BlastPoint's Banking Scorecard
Central National Bank
Community
Specialty: Commercial
TX
FDIC cert 22396
Waco, TX
1484
banks in Community tier nationally
136 in TX
View Community leaderboard (TX) →
Central National Bank has 4 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 28% in Community
- + Efficiency Ratio 18.31% below tier
- + Delinquency Rate 0.62% below tier
- + Nonperforming Asset Ratio 0.49% below tier
Key Concerns
Areas that may need attention
- - Non-Interest Income / Assets 0.58% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.5B
+16.2% YoY
+8.4% QoQ
|
+$111.4M |
$1.4B
+2.0% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
69% |
| Total Loans ? |
$1.1B
+10.9% YoY
+1.5% QoQ
|
+$157.0M |
$975.5M
+2.4% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
73% |
| Total Deposits ? |
$1.3B
+16.5% YoY
+9.1% QoQ
|
+$179.5M |
$1.2B
+1.7% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
73% |
| Return on Assets ? |
2.09%
+13.5% YoY
+1.6% QoQ
|
+0.92% |
1.16%
+17.2% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
Top 8% in tier |
| Net Interest Margin ? |
3.87%
+9.0% YoY
-0.6% QoQ
|
+0.20% |
3.66%
+9.1% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
64% |
| Efficiency Ratio ? |
44.32%
-7.6% YoY
-1.5% QoQ
|
-18.31% |
62.63%
-5.3% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
Top 8% in tier |
| Delinquency Rate ? |
0.00%
-89.7% YoY
-9.8% QoQ
|
-0.62% |
0.63%
+18.3% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
Top 5% in tier |
| Loan-to-Deposit Ratio ? |
84.25%
-4.8% YoY
-6.9% QoQ
|
+1.19% |
83.06%
+0.3% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
52% |
| Non-Interest-Bearing Deposit Share ? |
14.92%
-11.8% YoY
-10.4% QoQ
|
-6.12% |
21.05%
-0.9% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
25% |
| Nonperforming Asset Ratio ? |
0.00%
-90.2% YoY
-83.4% QoQ
|
-0.49% |
0.50%
+20.3% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
Top 5% in tier |
| Tier 1 Capital Ratio ? |
12.52%
-4.1% YoY
-1.1% QoQ
|
+2.28% |
10.24%
-0.6% YoY
|
10.86%
-2.2% YoY
|
9.75%
-1.9% YoY
|
52% |
| Non-Interest Income / Assets ? |
0.16%
-10.1% YoY
+25.2% QoQ
|
-0.58% |
0.74%
-1.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
Bottom 8% in tier |
Signature Analysis
Strengths (4)
Profitability Leader
growth
#106 of 371 · Top 28% in Community
Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Why this signature
Return on Assets:
2.09%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
444 nationally
→ Stable
+5 banks QoQ
|
QoQ rank improving
Efficiency Ratio
metric
Top 8%
in Community
Why this stands out
Current:
44.32%
(Tier avg: 62.63%, National avg: 65.09%)
Delinquency Rate
metric
Top 5%
in Community
Why this stands out
Current:
0.00%
(Tier avg: 0.63%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Top 5%
in Community
Why this stands out
Current:
0.00%
(Tier avg: 0.50%, National avg: 0.48%)
Concerns (1)
Non-Interest Income / Assets
metric
Bottom 8%
in Community
Why this stands out
Current:
0.16%
(Tier avg: 0.74%, National avg: 0.65%)
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
95
95th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.50%
95
95th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.63%
92
92th pctile
Return on Assets
Current: 2.09% · Tier avg: 1.16%
92
92th pctile
Efficiency Ratio
Current: 44.32% · Tier avg: 62.63%
73
73th pctile
Total Loans
Current: $1.1B · Tier avg: $975.5M
73
73th pctile
Total Deposits
Current: $1.3B · Tier avg: $1.2B
69
69th pctile
Total Assets
Current: $1.5B · Tier avg: $1.4B
64
64th pctile
Net Interest Margin
Current: 3.87% · Tier avg: 3.66%
52
52th pctile
Tier 1 Capital Ratio
Current: 12.52% · Tier avg: 10.24%
52
52th pctile
Loan-to-Deposit Ratio
Current: 84.25% · Tier avg: 83.06%
25
25th pctile
Non-Interest-Bearing Deposit Share
Current: 14.92% · Tier avg: 21.05%
8
8th pctile
Non-Interest Income / Assets
Current: 0.16% · Tier avg: 0.74%
Top Weaknesses
8
8th pctile
Non-Interest Income / Assets
Current: 0.16% · Tier avg: 0.74%
25
25th pctile
Non-Interest-Bearing Deposit Share
Current: 14.92% · Tier avg: 21.05%
52
52th pctile
Loan-to-Deposit Ratio
Current: 84.25% · Tier avg: 83.06%
52
52th pctile
Tier 1 Capital Ratio
Current: 12.52% · Tier avg: 10.24%
64
64th pctile
Net Interest Margin
Current: 3.87% · Tier avg: 3.66%
69
69th pctile
Total Assets
Current: $1.5B · Tier avg: $1.4B
73
73th pctile
Total Deposits
Current: $1.3B · Tier avg: $1.2B
73
73th pctile
Total Loans
Current: $1.1B · Tier avg: $975.5M
92
92th pctile
Efficiency Ratio
Current: 44.32% · Tier avg: 62.63%
92
92th pctile
Return on Assets
Current: 2.09% · Tier avg: 1.16%
95
95th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.63%
95
95th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.50%