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	10/31/2025
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	$0
Net Income	$7.22M
Net Loans and Leases	$1.12B
Assets Per Employee ($Millions)	$0M
Bank Premises and Fixed Assets	$0
Cash and Balances due from Depository Institutions	$0
Deposits Held in Domestic Offices	$0

Key Performance Ratios

Return on Assets (ROA)	0%
Return on Equity (ROE)	0%
Net Interest Margin	0%
Efficiency Ratio	0%
Tier 1 Risk-Based Capital Ratio	0%
Net Loans and Leases to Core Deposits	0%
Credit Loss Provision to Assets	0%
Cash Dividends to Net Income (YTD Only)	0%
Equity Capital to Assets	0%
Earning Assets to total Assets	0%

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	$0
Provision for Credit Losses	$0
Discontinued Operations (Extraordinary Gains - Net)	$0

Additional Financial Info

Goodwill and Other Intangibles	$0
All Other Assets	$0
Other Real Estate Owned	$0
Other borrowed funds	$0
Federal Funds Sold & Reverse Repurchase Agreement	$0
Federal Funds Purchased and Repurchased Agreement	$0
All Other Liabilities	$0
Total Liabilities and Capital	$0

Securities

Securities	$0
Available-for-sale debt securities	$0
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

About Central National Bank

Explore the latest call report data for Central National Bank. Review total assets, deposits, income and expense breakdowns, and trends over time. Compare with similar institutions in the same city, state, and asset tier.

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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?

Not available.

Is this bank FDIC insured?

Institutions that are currently open and insured by the FDIC.

How many domestic offices does it operate?

When was it established?

01/10/1977.

Who is the primary regulator?

OCC.