Central National Bank (Junction City, KS)
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Data as of · sourced from FFIEC call reports. How we update
Central National Bank is an FDIC-insured commercial bank headquartered in Junction City, KS, established in 1884 (FDIC certificate 4702), and it is supervised by the OCC. At Q2 2026 it reported total assets of $1.39B, up 6.7% from Q2 2025, the 13th largest of 182 banks headquartered in Kansas. It reports no CET1 ratio; its Tier 1 leverage ratio was 11.00% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 4702
- Headquarters
- Junction City, KS
- Established
- 1884
- Total assets, Q2 2026
- $1.39B
- Assets vs Q2 2025
- +6.7%
- Tier 1 leverage ratio, Q2 2026
- 11.00%
- Domestic offices
- 35 FDIC institution directory, current count
- Routing number
- 101101293
- Latest call report
- Q2 2026, FFIEC 041 · Central National Bank call report
- Holding company
- CENTRAL OF KANSAS, INC.
- Asset rank in state
- 13th of 182 in Kansas
Central National Bank, based in Junction City, Kansas, reported $1.4 billion in assets at June 30, 2026, up 6.7% from a year earlier. It carries problem assets equal to 0.1% of the capital and reserves that would absorb them, a small fraction of the median of 3.6% for the 895 banks with $1 billion to $10 billion in assets. It also holds commercial real estate loans worth 1.4 times its capital, lower than about three-quarters of banks its size (median 2.2 times).
Earnings jumped: net income for the quarter was $4.7 million, 40% above the same quarter a year earlier. Over the same year, loans grew 3.1% and deposits grew 8.4%.
As of June 30, 2026, Central National Bank reported a return on assets of 1.35%, a nonperforming-loan ratio of 0.01% and a Texas ratio of 0.13%. The figures come from its call report filed with the FFIEC.
Central National Bank ranks as the 13th largest of the 182 banks based in Kansas, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 0.9% to $1.39B, loans rose 2.2% and deposits rose 0.7%. Its loan book on June 30, 2026 was led by farmland and other real estate loans, at 23.3% of total loans, followed by non-owner-occupied commercial real estate loans at 19.6%. The FDIC Summary of Deposits lists 33 offices for it, in 20 cities across 2 states; its Junction City 6 offices book 34% of its branch deposits. By the capital ratios in its Q2 2026 call report, Central National Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 802 N Washington St, Junction City, KS 66441
- County
- Geary
- Metro Area
- Manhattan, KS
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- January 1, 1884
- Domestic offices
- 35 FDIC institution directory, current count
- Employees (FTE)
- 257
- Domestic deposits
- $1.20B
- Allowance for credit losses
- $14.6M
- Net charge-offs (YTD)
- $611K
- Average total assets
- $1.40B
- Average total loans
- $789.0M
- Average interest-bearing deposits
- $968.1M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 4702
- Fed RSSD
- 234355
- Website
- www.centralnational.com →
- Parent Holding Company
- CENTRAL OF KANSAS, INC. (RSSD 1064429)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Central National Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Central National Bank's total assets moved between a low of $1.22B (Q3 2023) and a high of $1.41B (Q4 2025) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$1.39B total assets against $1.30B; $1.25B total liabilities against $1.17B.
$784.9M net loans and leases against $761.1M; $1.20B total deposits against $1.11B.
$462.7M securities against $401.0M; $59.2M cash and balances due against $40.0M.
$18.2M total interest income against $16.4M; $5.6M total interest expense against $5.4M.
$12.6M net interest income against $11.0M.
$4.6M total noninterest income against $4.3M; $11.0M total noninterest expense against $10.7M.
$0 provision for credit losses against $258K.
$4.7M net income against $3.4M.
1.35% return on assets against 1.05%; 3.81% net interest margin against 3.62%.
11.00% tier 1 leverage ratio against 11.32%.
