Waco, TX · Cert 22396 · Centrabanc Corp.
National charter · OCC · 5 branches
Q2 2026
Market Position · Waco, TX · 2026 SOD (annual) · 8.3% share · #4 of 28 inst. · $0.7B of $8.9B
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 | 1.40% | 1.45% | 1.58% | 1.59% | 1.61% | 1.65% | 1.57% | 1.58% | 0 bps | |
| Return on Equity | 15.97% | 16.54% | 17.63% | 17.44% | 17.76% | 18.34% | 17.76% | 17.74% | +30 bps | |
| Net Interest Margin | 3.31% | 3.31% | 3.73% | 3.74% | 3.68% | 3.64% | 3.77% | 3.80% | +6 bps | |
| Efficiency Ratio | 48.97% | 47.97% | 46.21% | 45.42% | 44.99% | 44.32% | 45.90% | 45.35% | -7 bps | |
| Non-Interest Burden | 1.53% | 1.50% | 1.63% | 1.60% | 1.56% | 1.51% | 1.63% | 1.61% | +2 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.99% | 8.99% | 5.79% | 7.61% | 5.73% | 16.20% | 13.43% | 14.56% | +695 bps | |
| Loan Growth (YoY) | 3.51% | 5.43% | 5.52% | 9.68% | 12.31% | 10.91% | 11.57% | 10.32% | +64 bps | |
| Deposit Growth (YoY) | 8.85% | 9.83% | 6.21% | 8.43% | 5.33% | 16.51% | 13.71% | 15.15% | +672 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.01% | 0.05% | 0.06% | 0.03% | 0.01% | 0.00% | 0.07% | 0.11% | +8 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.01% | 0.01% | 0.00% | 0.01% | 0.01% | 0.05% | 0.03% | +3 bps | |
| Allowance / Loans | 1.20% | 1.20% | 1.20% | 1.20% | 1.20% | 1.20% | 1.20% | 1.20% | 0 bps | |
| Allowance Coverage of NPLs | 105.9x | 26.3x | 20.7x | 45.1x | 229.7x | 254.8x | 16.7x | 10.9x | -34.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.98% | 9.89% | 10.31% | 10.24% | 10.06% | 9.92% | 9.76% | 9.94% | -30 bps | |
| Total Risk-Based Capital | 14.49% | 14.31% | 14.32% | 13.95% | 13.92% | 13.77% | 13.56% | 13.80% | -16 bps | |
| Equity / Assets | 8.71% | 8.72% | 9.22% | 9.34% | 9.06% | 8.61% | 9.07% | 9.07% | -27 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 85.93% | 89.58% | 92.27% | 96.10% | 91.63% | 85.27% | 90.53% | 92.07% | -403 bps | |
| Liquid Assets / Assets | 13.14% | 9.46% | 7.17% | 4.27% | 9.03% | 15.09% | 10.19% | 7.22% | +294 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 367% | 383% | 385% | n/a | n/a | |