Central National Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Central National Bank of Junction City, KS against its peer group of 927 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA Behind the peer average, ahead of the median peer. | 1.35% | 1.46% | -0.11% | 56th above |
| ROAE | 13.69% | 12.69% | +1.00% | 60th above |
| Net Interest Margin Behind the peer average, ahead of the median peer. | 3.81% | 3.85% | -0.04% | 57th above |
| Efficiency Ratio | 63.77% | 57.40% | +6.37% | 34th below |
| PPNR / Avg Assets Behind the peer average, ahead of the median peer. | 1.76% | 1.88% | -0.12% | 53rd above |
| Yield on Earning Assets | 5.48% | 5.72% | -0.24% | 47th below |
| Cost of Funds | 1.80% | 2.02% | -0.22% | 62nd above |
| Net Interest Spread | 3.28% | 3.18% | +0.10% | 64th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.91% | 1.00% | -0.09% | 36th below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.54% | 0.76% | -0.22% | 46th below |
| NCO / Avg Loans | -0.04% | 0.43% | -0.47% | 97th top |
| ACL / Total Loans | 1.83% | 1.31% | +0.52% | 94th top |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 201.05% | 564.56% | -363.51% | 55th above |
| Texas Ratio | 4.87% | 7.39% | -2.52% | 50th above |
| Provision / NCO | 0.00% | 618.94% | -618.94% | 10th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.00% | 11.44% | -0.44% | 61st above |
| Equity / Assets | 10.10% | 11.34% | -1.24% | 45th below |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 10.10% | 10.50% | -0.40% | 58th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 66.75% | 86.96% | -20.21% | 89th top |
| Core Deposit Ratio | 94.81% | 85.55% | +9.26% | 84th top |
| Uninsured Deposit Ratio | 40.48% | 33.12% | +7.36% | 25th below |
| Wholesale Funding Ratio | 3.32% | 5.70% | -2.38% | 54th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 6.70% | 9.68% | -2.98% | 60th above |
| Loan Growth (Y/Y) | 3.07% | 8.06% | -4.99% | 35th below |
| Deposit Growth (Y/Y) | 8.38% | 7.88% | +0.50% | 69th above |
See Central National Bank's peers by name
The 927 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Central National Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Central National Bank profile, how to read a UBPR, or how this data updates.