Central Bank
Houston, TX
IDRSSD: 31255
Total Assets
$1.32B
Latest filing
Total Deposits
$1.18B
Latest filing
Net Interest Margin
4.77%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
113001077HOUSTON, TX
Key People
Loading leadership data...
Locations
Main office and branches. Select to view on the map.
Main Office
Central Bank
11201 Clay Rd
Houston, TX 77041
Full Service - Brick and Mortar
Updated 01/30/2026Established 05/31/1956FDIC Certificate 11583
Branches (3)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Central Bank (Main) | 11201 Clay Rd | Houston, TX |
| LOWER HEIGHTS BRANCH | 2799 Katy Fwy | Houston, TX |
| HEIGHTS | 1550 W 18th St | Houston, TX |
| POST OAK PLACE BRANCH | 4605 Post Oak Place Dr | Houston, TX |
Showing 3 of 3
Quarterly Trends
Tooltip shows Quarter only. Download buttons export the chart only (CSV/PNG with white background).
Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
Similar banks
Southwestern National Bank
Houston, Texas
→
Assets: $1.28BΔ +2.7%
Bank of Houston
Houston, Texas
→
Assets: $771.39MΔ -38.3%
Texas Gulf Bank, National Association
Houston, Texas
→
Assets: $695.32MΔ -44.4%
Gulf Capital Bank
Houston, Texas
→
Assets: $581.15MΔ -53.5%
Global One Bank
Houston, Texas
→
Assets: $294.04MΔ -76.5%
Golden Bank, National Association
Houston, Texas
→
Assets: $2.23BΔ +78.0%
Institution Profile
| Institution Class | Commercial bank, state charter, Fed member, supervised by FRB |
| Primary Regulator | FED |
| Established Date | 05/31/1956 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 77041 |
| State and County Number | 48201 |
| Subchapter S Corporations | Yes |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 11 |
| Numeric code | 13 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Dallas |
| Core Based Statistical Area Name | Houston-The Woodlands-Sugar Land, TX |
Operational Info
| Number of Employees | 158 |
| Domestic Offices | 4 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 05/31/1956 |
| Primary Insurance Agency | DIF |
| Website | www.centralbankhouston.com |
| Data Updated | 01/30/2026 |
| CERT | 17612 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $1.32B |
| Total Deposits | $1.18B |
| Total Liabilities | $1.20B |
| Total Equity Capital | $123.86M |
| Net Income | $6.32M |
| Net Loans and Leases | $1.01B |
| Assets Per Employee ($Millions) | $8.14M |
| Bank Premises and Fixed Assets | $6.27M |
| Cash and Balances due from Depository Institutions | $68.99M |
| Deposits Held in Domestic Offices | $1.18B |
Key Performance Ratios
| Return on Assets (ROA) | 1.97% |
| Return on Equity (ROE) | 20.78% |
| Net Interest Margin | 4.77% |
| Efficiency Ratio | 61.08% |
| Tier 1 Risk-Based Capital Ratio | 13.336% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.08% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 9.391% |
| Earning Assets to total Assets | 96.3% |
Income and Expense
| Total Interest Income | $20.30M |
| Total Noninterest Income | $2.19M |
| Total Interest Expense | $5.54M |
| Total Noninterest Expense | $10.35M |
| Net Interest Income | $14.75M |
| Pre-tax Net Operating Income | $6.32M |
| Provision for Credit Losses | $270.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $1.90M |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $14.38M |
| Total Liabilities and Capital | $1.32B |
Securities
| Securities | $199.57M |
| Available-for-sale debt securities | $199.57M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Central Bank?
$1.32B as of the latest filing.
How much are Central Bank's total deposits?
$1.18B in total deposits.
Where is Central Bank located?
Houston, TX.
What is the Net Interest Margin?
4.77%.
How many domestic offices does it operate?
4.
When was it established?
05/31/1956.
What is the Return on Assets (ROA)?
1.97%.
How much are total loans and leases?
$1.01B (latest filing).
What is the total interest income (latest filing)?
$20.30M.