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 Central National Bank
Central National Bank
| RSSD ID 428060 | CERTIFICATE 22396 | ABA NUMBER 111907199 |
| 8320 W Highway 84 |
Quarter Ended : |
2025-12-31 |
| Waco, Texas, 76712 |
Updated : |
2026-01-27 |
| www.cnbwaco.com |
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| Institution Profile |
| Year Opened : |
1977 |
Institution Type : |
Commercial bank |
| Entity Type : |
Federal |
Federal Regulator : |
OCC |
| Member Federal Reserve : |
Yes |
S-Corp : |
Yes |
| Fiduciary Powers : |
No |
Powers Exercised : |
No |
| Filing Type : |
051 |
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| Specialization : |
Commercial Lending Specialization |
| Number of Offices : |
4 |
Number of Employees : |
100 |
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| Financial Fast Facts |
Balance Sheet
(USD, in thousands) |
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Income Statement
(USD, in thousands, ytd) |
| Total Assets | 1,502,874 |
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Total Interest Income | 77,945 |
| Total Liabilities | 1,373,502 |
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Total NonInterest Income | 2,458 |
| Total Bank Equity Capital | 129,372 |
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Total Interest Expense | 26,992 |
| Total Deposits | 1,344,128 |
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Total NonInterest Expense | 23,671 |
| Net Loans & Leases | 1,132,029 |
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Net Income | 28,146 |
| Loan Loss Allowance | 13,758 |
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Net Charge Offs | 136 |
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| Regulatory Capital |
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Quarterly Averages
(USD, in thousands) |
| Total capital | 152,876 |
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Total loans | 1,136,827 |
| Total assets for the leverage ratio | 1,401,731 |
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Loans secured by real estate: | 980,526 |
| Tier 1 Leverage Ratio | 9.92 |
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Commercial and industrial loans | 141,861 |
| Tier 1 Capital Ratio | 12.52 |
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Loans to individuals - Credit Cards | 0 |
| Total Capital Ratio | 13.77 |
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Loans to individuals - Other | 7,425 |
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:· Central National Bank
