BlastPoint's Banking Scorecard
Central National Bank
Designations: ✓ Community bank
Waco, TX
5 branches across TX
Central National Bank has 4 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 38.2% in tier
- + Nonperforming Asset Ratio 0.62% below tier average
- + ROA 0.63% above tier average
- + Efficiency Ratio 15.16% below tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 2.5% in tier
- - Non-Interest Income / Assets 0.21% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.4B
+13.4% YoY
-3.7% QoQ
|
-$1.4B |
$2.8B
-0.1% YoY
|
$2.3B
+1.1% YoY
|
$6.2B
+9.1% YoY
|
31% |
| Total Loans ? |
$1.2B
+11.6% YoY
+1.8% QoQ
|
-$812.4M |
$2.0B
+0.6% YoY
|
$1.1B
+10.2% YoY
|
$3.2B
+10.8% YoY
|
41% |
| Total Deposits ? |
$1.3B
+13.7% YoY
-4.1% QoQ
|
-$1.1B |
$2.3B
-0.3% YoY
|
$1.9B
+3.3% YoY
|
$4.8B
+8.2% YoY
|
36% |
| Return on Assets ? |
2.00%
-0.6% YoY
-4.4% QoQ
|
+0.63% |
1.37%
+19.6% YoY
|
1.40%
+10.3% YoY
|
1.23%
+13.4% YoY
|
Top 10.2% in tier |
| Net Interest Margin ? |
3.78%
+0.5% YoY
-2.2% QoQ
|
-0.04% |
3.82%
+6.9% YoY
|
4.03%
+2.6% YoY
|
3.89%
+5.7% YoY
|
59% |
| Efficiency Ratio ? |
45.90%
-0.7% YoY
+3.6% QoQ
|
-15.16% |
61.06%
-4.6% YoY
|
63.18%
-2.3% YoY
|
66.95%
-4.1% YoY
|
Top 12.2% in tier |
| Delinquency Rate ? |
0.07%
+23.9% YoY
|
-0.82% |
0.89%
+14.1% YoY
|
0.96%
+36.6% YoY
|
0.95%
+18.8% YoY
|
Top 9.3% in tier |
| Loan-to-Deposit Ratio ? |
89.44%
-1.9% YoY
+6.2% QoQ
|
+5.24% |
84.20%
+0.3% YoY
|
67.20%
-0.8% YoY
|
76.70%
+0.9% YoY
|
40% |
| Non-Interest-Bearing Deposit Share ? |
15.58%
-10.9% YoY
+4.4% QoQ
|
-5.71% |
21.29%
-2.5% YoY
|
29.02%
-1.0% YoY
|
22.01%
-1.2% YoY
|
31% |
| Nonperforming Asset Ratio ? |
0.06%
+21.9% YoY
|
-0.62% |
0.67%
+15.6% YoY
|
0.62%
+31.5% YoY
|
0.67%
+19.3% YoY
|
Top 9.3% in tier |
| Tier 1 Capital Ratio ? |
12.31%
-5.8% YoY
-1.7% QoQ
|
-2.85% |
15.16%
+2.0% YoY
|
18.04%
+0.0% YoY
|
17.06%
+0.8% YoY
|
37% |
| Non-Interest Income / Assets ? |
0.05%
+5.7% YoY
-72.4% QoQ
|
-0.21% |
0.26%
+1.6% YoY
|
0.20%
+4.0% YoY
|
0.32%
+4.1% YoY
|
Bottom 8.4% in tier |
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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)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (1)
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.