Central National Bank (Junction City, KS): Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Central National Bank is a community bank chartered in 1884, based in Junction City, KS. Total assets stand at $1.4B. Returns are notably above industry norms: 1.35% ROA, 13.69% ROE, and 3.81% NIM. Under the simplified Community Bank Leverage Ratio framework, leverage of 11.00% exceeds the CBLR threshold. Asset quality is solid, 0.91% nonperforming loans and a 4.87% Texas Ratio. Central National operates a 35-branch network.
As of June 30, 2026, Central National Bank reported a Tier 1 leverage ratio of 11.00%, a return on assets of 1.35%, a nonperforming-loan ratio of 0.91%, a Texas ratio of 4.87%, per financial data filed with the FFIEC.
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
- Offices
- 35 domestic
- 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
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Central National Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Central National Bank, freeCentral National Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings. A community bank leverage ratio filer reports no CET1 ratio, so the first ratio column is the Tier 1 leverage ratio.
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.00% | 1.35% | 0.91% | 4.87% | 3.81% |
| Q1 2026 | 10.81% | 1.31% | 0.93% | 5.07% | 3.75% |
| Q4 2025 | 11.08% | 1.18% | 0.93% | 5.26% | 3.84% |
| Q3 2025 | 11.34% | 1.26% | 0.51% | 2.93% | 3.83% |
| Q2 2025 | 11.32% | 1.05% | 0.58% | 3.69% | 3.62% |
| Q1 2025 | 11.16% | 1.07% | 0.66% | 3.92% | 3.40% |
| Q4 2024 | 10.98% | 0.93% | 0.67% | 4.28% | 3.35% |
| Q3 2024 | 11.64% | 0.94% | 0.68% | 3.76% | 3.13% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 33 branches →
| 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
What the public regulatory sources show for Central National Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- 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 233 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.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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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. 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 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?
Central National Bank's Texas Ratio is 4.87% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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