Central National Bank
Waco, Texas · FDIC Cert #22396
Central National Bank is an FDIC-insured bank (Certificate #22396) with $1.2B in total assets and $1.1B in total deposits as of the Q2 2024 Call Report. Headquartered in Waco, Texas, the bank maintains a Tier 1 capital ratio of 13.18% (Well-Capitalized) and a nonperforming loan ratio of 0.10%. BankHealthData assigns a composite Health Grade of B (79/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Central National Bank (FDIC cert 22396) is a mid-sized bank with $1.2B in total assets and $1.1B in deposits, based in Waco, Texas. Mid-sized banks typically operate regionally with a mix of commercial and consumer lending.
Capital position is strong: Tier 1 capital ratio of 13.18% sits comfortably above the 8% well-capitalized regulatory threshold and the 10% well-capitalized-plus floor for community banks. Strong capital is the first line of defense against unexpected loan losses. Asset quality is clean: non-performing loan ratio of 0.10% is below 0.5% — well within the healthy range for U.S. community and regional banks. Clean NPL ratios reflect either disciplined underwriting, a low-credit-risk loan mix, or both. Liquidity is in the normal range: 15.9% liquid assets relative to total assets — adequate for standard operating needs and routine deposit outflows.
Profitability is strong: return on assets of 1.73% is well above the 1.0% benchmark most analysts use as the threshold for a healthy bank. Strong ROA usually reflects disciplined cost management, healthy net interest margins, or both. Health-score trend is declining materially over the most recent quarters. Declining trends warrant attention — banks in this pattern often face follow-on regulatory engagement and elevated supervisory scrutiny. Central National Bank carries a composite BankHealth grade of B (79/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Central National Bank
- Total Assets
- $1.2B
- Total Deposits
- $1.1B
- Tier 1 Capital Ratio
- 13.18%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 0.10%
- Liquidity Ratio
- 15.91%
- Return on Assets
- 1.73%
- Headquarters
- Waco, Texas
- FDIC Certificate
- #22396
- Health Grade
- B (79/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Central National Bank holds a Tier 1 capital ratio of 13.18%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Central National Bank has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Central National Bank shows strong financial health indicators. With $1.2B in assets and a Health Score of 79/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Central National Bank Compares
Central National Bank’s Health Score of 79 is 5 points above the Texas state average of 74 across 321 FDIC-insured banks. Its 13.18% Tier 1 capital ratio is 0.8 points below the US banking industry average near 14%. The 0.10% nonperforming loan ratio is lower than the industry norm (~0.8%), indicating cleaner loan quality than peers. Return on assets of 1.73% is in line with or above the national ROA benchmark of ~1.1%. Among 912 similarly-sized banks, the average Health Score is 71, meaning this bank ranks above its size cohort. Site-wide, Central National Bank is 9 points above the portfolio average of 70.
Frequently Asked Questions
Central National Bank has a Bank Health Score of B (79/100), placing it in solid financial health. It holds a Tier 1 capital ratio of 13.18%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Central National Bank's Tier 1 capital ratio of 13.18% and nonperforming loan ratio of 0.10% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Central National Bank is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #22396). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Central National Bank holds $1.2B in total assets and $1.1B in total deposits. It is headquartered in Waco, Texas (FDIC Certificate #22396).
Central National Bank has a Tier 1 capital ratio of 13.18%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 0.10%, and the return on assets is 1.73%.
Yes. Central National Bank is FDIC-insured (Certificate #22396). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An B grade on our Bank Health Score means 70-84/100 — solid financial position with no major stress signals. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Central National Bank's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.