Central National Bank (TX)

Central National Bank (TX) is headquartered in Waco and is the 81^st largest bank in the state of Texas. It is also the 1,101^st largest bank in the nation. It was established in 1977 and as of December of 2011, it had grown to 93 employees at 4 locations. Central National Bank (TX)'s savings rates are 92% higher than the national average, and it boasts a 5-star health rating.

Central National Bank (TX) Checking Account Rates

Central National Bank (TX) Savings Account Rates

Central National Bank (TX) Money Market Rates

Data for Q4 2011

Institution Statistics Central National Bank FDIC Certificate # 22396 BankRate Report View Year Established 1977 Employees 93 Primary Regulator OCC Assets and Liabilities Assets $605.79 million Loans $419.50 million Deposits $522.77 million Equity Capital $53.36 million Loan Loss Allowance $5.30 million Unbacked Noncurrent Loans $2.76 million Real Estate Owned $707,000 Historic Data - December 2010 Assets $594.21 million Equity Capital $49.19 million Loan Loss Allowance $5.32 million Unbacked Noncurrent Loans $5.15 million Real Estate Owned $785,000 Profit Margin - Quarterly Net Interest Margin 3.56% Return on Assets 1.56% Return on Equity 18.05% Interest Income $24.57 million

Institution Health Overall Score: 5 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2011 Central National Bank (TX) had $3.47 million in non-current loans and owned real-estate with $58.66 million in equity and loan loss allowances on hand to cover it. This gives Central National Bank (TX) a Texas Ratio of 5.92% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Central National Bank (TX) decreased significantly from 10.89% as of December 31, 2010 to 5.92% as of December 31, 2011, resulting in a positive change of 45.70%.This indicates that the balance sheet and financial strength for Central National Bank (TX) has improved significantly in recent periods. Deposit Growth In the past year, Central National Bank (TX) has increased its total deposits by $12.63 million, resulting in 2.48% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Central National Bank (TX) has shown is above average. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Central National Bank (TX) has $605.79 million in assets with $58.66 million in equity, resulting in a capitalization level of 9.68%, which is average.

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