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 (79 → 74), mostly because the funding & liquidity component weakened by 20 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 National Bank is an FDIC-insured institution (FDIC certificate #22396). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 43.6% of deposits ($572.4M) 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 9.94%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 13.80% (benchmark: 10%).

Check how much of your own balance is covered

Central National Bank lists 5 offices in 3 cities. Most locations:

• Austin, TX (2)
• Waco, TX (2)
• Temple, TX (1)

All branch addresses and map

In 2025, Central National Bank reported 301 home-loan applications under HMDA (LEI 549300QJOGSPJ8EAX798): 269 originated ($96,795,000 total), 15 denied, and 3 withdrawn or closed by the applicant. Its denial rate on decided applications was 5.0%, 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 National Bank

Former names

Central National Bank of Woodway-Hewitt

Type

National bank

FDIC certificate #

22396

RSSD ID

428060

Primary regulator

OCC

Holding company

Centrabanc Corp

Established

January 10, 1977

Headquarters

8320 W Highway 84, Waco, TX 76712

Website

www.cnbwaco.com

Employees

107