Central National Bank (FDIC #22396): Bank Stress & Real-Estate Credit Exposure
Central National Bank (FDIC Cert #22396): bank stress 54/100, moderate, STABLE over 7 days; parent CENTRABANC CORP.
Central National Bank (#22396) lends in 3 counties across 1 state; Central National Bank (#22396) reaches 114 ZIP codes: Texas 3 counties, 114 ZIPs.
Central National Bank (#22396) largest markets: Travis County, TX (126 branches, 63 ZIPs) (#22396), Mclennan County, TX (58 branches, 29 ZIPs) (#22396), Bell County, TX (23 branches, 23 ZIPs) (#22396).
Central National Bank (#22396) reports $1.47 billion in total assets; Central National Bank (#22396) equity $133.7 million (9.1% of Central National Bank (#22396) assets); Central National Bank (#22396) domestic deposits $1.31 billion; Central National Bank (#22396) net income $14.8 million; Central National Bank (#22396) return on assets 2.01%; Central National Bank (#22396) return on equity 22.60%; Central National Bank (#22396) net interest income $27.5 million; Central National Bank (#22396) call report June 30, 2026.
Central National Bank (#22396) noncurrent real-estate loans: none reported; Central National Bank (#22396) net charge-offs on real estate 0.12%; Central National Bank (#22396) residential charge-offs 0.12%.
Central National Bank (#22396) net interest margin 3.82% against an eight-quarter Central National Bank (#22396) average of 3.75% (Central National Bank (#22396) compression -0.07 points); Central National Bank (#22396) non-residential real estate 11.7% of equity; Central National Bank (#22396) rate-exposure score 40/100, Central National Bank (#22396) fixed-rate trap 40/100; Central National Bank (#22396) risk type credit driven; Central National Bank (#22396) rate regime rates elevated, Central National Bank (#22396) snapshot October 20, 2026.
Central National Bank (#22396) stress score moved from 52.8 on June 22, 2026 to 53.6 on October 20, 2026; Central National Bank (#22396) ranged 52.8 to 53.6 over 117 snapshots.
Central National Bank (#22396) alerts: 3 counties; top Central National Bank (#22396) alert scores: Austin County, TX 18 (low); Temple County, TX 18 (low); Woodway County, TX 18 (low).