C
Central National Bank
Waco,  TX
Rating Date
August 2026
Risk Based
Capital Ratio
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings Central National Bank
Waco, TX
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Rating C
Asset Quality Index 8.70
Capitalization Index 8.40
Liquidity Index 1.00
Profitability Index 8.60
Stability Index 4.30
Company Info Central National Bank
Waco, TX
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FDIC Number 22396
Phone Number (254) 776-3800
Website www.cnbwaco.com
Asset Quality Central National Bank
Waco, TX
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1-Year Asset Growth 14.56%
5-Year Asset Growth 6.60%
5-Year Charge-Offs to Average Loans 0.01%
Charge-Offs to Average Loans 0.03%
Non-Performing Assets to Assets 0.01%
Non-Performing Loans to Capital 0.88%
Non-Performing Loans to Loans 0.01%
Balance Sheet Central National Bank
Waco, TX
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Total Assets 1.47B
Total Deposits 1.31B
Capital and Reserves Central National Bank
Waco, TX
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Capital 133.67M
Leverage Ratio 9.94
Loan Loss Reserves to Loans 1.20%
Risk-Based Capital Ratio 13.80
Liquidity Central National Bank
Waco, TX
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Hot Money Ratio 19.73%
Liquidity Ratio 18.94%
Profitability Central National Bank
Waco, TX
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5-Year Return on Average Assets 1.85%
Net Income 14.85M
Net Interest Spread 3.87%
Operating Profit to Average Assets 2.05%
Overhead Efficiency Ratio 45.35%
Return on Assets 2.05%
Return on Equity 22.61%