Central Bank

BankHouston, Texas
www.centralbankhouston.com

Total Assets

$1.3B

Total Deposits

$1.2B

Branches

4

Established

1956

TFS Health Grade

$
B-

81.3 / 100

Good financial health

How we grade

Central Bank is a bank headquartered in Houston, Texas, established in 1956. With $1.3B in total assets and 4 branch locations, it has a TFS Financial Health Grade of B- (81.3/100).

Capital & Safety

Tier 1 Capital Ratio
10.37%(8%)
Total Capital Ratio
14.43%(10%)
Non-Performing Loan Ratio
0.06%

Profitability

Return on Assets (ROA)
1.95%(1%)
Return on Equity (ROE)
21.08%(10%)
Net Interest Margin
4.92%
Efficiency Ratio
61.46%(60%)

Lending & Liquidity

Total Loans
$1.0B
Loan-to-Deposit Ratio
85.42%
Net Charge-Off Ratio
0.04%

Growth

Asset Growth (YoY)
+9.13%
Deposit Growth (YoY)
+8.68%
Net Income
$24.3M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

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