BlastPoint's Banking Scorecard
Central Bank
Community
Specialty: Commercial
TX
FDIC cert 17612
Houston, TX
1484
banks in Community tier nationally
136 in TX
View Community leaderboard (TX) →
Central Bank shows strong momentum with 3 strengths and 9.1% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Deposit Franchise: Top 27% in Community
- + Credit Quality Leader: Top 47% in Community
- + Return on Assets 0.78% above tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.3B
+9.1% YoY
+5.5% QoQ
|
-$72.6M |
$1.4B
+2.0% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
64% |
| Total Loans ? |
$1.0B
+6.1% YoY
+5.3% QoQ
|
+$33.0M |
$975.5M
+2.4% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
68% |
| Total Deposits ? |
$1.2B
+8.7% YoY
+5.7% QoQ
|
+$16.0M |
$1.2B
+1.7% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
67% |
| Return on Assets ? |
1.95%
+3.3% YoY
-0.0% QoQ
|
+0.78% |
1.16%
+17.2% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
Top 10% in tier |
| Net Interest Margin ? |
4.92%
-4.5% YoY
-1.5% QoQ
|
+1.25% |
3.66%
+9.1% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
Top 6% in tier |
| Efficiency Ratio ? |
61.46%
-5.6% YoY
-0.2% QoQ
|
-1.17% |
62.63%
-5.3% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
53% |
| Delinquency Rate ? |
0.06%
-36.1% YoY
-15.2% QoQ
|
-0.57% |
0.63%
+18.3% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
Top 13% in tier |
| Loan-to-Deposit Ratio ? |
85.42%
-2.4% YoY
-0.4% QoQ
|
+2.36% |
83.06%
+0.3% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
48% |
| Non-Interest-Bearing Deposit Share ? |
35.31%
-11.8% YoY
-3.6% QoQ
|
+14.26% |
21.05%
-0.9% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
Top 8% in tier |
| Nonperforming Asset Ratio ? |
0.19%
-17.4% YoY
-7.7% QoQ
|
-0.31% |
0.50%
+20.3% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
67% |
| Tier 1 Capital Ratio ? |
13.34%
+3.1% YoY
+2.3% QoQ
|
+3.09% |
10.24%
-0.6% YoY
|
10.86%
-2.2% YoY
|
9.75%
-1.9% YoY
|
61% |
| Non-Interest Income / Assets ? |
0.50%
+2.8% YoY
+42.1% QoQ
|
-0.24% |
0.74%
-1.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
48% |
Signature Analysis
Strengths (3)
Deposit Franchise
growth
#41 of 150 · Top 27% in Community
Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.
Why this signature
Noninterest-Bearing Deposit Share:
35.31%
(Tier: 21.05%, National: 21.79%)
Net Interest Margin:
4.92%
(Tier: 3.66%, National: 3.75%)
150 of 150 Community banks match
·
176 nationally
→ Stable
+2 banks QoQ
|
QoQ rank declining
Credit Quality Leader
growth
#174 of 371 · Top 47% in Community
Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Why this signature
Delinquency Rate:
0.06%
(Tier: 0.63%, National: 0.66%)
371 of 371 Community banks match
·
443 nationally
→ Stable
+6 banks QoQ
|
QoQ rank improving
Return on Assets
metric
Top 10%
in Community
Why this stands out
Current:
1.95%
(Tier avg: 1.16%, National avg: 1.12%)
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
94
94th pctile
Net Interest Margin
Current: 4.92% · Tier avg: 3.66%
92
92th pctile
Non-Interest-Bearing Deposit Share
Current: 35.31% · Tier avg: 21.05%
90
90th pctile
Return on Assets
Current: 1.95% · Tier avg: 1.16%
87
87th pctile
Delinquency Rate
Current: 0.06% · Tier avg: 0.63%
68
68th pctile
Total Loans
Current: $1.0B · Tier avg: $975.5M
67
67th pctile
Total Deposits
Current: $1.2B · Tier avg: $1.2B
67
67th pctile
Nonperforming Asset Ratio
Current: 0.19% · Tier avg: 0.50%
64
64th pctile
Total Assets
Current: $1.3B · Tier avg: $1.4B
61
61th pctile
Tier 1 Capital Ratio
Current: 13.34% · Tier avg: 10.24%
53
53th pctile
Efficiency Ratio
Current: 61.46% · Tier avg: 62.63%
48
48th pctile
Loan-to-Deposit Ratio
Current: 85.42% · Tier avg: 83.06%
48
48th pctile
Non-Interest Income / Assets
Current: 0.50% · Tier avg: 0.74%
Top Weaknesses
48
48th pctile
Non-Interest Income / Assets
Current: 0.50% · Tier avg: 0.74%
48
48th pctile
Loan-to-Deposit Ratio
Current: 85.42% · Tier avg: 83.06%
53
53th pctile
Efficiency Ratio
Current: 61.46% · Tier avg: 62.63%
61
61th pctile
Tier 1 Capital Ratio
Current: 13.34% · Tier avg: 10.24%
64
64th pctile
Total Assets
Current: $1.3B · Tier avg: $1.4B
67
67th pctile
Nonperforming Asset Ratio
Current: 0.19% · Tier avg: 0.50%
67
67th pctile
Total Deposits
Current: $1.2B · Tier avg: $1.2B
68
68th pctile
Total Loans
Current: $1.0B · Tier avg: $975.5M
87
87th pctile
Delinquency Rate
Current: 0.06% · Tier avg: 0.63%
90
90th pctile
Return on Assets
Current: 1.95% · Tier avg: 1.16%
92
92th pctile
Non-Interest-Bearing Deposit Share
Current: 35.31% · Tier avg: 21.05%
94
94th pctile
Net Interest Margin
Current: 4.92% · Tier avg: 3.66%