Central National Bank
Waco, TX
IDRSSD: 428060
Total Assets
$1.50B
Latest filing
Total Deposits
$1.34B
Latest filing
Net Interest Margin
3.86%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
111907199WACO, TX
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Central National Bank
8320 W Highway 84
Waco, TX 76712
Full Service - Brick and Mortar
Updated 01/30/2026Established 01/10/1977FDIC Certificate 15597
Branches (3)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Central National Bank (Main) | 8320 W Highway 84 | Waco, TX |
| CENTRAL TOWER BRANCH | 5400 Bosque Blvd | Waco, TX |
| TEMPLE BRANCH | 938 Canyon Creek Dr | Temple, TX |
| AUSTIN BRANCH | 835 W 6th St | Austin, TX |
Showing 3 of 3
Quarterly Trends
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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, national (federal) charter, Fed member, and supervised by the OCC |
| Primary Regulator | OCC |
| Established Date | 01/10/1977 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 76712 |
| State and County Number | 48309 |
| Subchapter S Corporations | Yes |
| Trust Powers | N/A |
| Federal Reserve ID Number | 11 |
| Numeric code | 3 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Dallas |
| Core Based Statistical Area Name | Waco, TX |
Operational Info
| Number of Employees | 104 |
| 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 | 01/10/1977 |
| Primary Insurance Agency | DIF |
| Website | www.cnbwaco.com |
| Data Updated | 01/30/2026 |
| CERT | 22396 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $1.50B |
| Total Deposits | $1.34B |
| Total Liabilities | $1.37B |
| Total Equity Capital | $129.37M |
| Net Income | $7.97M |
| Net Loans and Leases | $1.13B |
| Assets Per Employee ($Millions) | $15.03M |
| Bank Premises and Fixed Assets | $13.16M |
| Cash and Balances due from Depository Institutions | $239.32M |
| Deposits Held in Domestic Offices | $1.34B |
Key Performance Ratios
| Return on Assets (ROA) | 2.21% |
| Return on Equity (ROE) | 25% |
| Net Interest Margin | 3.86% |
| Efficiency Ratio | 42.47% |
| Tier 1 Risk-Based Capital Ratio | 12.523% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.07% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 8.608% |
| Earning Assets to total Assets | 97.85% |
Income and Expense
| Total Interest Income | $20.61M |
| Total Noninterest Income | $647.00k |
| Total Interest Expense | $6.98M |
| Total Noninterest Expense | $6.06M |
| Net Interest Income | $13.63M |
| Pre-tax Net Operating Income | $7.96M |
| Provision for Credit Losses | $256.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $15.11M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $14.27M |
| Total Liabilities and Capital | $1.50B |
Securities
| Securities | $111.29M |
| Available-for-sale debt securities | $110.50M |
| 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 National Bank?
$1.50B as of the latest filing.
How much are Central National Bank's total deposits?
$1.34B in total deposits.
Where is Central National Bank located?
Waco, TX.
What is the Net Interest Margin?
3.86%.
How many domestic offices does it operate?
4.
When was it established?
01/10/1977.
What is the Return on Assets (ROA)?
2.21%.
How much are total loans and leases?
$1.13B (latest filing).
What is the total interest income (latest filing)?
$20.61M.