# CENTRAL NATIONAL BANK
WACO, TX · FDIC certificate 22396 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $1.47B | |
| Deposits | $1.31B | |
| Loans and leases | $1.21B | |
| Total equity | $133.7M | |
| Loans / deposits | 90.97% (p63 of band) | 87.10% |
| Liquid assets / assets | 17.48% (p35 of band) | |
| Uninsured deposits / deposits | 43.57% (p80 of band) | 30.76% |
| Brokered deposits | 5.78% | |
| Wholesale funding | 6.76% (p53 of band) | |
| FHLB advances / assets | 0.70% | |
| Tier 1 leverage | 9.94% (p35 of band) | 10.50% |
| Unrealized securities loss / equity | -8.35% (p47 of band) | -7.75% |
| AOCI / equity | -0.56% (p32 of band) | |
| ROA (annualized) | 2.01% (p88 of band) | 1.26% |
| Net interest margin | 3.82% (p57 of band) | 3.70% |
| Efficiency ratio | 45.35% (p13 of band) | |
| Noncurrent loans | 0.11% (p15 of band) | 0.51% |
| Net charge-offs (annualized) | 0.03% (p52 of band) | |
| Reserve coverage of noncurrent | 1087.00% | |
| Real estate % of loans | 85% | |
| Construction % of loans | 128.88% (p95 of band) | |
| Auto loans | $2.5M (0.21% of loans; DQ 0.99%, NCO 0.00%) | |
| Loans to nondepository financials | $5.9M (4% of equity) (p82 of band) | |
| Deposits YoY | 15.2% | |
| Employees | 107 | |

