Central National Bank is a bank based in Waco, Texas, established in 1977, with $1.4 billion in total assets across 5 branches. By Trust Grade it ranks 241st of 349 banks we track in Texas. Its capital ratio of 9.1% trails most similarly sized banks (24th percentile), versus a Texas median of 10.9%. It was profitable over the most recent period, with a 2.00% return on assets. No consumer complaints against Central National 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 National Bank compares to Texas peers
How we graded Central National Bank
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (9.1% capital ratio)
- Strongly profitable (ROA 2.00%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Central National Bank over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (5)
- 8320 W Highway 84, Waco, TX 76712
- 5400 Bosque Blvd, Waco, TX 76710
- 938 Canyon Creek Dr, Temple, TX 76502
- 835 W 6th St, Austin, TX 78703
- 3801 N Capital Of Texas Hwy, Austin, TX 78746
Are deposits at Central National Bank insured?
Yes. Central National Bank is an FDIC-insured bank (FDIC certificate #22396). 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 National Bank: frequently asked questions
Is Central National Bank a good bank?
Central National Bank earns a Bankzia Trust Grade of A (94/100, "Excellent"), based on a financial-strength score of 94/100 (it has no CFPB complaints on record). Strongly capitalized (9.1% capital ratio); Strongly profitable (ROA 2.00%).
Is Central National Bank FDIC-insured?
Yes. Central National Bank is a FDIC-insured bank (FDIC certificate #22396). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is Central National Bank?
Central National Bank holds $1.4 billion in total assets, ranking 241st of 349 banks we track in Texas. It operates 5 branches.
Does Central National Bank have CFPB complaints?
No CFPB complaints against Central National 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.
