Central National Bank: how it compares with its peers
Against 82 TX banks with half to twice its assets, Central National Bank's strongest measure in Q2 2026 is assets per employee ($13.8M vs. a $8.6M peer median). Its weakest relative measure is net interest margin (3.82% vs. 4.16%).
| Measure | Central National Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 2.01% | 1.54% | Top third Ahead of 78% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.82% | 4.16% | Middle third Ahead of 34% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 45.35% | 57.81% | Top third Ahead of 80% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $13.8M | $8.6M | Top third Ahead of 89% of peers |
| Loans to deposits Net loans and leases over total deposits. | 90.97% | 79.66% | Context |
What it means for lending operations
Its efficiency ratio of 45.35% is better than the 57.81% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Pegasus Bank Dallas, TX · $1.46B
- Rio Bank Mcallen, TX · $1.42B
- Central Bank Houston, TX · $1.42B
- The Moody National Bank Galveston, TX · $1.54B
- Southwestern National Bank Houston, TX · $1.39B
- Alliance Bank Sulphur Springs, TX · $1.39B
Questions about Central National Bank
How big is Central National Bank?
Central National Bank, established in 1977, is headquartered in Waco, TX. It reported $1.47B in total assets in its Q2 2026 FDIC call report and operates 5 offices.
What is Central National Bank's return on assets?
2.01% annualized in Q2 2026, against a 1.54% median for 82 TX banks with half to twice its assets, ahead of 78% of them.
What is Central National Bank's efficiency ratio?
45.35% in Q2 2026: it spent about 45 cents in noninterest expense for each dollar of revenue. The peer median is 57.81%, and lower is better.
Is Central National Bank growing its loans?
Net loans grew 10.3% over the year to Q2 2026, while deposits grew 15.1%.
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.