## Flags firing in the latest filing

- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 1 | reserve under noncurrent |  |
| 2011-09 | 0 |  | reserve under noncurrent |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 1 | capital falling |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 0 |  | capital falling |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 1 | capital falling |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 0 |  | capital falling |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 1 | construction >100% equity |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 0 |  | construction >100% equity |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 0 |  | capital falling |
| 2021-03 | 1 | construction >100% equity |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 3 | uninsured deposits >50%, capital falling |  |
| 2022-06 | 2 |  | capital falling |
| 2022-09 | 2 |  |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 4 | deposits shrinking, assets shrinking, uninsured deposits leaving | uninsured deposits >50% |
| 2023-06 | 3 |  | deposits shrinking |
| 2023-09 | 2 |  | assets shrinking |
| 2023-12 | 2 |  |  |
| 2024-03 | 2 |  |  |
| 2024-06 | 2 |  |  |
| 2024-09 | 1 |  | uninsured deposits leaving |
| 2024-12 | 2 | capital falling |  |
| 2025-03 | 1 |  | capital falling |
| 2025-06 | 1 |  |  |
| 2025-09 | 2 | capital falling |  |
| 2025-12 | 2 |  |  |
| 2026-03 | 2 |  |  |
| 2026-06 | 1 |  | capital falling |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-05-01 [Central National Bank now open in Westlake area - Community Impact](https://news.google.com/rss/articles/CBMiqgFBVV95cUxOdXBwaHFSSXlWUHluSGNxTnlWbnhKZm0xZEsyLUtiUEkyaTNRTExLWkZMcVVsMUhXWXpraVZjbkFReFRPS29RMC1sWVJ2S0UzN2I4cXRwQ2dVbHFtSWlwRUZQX1BqLXVjN0ttNk5qaDJ1T0RxQ0VNdjBoblFHQno4QVJGU0dLOVd4dzQ1YUhzdDBZOHVwXzR6S19JTjlSYTNNMHU0VkpmRnprQQ?oc=5) · Community Impact
- 2026-08-17 [2026 Baylor Coach’s Show Fall Lineup Announced - baylorbears.com](https://news.google.com/rss/articles/CBMinwFBVV95cUxOX3dOR1B3bXJ6UXd3MF9ISk5hYWNmcmlXRlg2TUhrdFEyNU9GMDN3T0hhQVBQYll3RmZjS2NSdzBhMUpsY1BVY2xrdm9qSG5xdmdKMTRsaDIzMEFtOFQ5VU1PRzVWRm53UVpJWlVKMEVYbmphOGx2Z0dsUHZ6cGZzOU5rTlFiblRORFZkWkxGaUUwejVBdENKbTg2SjBhMXM?oc=5) · baylorbears.com
- 2026-03-23 [Here are Kansas City’s top five strongest midsize banks of 2025 - The Business Journals](https://news.google.com/rss/articles/CBMirgFBVV95cUxQZEtfNm92QU5fRW5xZGZpQ1VxeXN0WDZMY2w1Y0ZBb1pXQVpIS2RDX3I0WGJraG9FeGh3OHdCbG5qT1cwMFRkWjV1amtycEdkd1hOSlVwbUtWR0xZdGpma0JhQW1TakN6aURzWUZ2SkxlV1l2QWs4Sk9uNEVVZlFxZDlnbzZ3MTRWa0w1N3l6aTZxa1VoZFdFY2RuUnVsak5KclZtZFBtX3NFTDR1U1E?oc=5) · The Business Journals
- 2026-01-13 [2026 Baylor Coach’s Show Spring Lineup Announced - baylorbears.com](https://news.google.com/rss/articles/CBMiogFBVV95cUxOQzlYT0RiLWdHaGVOdnNoSlBhdTExQ09pRHZaWG5Gb0laSTNZbkN5XzNBeXRNOHAwTFNZeVEwdUo2T0Rpck5pU1R5UzdKUU5HYml5WEhUUHdpNHlfUXpoRHh6cEQwcFJ5aDBHbTdSMnVCYWRDVGFJcDJhY3RXbFdleG9jYnFYR2R5S1haSUM5MXFSMWFGS3dZSGFnRC1WQk4wN0E?oc=5) · baylorbears.com
- 2026-02-25 [Waylon Cowan Obituary - Conroe, TX - Dignity Memorial](https://news.google.com/rss/articles/CBMif0FVX3lxTE1IbmxydWgtQ2Y5WWs0dXVEclAxZlhQaUwwSXFoOER2TnA3Q2ZfR1FMLVpfSDRLX25FS0ZEMHcyMWxPcFdHTVJrTWRTZGp2a1BvS0g0M2RUSUNHS1N5dEZMalFsSF9uMk4xRnZtNWY1RHdtWHl3OUtFTjl1UWZvVnc?oc=5) · Dignity Memorial
- 2025-10-14 [These are the Kansas City-area's five strongest midsize banks at midyear 2025 - The Business Journals](https://news.google.com/rss/articles/CBMiqAFBVV95cUxQZzlQcFpQOUVoelJlblFhdjBCSEJKNHU3amVGTlpQNGs1UUFJb1U0dDZWeGpoMG1zQkZZNERWZnhHSnNNdXVMTGNiNUh0QVpTdy1xMWFUTHJtQnpoeWVMMVFFc1pkNDJwd1ZieXB2NF9tS0gxdnJmX3NKR3hsbnNEb3JyNWhyZTVLX2dOS3IzcTlUN3NNM3BuZ0tjOFBWeExnTkxvUXYtT08?oc=5) · The Business Journals
- 2026-01-30 [First Bank Corp., First State Bank sign merger agreement - Talk Business & Politics](https://news.google.com/rss/articles/CBMikgFBVV95cUxQQlE1aDBlVjhsQng3YVVwRjB4bEQzOGJDbmN4UzhacEF4MFUzd0IwQi1SRUI3b2RBdExta2ZuLTd1bmo0cFZReWZOcHA0Y3hNOUViUUtPeWFneDM5X2VfRVBqakZyMkR2ckV4LTRWcGNVczFvbTlUZzliX2t5QmdGdnZ6ZjVDdEk3RGUydUp4a1Zxdw?oc=5) · Talk Business & Politics
- 2023-01-25 [Why this bank CIO is not a fan of password managers - American Banker](https://news.google.com/rss/articles/CBMikAFBVV95cUxNTmc1NDY3WUtjMnNDSlNZRHluMTNEQUtQN21WRV8wOWh1QnpuRkVrWWs5TlRSRmQtdWNLOEljMXU5MEdnMVBvbmVSZldrWVdkbEI4ZXhRZ0NFR3NuRFJNbi1ETW5XbEc4dnhmNjNsd2ZNRlloM1VYODVUWURzNFpOaGltQ091ZDNUTzZocVV5QkM?oc=5) · American Banker

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=22396 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/60.json (key "22396", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide