Central Bank: how it compares with its peers
Against 83 TX banks with half to twice its assets, Central Bank's strongest measure in Q2 2026 is return on assets (1.87% vs. a 1.50% peer median). Its weakest relative measure is efficiency ratio (62.18% vs. 57.92%).
| Measure | Central Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.87% | 1.50% | Top third Ahead of 75% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.64% | 4.15% | Top third Ahead of 73% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 62.18% | 57.92% | Middle third Ahead of 34% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $8.7M | $8.5M | Middle third Ahead of 54% of peers |
| Loans to deposits Net loans and leases over total deposits. | 85.61% | 79.67% | Context |
What it means for lending operations
Its efficiency ratio of 62.18% is above the 57.92% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Rio Bank Mcallen, TX · $1.42B
- Southwestern National Bank Houston, TX · $1.39B
- Alliance Bank Sulphur Springs, TX · $1.39B
- Wallis Bank Wallis, TX · $1.38B
- Texas Security Bank Dallas, TX · $1.38B
- The City National Bank of Sulphur Springs Sulphur Springs, TX · $1.37B
Questions about Central Bank
How big is Central Bank?
Central Bank, established in 1956, is headquartered in Houston, TX. It reported $1.42B in total assets in its Q2 2026 FDIC call report and operates 4 offices.
What is Central Bank's return on assets?
1.87% annualized in Q2 2026, against a 1.50% median for 83 TX banks with half to twice its assets, ahead of 75% of them.
What is Central Bank's efficiency ratio?
62.18% in Q2 2026: it spent about 62 cents in noninterest expense for each dollar of revenue. The peer median is 57.92%, and lower is better.
Is Central Bank growing its loans?
Net loans grew 12.1% over the year to Q2 2026, while deposits grew 13.0%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are TX banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Texas bank ranked.