Central National Bank
Headquartered in Junction City, Central National Bank serves the Kansas market as a community-focused commercial bank. The Q1 2026 balance sheet stands at $1.4B in assets, including $782M in loans. The bank posts a strong 1.31% ROA and 13.45% ROE. Under the simplified Community Bank Leverage Ratio framework, leverage of 10.81% exceeds the 9% CBLR threshold. Asset quality is solid — 0.93% nonperforming loans and a 5.07% Texas Ratio. Its footprint covers 35 branches concentrated in Kansas.
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
- Fed District
- 11
- Established
- January 1, 1884
- Branches
- 35 domestic
- Employees (FTE)
- 264
- FDIC Cert
- 4702
- Fed RSSD
- 234355
- Website
- www.centralnational.com →
- Parent Holding Company
- CENTRAL OF KANSAS, INC. (RSSD 1064429)
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Central National Bank rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 6 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
Branch Network
Every branch from the FDIC Summary of Deposits — mapped, and listed with the deposits booked at each location.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Loading branches… | |||
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.
- Structure ChangeCharter Discontinued (Merger or Purchase & Assumption)FFIEC NIC
- Structure ChangeCharter Discontinued (Merger or Purchase & Assumption)FFIEC NIC
- MergerParticipated in Absorption/Consolidation/MergerFDIC
- Structure ChangeCharter Discontinued (Merger or Purchase & Assumption)FFIEC NIC
- MergerParticipated in Absorption/Consolidation/MergerFDIC
- Structure ChangeCharter Discontinued (Merger or Purchase & Assumption)FFIEC NIC
- MergerParticipated in Absorption/Consolidation/MergerFDIC
- MergerParticipated in Absorption/Consolidation/MergerFDIC
- Structure ChangeCharter Discontinued (Merger or Purchase & Assumption)FFIEC NIC
Sourced from unified bank events (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 9 events.
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Frequently asked about Central National Bank
What are Central National Bank's total assets?
As of the Q1 2026 filing, Central National Bank reported total assets of $1.38 billion in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Central National Bank headquartered?
Central National Bank is headquartered in JUNCTION CITY, KS, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Central National Bank founded?
Central National Bank was established in 1884, per the FDIC institution directory.
Is Central National Bank FDIC-insured?
Yes. Central National Bank 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. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
How many branches does Central National Bank operate?
Central National Bank operates 35 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Central National Bank's Texas Ratio?
Central National Bank's Texas Ratio is 5.07% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.
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