Central National Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Securities to assets: 2.26 percentage points higher than in Q1 2026, at 33.32%. Within Kansas, Central National Bank is 109th of 182 on return on assets, 1.35% as of Q2 2026, below the middle of the field. Central National Bank reported 1.35% on return on assets for Q2 2026, 0.07 points above the 1.28% median for banks in the $1B-10B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 11.00% |
| Equity capital to assets | 10.10% |
| Tangible equity to tangible assets | 10.10% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.91% |
| Non-performing assets ratio | 0.54% |
| Net charge-off ratio | -0.04% |
| Texas ratio | 4.87% |
| Allowance for credit losses to loans | 1.83% |
| Reserve coverage of non-performing loans | 201.05% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.35% |
| Return on equity | 13.69% |
| Net interest margin | 3.81% |
| Efficiency ratio | 63.77% |
| Yield on earning assets | 5.48% |
| Cost of funds | 1.80% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 66.75% |
| Core deposits to total deposits | 94.81% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 86.25% |
| Securities to assets | 33.32% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 10.28% | 0.70% | 2.52% | 1.43% | -0.02% |
| Q4 2023 | 11.01% | 0.56% | 2.74% | 1.41% | -0.29% |
| Q1 2024 | 10.99% | 0.73% | 2.76% | 0.78% | -0.07% |
| Q2 2024 | 11.35% | 0.70% | 2.91% | 0.74% | -0.04% |
| Q3 2024 | 11.64% | 0.94% | 3.13% | 0.68% | 0.06% |
| Q4 2024 | 10.98% | 0.93% | 3.35% | 0.67% | -0.24% |
| Q1 2025 | 11.16% | 1.07% | 3.40% | 0.66% | -0.09% |
| Q2 2025 | 11.32% | 1.05% | 3.62% | 0.58% | -0.02% |
| Q3 2025 | 11.34% | 1.26% | 3.83% | 0.51% | 0.01% |
| Q4 2025 | 11.08% | 1.18% | 3.84% | 0.93% | -0.11% |
| Q1 2026 | 10.81% | 1.31% | 3.75% | 0.93% | 0.36% |
| Q2 2026 | 11.00% | 1.35% | 3.81% | 0.91% | -0.04% |
Central National Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Central National Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Central National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4702) · FFIEC NIC profile (RSSD 234355)