C
Central National Bank
WacoTX
Rating Date
October 2025
Risk Based
Capital Ratio
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
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Net
Income
Weiss Ratings Central National Bank
Waco, TX
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Rating C
Asset Quality Index 8.70
Capitalization Index 8.60
Liquidity Index 1.50
Profitability Index 8.50
Stability Index 5.00
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 5.73%
5-Year Asset Growth 7.56%
5-Year Charge-Offs to Average Loans 0.01%
Charge-Offs to Average Loans 0.01%
Non-Performing Assets to Assets 0.02%
Non-Performing Loans to Capital 0.04%
Non-Performing Loans to Loans 0.01%
Balance Sheet Central National Bank
Waco, TX
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Total Assets 1.39B
Total Deposits 1.23B
Capital and Reserves Central National Bank
Waco, TX
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Capital 125.62M
Leverage Ratio 10.06
Loan Loss Reserves to Loans 1.20%
Risk-Based Capital Ratio 13.92
Liquidity Central National Bank
Waco, TX
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Hot Money Ratio 18.19%
Liquidity Ratio 19.98%
Profitability Central National Bank
Waco, TX
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5-Year Return on Average Assets 1.80%
Net Income 20.18M
Net Interest Spread 3.87%
Operating Profit to Average Assets 2.06%
Overhead Efficiency Ratio 44.99%
Return on Assets 2.06%
Return on Equity 22.61%