Central National Bank
Waco, TX
IDRSSD: 428060
Total Assets
$1.39B
Latest filing
Total Deposits
$1.23B
Latest filing
Net Interest Margin
4.00%
Profitability
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 11/14/2025Established 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 | 102 |
| 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 | 11/14/2025 |
| CERT | 22396 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $1.39B |
| Total Deposits | $1.23B |
| Total Liabilities | $1.26B |
| Total Equity Capital | $125.62M |
| Net Income | $7.22M |
| Net Loans and Leases | $1.12B |
| Assets Per Employee ($Millions) | $13.33M |
| Bank Premises and Fixed Assets | $12.04M |
| Cash and Balances due from Depository Institutions | $137.42M |
| Deposits Held in Domestic Offices | $1.23B |
Key Performance Ratios
| Return on Assets (ROA) | 2.16% |
| Return on Equity (ROE) | 23.49% |
| Net Interest Margin | 4% |
| Efficiency Ratio | 44.2% |
| Tier 1 Risk-Based Capital Ratio | 12.667% |
| 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 | 9.061% |
| Earning Assets to total Assets | 97.77% |
Income and Expense
| Total Interest Income | $20.10M |
| Total Noninterest Income | $602.00k |
| Total Interest Expense | $7.04M |
| Total Noninterest Expense | $6.04M |
| Net Interest Income | $13.06M |
| Pre-tax Net Operating Income | $7.20M |
| Provision for Credit Losses | $424.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $241.00k |
| Other borrowed funds | $15.46M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $12.79M |
| Total Liabilities and Capital | $1.39B |
Securities
| Securities | $114.50M |
| Available-for-sale debt securities | $113.73M |
| 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 National Bank?
$1.39B as of the latest filing.
How much are Central National Bank's total deposits?
$1.23B in total deposits.
Where is Central National Bank located?
Waco, TX.
What is the Net Interest Margin?
4.00%.
How many domestic offices does it operate?
4.
When was it established?
01/10/1977.
What is the Return on Assets (ROA)?
2.16%.
How much are total loans and leases?
$1.12B (latest filing).
What is the total interest income (latest filing)?
$20.10M.