.29B | $1.14B | $12.96M | $120.15M |
| Jun 2026 | $1.47B | $1.31B | $14.85M | $133.67M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Texas | $1.31B | 5 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $1.31B.
Similar-sized banks
Sovereign Bank ($1.47B) · North American Banking Company ($1.47B)
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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