Central National Bank
Waco, TX · Cert 22396 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258) · Centrabanc Corp.
National charter · OCC · 5 branches
Q2 2026
$1.5BAssets
$1.2BLoans
$1.3BDeposits
$133.7MEquity
Executive Summary
- Strongest standing: return on equity outperforms 90% of banks $1B-$10B in assets operating in a single state (rank 27 of 258).
- Widest gap: equity / assets trails 76% of banks $1B-$10B in assets operating in a single state (rank 195 of 258).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
1.58%
Rank 60 of 258
Net Interest Margin
3.80%
Rank 77 of 258
Efficiency Ratio
45.35%
Rank 27 of 257
Equity / Assets
9.07%
Rank 195 of 258
Non-interest income vs. expense
Unfavorable gap of $23.4M · efficiency ratio beats 90% of banks $1B-$10B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.58% | 0.93% | 1.23% | 1.54% | Beats 77% | 60 / 258 | |
| Return on Equity | 17.44% | 9.26% | 11.84% | 14.74% | Beats 90% | 27 / 258 | |
| Net Interest Margin | 3.80% | 3.16% | 3.49% | 3.88% | Beats 70% | 77 / 258 | |
| Efficiency Ratio | 45.35% | 51.71% | 60.30% | 69.65% | Beats 90% | 27 / 257 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.11% | 0.19% | 0.46% | 0.90% | Beats 85% | 39 / 258 | |
| Net Charge-Offs / Loans | 0.02% | 0.01% | 0.02% | 0.07% | Beats 54% | 120 / 258 | |
| Capital |
| Tier 1 Capital Ratio | 12.55% | 11.41% | 12.98% | 15.12% | Beats 41% | 151 / 258 | |
| Total Risk-Based Capital Ratio | 13.80% | 12.10% | 13.91% | 16.08% | Beats 49% | 132 / 258 | |
| Equity / Assets | 9.07% | 9.09% | 10.24% | 11.72% | Beats 24% | 195 / 258 | |
| Liquidity & Funding |
| Loans / Deposits | 92.07% | 73.24% | 86.34% | 95.95% | 67th pctl | 86 / 258 | |
| Loans / Assets | 82.05% | 63.01% | 72.27% | 78.40% | 87th pctl | 33 / 258 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |