TX lenders / Community Bank
Central National Bank
Community Bank · Waco, TX · Centrabanc Corp
- Total assets
- $1.4B
- CRE loan book
- $543.3M
- QoQ CRE growth
- 2.1%
- Q1 2026
Recorded CRE activity — mclennan County
2 commercial deeds of trust recorded recently, verified from county records.
- Jun 26, 2026 · unknownundisclosed
- Jun 26, 2026 · unknownundisclosed
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 6.43% as of Q1 2026 — TX bank median 6.76% (0.33pp below median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 6.43% | 6.42% |
| Q4 2025 | 6.60% | 6.58% |
| Q3 2025 | 6.54% | 6.58% |
| Q2 2025 | 6.50% | 6.56% |
| Q1 2025 | 6.31% | 6.36% |
| Q4 2024 | 6.40% | 6.39% |
| Q3 2024 | 6.31% | 6.43% |
| Q2 2024 | 6.12% | 6.26% |
What their existing real-estate book earns — an anchor for where new money gets priced. Source: FFIEC Call Reports.
For a current market estimate for your property, use the terms estimator →
CRE book — quarterly trend (FFIEC Call Reports)
| Quarter | CRE loans | Construction | Multifamily | Concentration | Nonaccrual CRE |
|---|---|---|---|---|---|
| Q1 2026 | $543.3M | $185.0M | $15.0M | 283% | $0 |
| Q4 2025 | $532.0M | $170.4M | $15.4M | 286% | $0 |
| Q3 2025 | $498.5M | $167.5M | $18.2M | 277% | $0 |
| Q2 2025 | $467.9M | $170.8M | $18.6M | 271% | $0 |
| Q1 2025 | $436.8M | $142.2M | $18.9M | 255% | $0 |
| Q4 2024 | $430.8M | $142.2M | $18.8M | 252% | $0 |
| Q3 2024 | $406.8M | $127.3M | $22.4M | 237% | $0 |
| Q2 2024 | $415.1M | $143.9M | $22.6M | 248% | $214,000 |
Central National Bank: frequently asked questions
- How large is Central National Bank's commercial real estate loan book?
- As of Q1 2026, Central National Bank reported $543.3M in commercial real estate loans out of $1.4B in total assets, per its FFIEC Call Report.
- Is Central National Bank above the 300% CRE concentration guideline?
- Central National Bank's CRE loans stood at 283% of total risk-based capital as of Q1 2026, below the 300% CRE concentration supervisory guideline.
- Is Central National Bank growing or shrinking its CRE lending?
- Central National Bank's CRE loan book grew 2.1% quarter-over-quarter as of Q1 2026 — a net balance change that reflects payoffs and sales as well as new originations.
- How active is Central National Bank in recorded CRE lending?
- 2 commercial deeds of trust naming Central National Bank as lender have been recorded recently in mclennan County, verified from county records; the most recent was recorded Jun 26, 2026.
Answers generated from the verified data on this page — FFIEC Call Reports, county records, and first-party conversations — as of the dates shown.
Similar lenders
Other community banks we track with a comparable CRE book size.
- DMB Community BankCommunity Bank · Madison · $545.5M CRE book
- Union BankCommunity Bank · Morrisville · $549.1M CRE book
- Cornerstone BankCommunity Bank · Fargo · $549.6M CRE book
- The State Bank and Trust CompanyCommunity Bank · Defiance · $535.4M CRE book
- The Citizens Bank of Philadelphia, MississippiCommunity Bank · Philadelphia · $554.3M CRE book
Last updated Jul 2, 2026 · Sources: FFIEC CDR, county records, first-party conversations.