Central Bank
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
$1.4BAssets
$1.1BLoans
$1.3BDeposits
$128.3MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 92% of banks $1B-$10B in assets operating in a single state (rank 20 of 258).
- Widest gap: equity / assets trails 76% of banks $1B-$10B in assets operating in a single state (rank 196 of 258).
- Overall: at or above the peer median on 5 of 9 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $34.4M · efficiency ratio beats 42% of banks $1B-$10B in assets operating in a single state | 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 |