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Central National Bank (TX)

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Central National Bank (TX) Rates & Review April 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Central National Bank (TX) provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: April 28, 2026

You can compare Central National Bank (TX) rates to other rates in our database, including 12-month CD rates currently at 0.10%, 6-month CD rates at 2.75% and 3-month CD rates at 3.30%. Savings rates are at 0.10% and money market rates are at 2.50%. Mortgage rates on 30-year fixed loans are around 6.13%. All these rates can be compared to Central National Bank (TX) rates. MonitorBankRates evaluates the financial stability of Central National Bank (TX) with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.28%. Rates were last updated on 04/28/2026.

Central National Bank (TX) money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Central National Bank (TX)? Share your experience about Central National Bank (TX) by leaving a review below, or read customer reviews before you decide to use Central National Bank (TX).

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.28%

Excellent Lower than avg

Central National Bank (TX)

8320 W Highway 84
Waco, TX 76712

Current Rate Availability

We do not have Central National Bank (TX) rates right now, but we are constantly updating our database so check back often for updated rates.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Central National Bank (TX) is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather Central National Bank (TX) rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Central National Bank (TX)'s official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Central National Bank (TX)

Bank Holding Company CENTRABANC CORP

Address 8320 W Highway 84, Waco, TX 76712 · Mclennan

Website https://www.cnbwaco.com

FDIC Certificate # 22396

Established 01/10/1977

FDIC Insurance Date 01/10/1977

Domestic Offices 4

Total Branches 4

Regulator OCC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 100/100

5.0

Exceptional Out of 5.0 Stars

0.28%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.8186%

Return on Equity (ROE) 22.5100%

Non-Performing Loans (NPL) 0.02%

Total Assets $1,502,874,000

Total Deposits $1,344,128,000

Equity Capital $129,372,000

Net Income $28,146,000

Headquarters Waco

Total Offices 4

Source: FDIC | Last Updated 12/31/2025

Customer Reviews

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Frequently Asked Questions About Central National Bank (TX)

Is Central National Bank (TX) a safe place to deposit money?

Yes, Central National Bank (TX) is considered a safe financial institution. With a Texas Ratio of 0.27514427040396%, the institution's financial health is rated as excellent. Your accounts are federally insured by the FDIC (Federal Deposit Insurance Corporation) up to $250,000 per depositor, for each account ownership category.

How many branches does Central National Bank (TX) operate?

Central National Bank (TX) currently maintains approximately 4 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, Central National Bank (TX) does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Central National Bank (TX) provides members with tools to manage their accounts and build a solid financial history.

Does Central National Bank (TX) offer online and mobile banking?

Most modern institutions like Central National Bank (TX) provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.cnbwaco.com.