Central Bank is a bank based in Houston, Texas, established in 1956, with $1.3 billion in total assets across 4 branches. By Trust Grade it ranks 214th of 349 banks we track in Texas. Its capital ratio of 9.3% trails most similarly sized banks (30th percentile), versus a Texas median of 10.9%. It was profitable over the most recent period, with a 1.84% return on assets. No consumer complaints against Central Bank appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Central Bank compares to Texas peers
How we graded Central Bank
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (9.3% capital ratio)
- Strongly profitable (ROA 1.84%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Central Bank over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (4)
- 11201 Clay Rd, Houston, TX 77041
- 2799 Katy Fwy, Houston, TX 77007
- 1550 W 18th St, Houston, TX 77008
- 4605 Post Oak Place Dr, Houston, TX 77027
Are deposits at Central Bank insured?
Yes. Central Bank is an FDIC-insured bank (FDIC certificate #17612). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Central Bank: frequently asked questions
Is Central Bank a good bank?
Central Bank earns a Bankzia Trust Grade of A (95/100, "Excellent"), based on a financial-strength score of 95/100 (it has no CFPB complaints on record). Strongly capitalized (9.3% capital ratio); Strongly profitable (ROA 1.84%).
Is Central Bank FDIC-insured?
Yes. Central Bank is a FDIC-insured bank (FDIC certificate #17612). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is Central Bank?
Central Bank holds $1.3 billion in total assets, ranking 214th of 349 banks we track in Texas. It operates 4 branches.
Does Central Bank have CFPB complaints?
No CFPB complaints against Central Bank appear in our data over the analysis window, which is typical for a bank of this size.
Similar Banks
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
