Bank · FDIC insured
Central National Bank
A $1.5B bank headquartered in Waco, TX, with 5 branches in Texas. Best rates: CDs 3.62% 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. Savings: carrot has not captured enough rates to score this yet. 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—3.62%CD rates →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Central National Bank
- Headquarters
- 8320 W Highway 84, Waco, TX 76712
- FDIC certificate
- 22396 ↗
Branches
5 branches in Texas
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Texas
5 branches
Waco area · 2
- Central National BankMain office8320 W Highway 84, Waco, TX 76712Directions
- Central Tower Branch5400 Bosque Blvd, Waco, TX 76710Directions
Austin area · 2
- Austin Branch835 W 6th St, Austin, TX 78703Directions
- Central National Bank Austin Westlake Branch3801 N Capital Of Texas Hwy, Austin, TX 78746Directions
Temple area · 1
- Temple Branch938 Canyon Creek Dr, Temple, TX 76502Directions
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 | 9.94% | 10.49% | 11.89% or more |
| Troubled loansNoncurrent | 0.11% | 0.52% | 0.23% or less |
| ProfitabilityReturn on assets | 2.01% | 1.25% | 1.62% or more |
| LendingLoans per $100 deposited | $92 | $88 | — |
- CapitalLeverage ratio9.94%Peers’ middle 10.49% · Top 25% 11.89%+
- Troubled loansNoncurrent0.11%Peers’ middle 0.52% · Top 25% ≤0.23%
- ProfitabilityReturn on assets2.01%Peers’ middle 1.25% · Top 25% 1.62%+
- LendingLoans per $100 deposited$92Peers’ 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 National Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.