PackageTrendsPeer
Letter portraitLegal landscape

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

$2.9M$26.3MINCOMEEXPENSE
Unfavorable gap of $23.4M · efficiency ratio beats 90% of banks $1B-$10B in assets operating in a single state
Bank 45.35%Peer median 60.3%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.58%0.93%1.23%1.54%Beats 77%60 / 258
Return on Equity17.44%9.26%11.84%14.74%Beats 90%27 / 258
Net Interest Margin3.80%3.16%3.49%3.88%Beats 70%77 / 258
Efficiency Ratio45.35%51.71%60.30%69.65%Beats 90%27 / 257
Asset Quality
Nonperforming Loans / Loans0.11%0.19%0.46%0.90%Beats 85%39 / 258
Net Charge-Offs / Loans0.02%0.01%0.02%0.07%Beats 54%120 / 258
Capital
Tier 1 Capital Ratio12.55%11.41%12.98%15.12%Beats 41%151 / 258
Total Risk-Based Capital Ratio13.80%12.10%13.91%16.08%Beats 49%132 / 258
Equity / Assets9.07%9.09%10.24%11.72%Beats 24%195 / 258
Liquidity & Funding
Loans / Deposits92.07%73.24%86.34%95.95%67th pctl86 / 258
Loans / Assets82.05%63.01%72.27%78.40%87th pctl33 / 258
Brokered Deposits / Depositsn/aNot reported for this institution