Inside the full Central National Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeCentral National Bank rankings
Its closest position to the top of a national ranking is 786 of 4,196, for total assets; its furthest is 3,209 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.93% (Q4 2024) to 1.35% (Q2 2026) and its net interest margin ran from 3.13% (Q3 2024) to 3.84% (Q4 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.00% | 1.35% | 0.01% | 0.13% | 3.81% |
| Q1 2026 | 10.81% | 1.31% | 0.03% | 0.21% | 3.75% |
| Q4 2025 | 11.08% | 1.18% | 0.04% | 0.21% | 3.84% |
| Q3 2025 | 11.34% | 1.26% | 0.01% | 0.14% | 3.83% |
| Q2 2025 | 11.32% | 1.05% | 0.04% | 0.47% | 3.62% |
| Q1 2025 | 11.16% | 1.07% | 0.03% | 0.46% | 3.40% |
| Q4 2024 | 10.98% | 0.93% | 0.07% | 0.62% | 3.35% |
| Q3 2024 | 11.64% | 0.94% | 0.05% | 0.56% | 3.13% |
Swipe the table sideways to see every column.
Branch Network
View all 33 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Central National Bank (main office) | Junction City , KS | 66441 | $370.3M |
| Concordia Branch | Concordia , KS | 66901 | $91.4M |
| Marion Branch | Marion , KS | 66861 | $68.4M |
| Hillsboro Branch | Hillsboro , KS | 67063 | $62.0M |
| Wichita Branch | Wichita , KS | 67212 | $53.2M |
| Herington Branch | Herington , KS | 67449 | $50.3M |
| Topeka Branch | Topeka , KS | 66612 | $46.9M |
| 201 South Fourth Street Branch | Burlington , KS | 66839 | $45.8M |
| Salina Branch | Salina , KS | 67401 | $43.2M |
| Superior Branch | Superior , NE | 68978 | $42.6M |
| West Lawrence Branch | Lawrence , KS | 66049 | $39.6M |
| Manhattan Branch | Manhattan , KS | 66502 | $37.0M |
| Mankato Branch | Mankato , KS | 66956 | $33.0M |
| Halstead Branch | Halstead , KS | 67056 | $24.8M |
| Newton Branch | Newton , KS | 67114 | $23.6M |
| Beloit Branch | Beloit , KS | 67420 | $22.7M |
| Junction City Ash Street Branch | Junction City , KS | 66441 | $20.9M |
| Hesston Branch | Hesston , KS | 67062 | $20.7M |
| Lawrence Wal-Mart Branch | Lawrence , KS | 66046 | $12.8M |
| Lawrence Branch | Lawrence , KS | 66044 | $10.9M |
| Junction City Walmart Branch | Junction City , KS | 66441 | $10.7M |
| Gardner Wal-Mart Branch | Gardner , KS | 66030 | $10.5M |
| Hays Branch | Hays , KS | 67601 | $10.3M |
| Manhattan Wal-Mart Branch | Manhattan , KS | 66502 | $9.2M |
| Salina Walmart Branch | Salina , KS | 67401 | $8.9M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| July 15, 2003 | Structure Change | Acquired Central National Investment, Inc. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 7, 2000 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 7, 2000 | Structure Change | Acquired Farmers State Bank and Trust Company of Superior Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 1, 1996 | Structure Change | Acquired Gypsum Valley National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 31, 1995 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 1995 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 1995 | Structure Change | Acquired Central National Bank Marion County Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 1, 1994 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 1, 1994 | Structure Change | Acquired Central Bank - Herington Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 9 events.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (OCC)
- September 17, 2009, OCC: Formal Agreement: Central National Bank
- Period: Most recent institution action September 17, 2009. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 1.1% of deposits in KS, rank 20 of 231 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 358 applications, 269 loans originated, $78.8M originated, across 7 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 2 loans, $2.5M approved, $1.3M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2024 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Central National Bank
What are Central National Bank's total assets?
As of the Q2 2026 filing, Central National Bank reported total assets of $1.39 billion in its FFIEC call report.
Where is Central National Bank headquartered?
It is headquartered in Junction City, KS, United States.
When was Central National Bank founded?
It was established in 1884, per the FDIC institution directory.
Is Central National Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #4702). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Central National Bank?
Central National Bank's primary federal regulator is the OCC.
How many branches does Central National Bank operate?
It operates 35 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Central National Bank's Texas Ratio?
Its Texas Ratio is 0.13% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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