BBVA USA was a bank headquartered in Birmingham, Alabama. It was a subsidiary of Banco Bilbao Vizcaya Argentaria from 2007 until 2021, when it was acquired by PNC Financial Services. It operated mainly in Alabama, Arizona, California, Colorado, Florida, New Mexico, and Texas. The bank was earlier named Central Bank and Trust Company, Central Bank, Central Bancshares of the South, and Compass Bancshares.

On March 2, 1964, the company was founded as the Central Bank and Trust Company by Harry B. Brock Jr., Schuyler Baker, and Hugh Daniel with US$1 million of capital. Other founding directors included Frank L. Hardy, John R. Israel, Wendell H. Taylor, and Stewart Welch.

In 1967, the company moved into a new headquarters building on 20th Street South, now the University of Alabama at Birmingham Administration Building.

In 1971, Central made a hostile takeover bid for State National Bank in Decatur, the only bank that could open branches across county lines. The bid was supported by Hugh Agricola and other shareholders of the First National Bank of Gadsden, which had been bought by State National. It was financed by a US$10 million line of credit from the Bank of Virginia, which was pioneering its own statewide banking company. By July, Central was able to assemble a voting trust representing about a third of State National's shares in advance of a public offering of US$70 per share. The City National Bank of Birmingham, which had also been planning a merger, countered with $80 per share. Central instructed their brokers to buy as many shares as they could up to $85 and ended with enough shares to control State National's board.

In response, Alabama's other major banks filed several court actions in an attempt to block the merger. One action, brought in Federal Court, did succeed in blocking it, on the technicality that Alabama's banking laws, under which the state-chartered bank operated, were incompatible on a few points with Federal banking laws that governed the national banks in the area of mergers. While this finding was being appealed, banking lobbyists were pushing for new legislation that would prevent the merged company from being able to operate in more than one county. Brock and Central Bank's other officers personally lobbied against the bill. Although it would have passed easily, the bill died in committee without reaching the floor for a vote. The result of the failed bill was that statewide bank holding companies were recognized as a legal possibility for the first time, and the other major banks moved quickly to organize while Central was waiting for a decision. Another group, led by Frank Plummer, Norman Pless, and Bob Lowery, formed Alabama's first statewide holding company while Central's appeal was pending. This group even stole Brock's intended name for Central's proposed holding company, First Alabama Bancshares, forerunner of Regions Financial Corporation. Central did win an appeal and reorganized as the Central and State National Corporation, which was soon renamed Central Bancshares of the South.

In 1981, Central and a coalition of other bank holding companies successfully lobbied for the Bank Merger Act, allowing statewide bank branching under a single banking company. The bank began pursuing interstate banking in the legislature, and, in November 1984, was successful, again with the help of other big banks, in passing enabling legislation that took effect in 1986.

The bank's first acquisition out of state was the failing First National Bank of Crosby, Texas in February 1987. Central Bancshares became the first bank in Alabama to own a bank in another state and the first out-of-state bank to own a bank in Texas.

D. Paul Jones took over the CEO position from Brock in 1991.