Bank · FDIC insured
Central Bank
A $1.4B bank headquartered in Houston, TX, with 4 branches in Texas. Best rates: CDs 0.50% and savings 0.25% APY.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards. CDs: not enough terms or balances published to score. Auto loans: no rates found on its website. Credit cards: only rates Carrot doesn’t compare are published (introductory, refinance or business rates, or none at all).
- CDs—0.50%CD rates →
- Savings700.75%at $100,000Savings rates →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Central Bank
- Headquarters
- 11201 Clay Rd, Houston, TX 77041
- FDIC certificate
- 17612 ↗
Branches
4 branches in Texas
Loading map…
Texas
4 branches
- Central BankMain office11201 Clay Rd, Houston, TX 77041Directions
- Heights1550 W 18th St, Houston, TX 77008Directions
- Lower Heights Branch2799 Katy Fwy, Houston, TX 77007Directions
- Post Oak Place Branch4605 Post Oak Place Dr, Houston, TX 77027Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 10.07% | 10.49% | 11.89% or more |
| Troubled loansNoncurrent | 0.54% | 0.52% | 0.23% or less |
| ProfitabilityReturn on assets | 1.87% | 1.25% | 1.62% or more |
| LendingLoans per $100 deposited | $86 | $88 | — |
- CapitalLeverage ratio10.07%Peers’ middle 10.49% · Top 25% 11.89%+
- Troubled loansNoncurrent0.54%Peers’ middle 0.52% · Top 25% ≤0.23%
- ProfitabilityReturn on assets1.87%Peers’ middle 1.25% · Top 25% 1.62%+
- LendingLoans per $100 deposited$86Peers’ middle $88
Compared with the 897 banks with $1 billion to $10 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Central Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.