Central National Bank

BankWaco, Texas
www.cnbwaco.com

Total Assets

$1.5B

Total Deposits

$1.3B

Branches

4

Established

1977

TFS Health Grade

$
B-

81.0 / 100

Good financial health

How we grade

Central National Bank is a bank headquartered in Waco, Texas, established in 1977. With $1.5B in total assets and 4 branch locations, it has a TFS Financial Health Grade of B- (81.0/100).

Capital & Safety

Tier 1 Capital Ratio
9.92%(8%)
Total Capital Ratio
13.77%(10%)
Non-Performing Loan Ratio
0.00%

Profitability

Return on Assets (ROA)
2.09%(1%)
Return on Equity (ROE)
23.24%(10%)
Net Interest Margin
3.87%
Efficiency Ratio
44.32%(60%)

Lending & Liquidity

Total Loans
$1.1B
Loan-to-Deposit Ratio
84.25%
Net Charge-Off Ratio
0.01%

Growth

Asset Growth (YoY)
+16.20%
Deposit Growth (YoY)
+16.51%
Net Income
$28.1M

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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