The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

From Q2 2025 to Q2 2026, the score fell 5 points (75 → 70), mostly because the loan quality component weakened by 15 points.

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Similar-size banks in Texas

Yes. Central Bank is an FDIC-insured institution (FDIC certificate #17612). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 41.6% of deposits ($529.7M) are above the $250,000 FDIC insurance limit, above the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 10.07%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 13.98% (benchmark: 10%).

Check how much of your own balance is covered

Central Bank lists 4 offices in 1 city. Most locations:

• Houston, TX (4)

All branch addresses and map

In 2025, Central Bank reported 50 home-loan applications under HMDA (LEI 5493005J49KPXDXUC959): 35 originated ($23,975,000 total), 4 denied, and 10 withdrawn or closed by the applicant. Its denial rate on decided applications was 10.0%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Legal name

Central Bank

Former names

Central Bank of Houston; Montrose National Bank of Houston; Central National Bank of Houston

Type

State-chartered bank (Fed member)

FDIC certificate #

17612

RSSD ID

31255

Primary regulator

FED

Holding company

Central Bancshares Inc

Established

May 31, 1956

Headquarters

11201 Clay Rd, Houston, TX 77041

Website

www.centralbankhouston.com

Employees

162