🏦Bank Scorer

CENTRAL NATIONAL BANK

WACO, TX · Supervised by OCC (Office of the Comptroller of the Currency)

Est. 1977FDIC #22,396
Outstanding Up

Current rating · Exam: October 2025

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At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Financial Health

Adequate

ROA 2.00%

Institution Profile

FDIC BankFind

Address

8320 W Highway 84, WACO, TX

County

Mclennan County

Established

January 10, 1977

Total Assets

$1.4B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

October 27, 2025

Exam Type

Intermediate Small Bank

Regulator

OCC (Office of the Comptroller of the Currency)
What is a CRA rating? →
Estimated next exam:Oct 2029(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$1.4B

Total Deposits

$1.3B

Net Loans

$1.2B

Net Income

$7M

ROA

2.00%

ROE

22.59%

Risk-Based Capital

13.56%

Regulatory minimum: 8%

Branch Footprint

FDIC SOD 2025

Total Branches

4

Branch Deposits

$1.1B

1-Year Change

0

Rating History

CRA / FFIEC

Rating Trend

↑ Improving

Based on last 3 exams

9 previous ratings locked — dating back to 1995

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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