BlastPoint's Banking Scorecard
Central Bank
Designations: ✓ Community bank
Houston, TX
4 branches across TX
Central Bank has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Deposit Franchise: Top 44.2% in tier
- + Delinquency Rate 0.85% below tier average
- + ROA 0.47% above tier average
Key Concerns
Areas that may need attention
- - Efficiency Ratio 2.13% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.3B
+10.7% YoY
+2.2% QoQ
|
-$1.5B |
$2.8B
-0.1% YoY
|
$2.3B
+1.1% YoY
|
$6.2B
+9.1% YoY
|
25% |
| Total Loans ? |
$1.0B
+7.6% YoY
+0.7% QoQ
|
-$949.0M |
$2.0B
+0.6% YoY
|
$1.1B
+10.2% YoY
|
$3.2B
+10.8% YoY
|
32% |
| Total Deposits ? |
$1.2B
+10.8% YoY
+2.4% QoQ
|
-$1.1B |
$2.3B
-0.3% YoY
|
$1.9B
+3.3% YoY
|
$4.8B
+8.2% YoY
|
31% |
| Return on Assets ? |
1.84%
-3.0% YoY
-5.4% QoQ
|
+0.47% |
1.37%
+19.6% YoY
|
1.40%
+10.3% YoY
|
1.23%
+13.4% YoY
|
Top 14.8% in tier |
| Net Interest Margin ? |
4.56%
-6.6% YoY
-7.2% QoQ
|
+0.75% |
3.82%
+6.9% YoY
|
4.03%
+2.6% YoY
|
3.89%
+5.7% YoY
|
Top 10.4% in tier |
| Efficiency Ratio ? |
63.19%
+0.1% YoY
+2.8% QoQ
|
+2.13% |
61.06%
-4.6% YoY
|
63.18%
-2.3% YoY
|
66.95%
-4.1% YoY
|
40% |
| Delinquency Rate ? |
0.04%
-22.7% YoY
-34.3% QoQ
|
-0.85% |
0.89%
+14.1% YoY
|
0.96%
+36.6% YoY
|
0.95%
+18.8% YoY
|
Top 5.5% in tier |
| Loan-to-Deposit Ratio ? |
84.01%
-2.9% YoY
-1.6% QoQ
|
-0.19% |
84.20%
+0.3% YoY
|
67.20%
-0.8% YoY
|
76.70%
+0.9% YoY
|
56% |
| Non-Interest-Bearing Deposit Share ? |
34.25%
-9.8% YoY
-3.0% QoQ
|
+12.96% |
21.29%
-2.5% YoY
|
29.02%
-1.0% YoY
|
22.01%
-1.2% YoY
|
Top 10.2% in tier |
| Nonperforming Asset Ratio ? |
0.17%
-12.6% YoY
-9.7% QoQ
|
-0.51% |
0.67%
+15.6% YoY
|
0.62%
+31.5% YoY
|
0.67%
+19.3% YoY
|
77% |
| Tier 1 Capital Ratio ? |
13.31%
+1.8% YoY
-0.2% QoQ
|
-1.85% |
15.16%
+2.0% YoY
|
18.04%
+0.0% YoY
|
17.06%
+0.8% YoY
|
53% |
| Non-Interest Income / Assets ? |
0.18%
+55.3% YoY
-64.3% QoQ
|
-0.08% |
0.26%
+1.6% YoY
|
0.20%
+4.0% YoY
|
0.32%
+4.1% YoY
|
64% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (1)
Deposit Franchise
growthTop-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.