C
Central National Bank
WacoTX
Rating Date
March 2026
Risk Based
Capital Ratio
Leverage
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Assets
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Assets
Capital
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Income
Weiss Ratings Central National Bank
Waco, TX
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Rating C
Asset Quality Index 8.80
Capitalization Index 8.40
Liquidity Index 2.10
Profitability Index 8.60
Stability Index 5.70
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 16.20%
5-Year Asset Growth 6.60%
5-Year Charge-Offs to Average Loans 0.01%
Charge-Offs to Average Loans 0.01%
Non-Performing Assets to Assets 0.00%
Non-Performing Loans to Capital 0.04%
Non-Performing Loans to Loans 0.00%
Balance Sheet Central National Bank
Waco, TX
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Total Assets 1.50B
Total Deposits 1.34B
Capital and Reserves Central National Bank
Waco, TX
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Capital 129.37M
Leverage Ratio 9.92
Loan Loss Reserves to Loans 1.20%
Risk-Based Capital Ratio 13.77
Liquidity Central National Bank
Waco, TX
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Hot Money Ratio 18.68%
Liquidity Ratio 25.23%
Profitability Central National Bank
Waco, TX
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5-Year Return on Average Assets 1.80%
Net Income 28.15M
Net Interest Spread 3.89%
Operating Profit to Average Assets 2.12%
Overhead Efficiency Ratio 44.32%
Return on Assets 2.12%
Return on Equity 23.24%