Listed locations
3
Institution profile
Central Bank
Identity verified through FDIC; additional sources pendingVerification describes the US Mortgage Index public-source matching process. It is not an endorsement or recommendation. Read the methodology
Public-record data only. Not a recommendation, lender endorsement, or rate comparison. Verify current licensing, product availability, and terms independently.
FDIC BankFind baseline
FDIC-reported identity and institutional fields from the public BankFind record. These values are not described as current or real-time.
- Legal name
- Central Bank
- Display name
- Central Bank
- Institution status
- Active
- FDIC insured
- Yes
- FDIC insured since
- May 31, 1956
- Established date
- May 31, 1956
- Charter class
- State-chartered commercial bank, member of the Federal Reserve System (FRS)
- Primary federal regulator
- Federal Reserve Board
- Headquarters
- Houston, TX, 77041, United States
- FDIC certificate number
- 17612
- Federal Reserve RSSD ID
- 31255
- Domestic location count
- 4
- Source observed
- August 3, 2026
Regulatory profile
Public FFIEC NIC and CRA records for this institution, presented as source-backed regulatory context rather than a score or recommendation.
Regulatory identity
- Institution status
- ACTIVE
- Primary federal regulator
- FRS
- Institution type
- State Member Bank
- Primary activity
- NAICS 52211
- FDIC certificate
- 17612
- Federal Reserve RSSD ID
- 31255
- LEI
- 5493005J49KPXDXUC959
- Headquarters
- 11201 Clay Road, Houston, TX, 77041-5578, United States
- Primary deposit insurer
- Deposit Insurance Fund (DIF)
- Source observed
- August 19, 2026
Branch network
Showing 1 through 3 of 3 listed locations
Scroll sideways to see every branch column.
| Branch | Address | City | State | Postal code |
|---|---|---|---|---|
| HEIGHTS BRANCH | 1550 West 18th Street | Houston | TX | 77008 |
| LOWER HEIGHTS BRANCH | 2799 Katy Freeway | Houston | TX | 77007 |
| POST OAK PLACE BRANCH | 4605 Post Oak Place | Houston | TX | 77027 |
Community Reinvestment Act (CRA)
Latest available CRA evaluation
- Rating
- Satisfactory
- Exam date
- April 15, 2024
- Regulator
- Federal Reserve
- Examination method
- Intermediate Small Bank
This information reflects Community Reinvestment Act examination ratings reported by the cited official source. It is not a US Mortgage Index rating, recommendation, or assessment of the institution.
CRA evaluations are examination results from the relevant regulatory process and should be interpreted in the context of the examination date and source.
Historical CRA evaluations
Scroll sideways to see every CRA examination column.
| Exam date | CRA rating | Regulator | Examination method |
|---|---|---|---|
| April 15, 2024 | Satisfactory | Federal Reserve | Intermediate Small Bank |
| November 9, 2020 | Satisfactory | Federal Reserve | Intermediate Small Bank |
| March 13, 2017 | Satisfactory | Federal Reserve | Intermediate Small Bank |
| August 1, 2014 | Satisfactory | FDIC | Intermediate Small Bank |
| March 1, 2012 | Satisfactory | FDIC | Intermediate Small Bank |
| March 2, 2009 | Satisfactory | FDIC | Small Bank |
| March 1, 2004 | Satisfactory | FDIC | Small Bank |
| March 1, 1999 | Satisfactory | FDIC | Small Bank |
| December 1, 1995 | Satisfactory | FDIC | Not Reported |
| August 1, 1994 | Needs to Improve | FDIC | Not Reported |
| July 1, 1993 | Satisfactory | FDIC | Not Reported |
| April 1, 1991 | Satisfactory | FDIC | Not Reported |
| April 7, 1990 | Needs to Improve | FDIC | Not Reported |
Institutional history
3 FFIEC NIC history events
Showing 1 through 3 of 3 history events
| Event date | Event type | Related institution |
|---|---|---|
| April 7, 1999 | Charter Discontinued (Merger or Purchase & Assumption) | — |
| May 12, 1989 | Failure - Government Assistance Provided | LEXINGTON STATE BANK |
| March 6, 1987 | Failure - Government Assistance Provided | LIBERTY BANK |
These events are shown as reported by the FFIEC NIC source and are not independent legal conclusions.
FFIEC-reported organizational relationships
2 FFIEC NIC relationship records
Showing 1 through 2 of 2 relationship records
| Relationship | Institution | Type | Location |
|---|---|---|---|
| Direct relationship | ADVANTAGE BUSINESS CAPITAL, INC. | Finance Company | Houston, TX |
| ROOT_INSTITUTION | CENTRAL BANK | State Member Bank | Houston, TX |
These relationships reflect the FFIEC NIC source display and should not be interpreted as a complete legal ownership analysis.
FFIEC NIC information reflects public regulatory records observed on the displayed source date. Observed dates describe when the public record was reviewed, not a real-time update.
Additional profile fields
Fields below supplement the primary source baseline and are shown only when present on the public profile.
- Entity type
- FDIC-insured state-chartered member bank