Central Bank
Houston, TX
IDRSSD: 31255
Total Assets
$1.25B
Latest filing
Total Deposits
$1.12B
Latest filing
Net Interest Margin
5.11%
Profitability
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 11/14/2025Established 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
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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 | 160 |
| 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 | 11/14/2025 |
| CERT | 17612 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $1.25B |
| Total Deposits | $1.12B |
| Total Liabilities | $1.13B |
| Total Equity Capital | $119.59M |
| Net Income | $6.55M |
| Net Loans and Leases | $957.99M |
| Assets Per Employee ($Millions) | $7.91M |
| Bank Premises and Fixed Assets | $6.14M |
| Cash and Balances due from Depository Institutions | $49.68M |
| Deposits Held in Domestic Offices | $1.12B |
Key Performance Ratios
| Return on Assets (ROA) | 2.09% |
| Return on Equity (ROE) | 22.4% |
| Net Interest Margin | 5.11% |
| Efficiency Ratio | 59.06% |
| Tier 1 Risk-Based Capital Ratio | 13.033% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.13% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 9.564% |
| Earning Assets to total Assets | 96.15% |
Income and Expense
| Total Interest Income | $20.89M |
| Total Noninterest Income | $1.64M |
| Total Interest Expense | $5.51M |
| Total Noninterest Expense | $10.04M |
| Net Interest Income | $15.37M |
| Pre-tax Net Operating Income | $6.55M |
| Provision for Credit Losses | $410.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| 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 | $13.69M |
| Total Liabilities and Capital | $1.25B |
Securities
| Securities | $201.65M |
| Available-for-sale debt securities | $201.65M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| 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?
$1.25B as of the latest filing.
How much are Central Bank's total deposits?
$1.12B in total deposits.
Where is Central Bank located?
Houston, TX.
What is the Net Interest Margin?
5.11%.
How many domestic offices does it operate?
4.
When was it established?
05/31/1956.
What is the Return on Assets (ROA)?
2.09%.
How much are total loans and leases?
$957.99M (latest filing).
What is the total interest income (latest filing)?
$20.89M.