Houston, TX · Cert 17612 · Central Bancshares Inc.
State charter, Fed member · FED · 4 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks $1B-$10B in assets operating in a single state (n=257 to 258). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
41
Asset Quality
65
Profitability
80
Liquidity
99
Efficiency
42
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Houston, TX · Cert 17612 · Central Bancshares Inc.
State charter, Fed member · FED · 4 branches
Q2 2026
Market Position · Houston-Pasadena-The Woodlands, TX · 2026 SOD (annual) · 0.4% share · #24 of 107 inst. · $1.3B of $360.4B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.47% | 1.49% | 1.49% | 1.47% | 1.53% | 1.54% | 1.45% | 1.47% | 0 bps | |
| Return on Equity | 16.09% | 16.40% | 16.54% | 16.19% | 16.65% | 16.63% | 15.47% | 15.91% | -28 bps | |
| Net Interest Margin | 4.88% | 4.82% | 4.75% | 4.78% | 4.79% | 4.73% | 4.45% | 4.50% | -28 bps | |
| Efficiency Ratio | 65.90% | 65.11% | 63.11% | 62.96% | 61.59% | 61.46% | 63.19% | 62.18% | -78 bps | |
| Non-Interest Burden | 3.04% | 2.96% | 2.82% | 2.84% | 2.77% | 2.70% | 2.54% | 2.55% | -28 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.55% | 8.97% | 11.93% | 15.85% | 9.44% | 9.13% | 10.72% | 12.85% | -300 bps | |
| Loan Growth (YoY) | 7.64% | 9.32% | 10.45% | 16.31% | 7.09% | 6.13% | 7.60% | 12.07% | -424 bps | |
| Deposit Growth (YoY) | 5.98% | 8.76% | 11.98% | 16.44% | 9.62% | 8.68% | 10.75% | 13.00% | -343 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.17% | 0.09% | 0.05% | 0.10% | 0.07% | 0.06% | 0.04% | 0.54% | +44 bps | |
| Net Charge-Offs / Loans | -0.02% | 0.02% | 0.00% | 0.00% | 0.07% | 0.04% | 0.00% | -0.01% | 0 bps | |
| Allowance / Loans | 1.06% | 0.99% | 0.99% | 1.00% | 1.00% | 0.99% | 0.99% | 0.95% | -5 bps | |
| Allowance Coverage of NPLs | 6.2x | 11.3x | 21.0x | 9.7x | 15.3x | 17.7x | 27.1x | 1.8x | -7.9x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.33% | 10.28% | 10.10% | 10.17% | 10.18% | 10.37% | 10.08% | 10.07% | -10 bps | |
| Total Risk-Based Capital | 14.03% | 14.04% | 14.17% | 13.99% | 14.10% | 14.43% | 14.39% | 13.98% | -1 bps | |
| Equity / Assets | 9.39% | 8.85% | 9.21% | 9.12% | 9.56% | 9.39% | 9.31% | 9.06% | -6 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 88.67% | 88.35% | 87.35% | 87.15% | 86.63% | 86.27% | 84.86% | 86.43% | -72 bps | |
| Liquid Assets / Assets | 2.78% | 3.61% | 2.62% | 3.52% | 3.41% | 4.70% | 4.55% | 3.65% | +13 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 339% | 329% | 337% | n/a | n/a | |
Houston, TX · Cert 17612 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258) · Central Bancshares Inc.
State charter, Fed member · FED · 4 branches
Q2 2026
Return on Assets
1.41%
Rank 80 of 258
Net Interest Margin
4.50%
Rank 20 of 258
Efficiency Ratio
62.18%
Rank 149 of 257
Equity / Assets
9.06%
Rank 196 of 258
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.41% | 0.93% | 1.23% | 1.54% | Beats 69% | 80 / 258 | ||
| Return on Equity | 15.61% | 9.26% | 11.84% | 14.74% | Beats 79% | 53 / 258 | ||
| Net Interest Margin | 4.50% | 3.16% | 3.49% | 3.88% | Beats 92% | 20 / 258 | ||
| Efficiency Ratio | 62.18% | 51.71% | 60.30% | 69.65% | Beats 42% | 149 / 257 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.54% | 0.19% | 0.46% | 0.90% | Beats 41% | 153 / 258 | ||
| Net Charge-Offs / Loans | 0.00% | 0.01% | 0.02% | 0.07% | Beats 89% | 29 / 258 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.93% | 11.41% | 12.98% | 15.12% | Beats 49% | 132 / 258 | ||
| Total Risk-Based Capital Ratio | 13.98% | 12.10% | 13.91% | 16.08% | Beats 51% | 127 / 258 | ||
| Equity / Assets | 9.06% | 9.09% | 10.24% | 11.72% | Beats 24% | 196 / 258 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 86.43% | 73.24% | 86.34% | 95.95% | 51st pctl | 127 / 258 | ||
| Loans / Assets | 77.78% | 63.01% | 72.27% | 78.40% | 71st pctl | 76 / 258 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||