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Central National Bank
Junction City, KS · FDIC Certificate #4702 · Chartered 01/0
Total assets
$1.39B
Total deposits
$1.20B
Total equity
$140.30M
Net loans
$784.85M
Branches (offices)
33
Net income (YTD)
$9.27M
Rank: #794 of 4,213 U.S. banks by assets · #13 of 183 in Kansas. Assets changed 6.7% and deposits 8.4% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.33% |
| Return on equity | 13.58% |
| Net interest margin (YTD) | 3.83% |
| Equity to assets | 10.10% |
| Tier 1 leverage ratio | 11.00% |
| Uninsured deposits (share of deposits) | 40.5% |
| Noncurrent loans (share of loans) | 0.01% |
| Net charge-offs (share of loans) | 0.15% |
| Loans to deposits | 65.5% |
| Real estate loans (share of loans) | 88.1% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $691.28M | 88.1% | |
| Commercial & industrial | $40.98M | 5.2% | |
| Consumer / individual | $15.44M | 2.0% | |
| Construction & development | $54.59M | 7.0% | |
| Agricultural | $38.24M | 4.9% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $1.27B | $1.14B | $7.52M | $107.17M |
| Jun 2023 | $1.28B | $1.16B | $4.53M | $110.23M |
| Jun 2024 | $1.24B | $1.12B | $4.57M | $121.53M |
| Jun 2025 | $1.30B | $1.11B | $6.86M | $129.39M |
| Jun 2026 | $1.39B | $1.20B | $9.27M | $140.30M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Kansas | $1.16B | 31 |
| Nebraska | $42.64M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $1.20B.
Similar-sized banks
Independence Bank ($1.39B) · Dakota Community Bank & Trust, National Association ($1.39B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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