What is Central National Bank's financial health grade?

Central National Bank has a TFS Financial Health Grade of D (score: 66.5/100). This grade is based on capital adequacy, asset quality, earnings, and consumer protection metrics.

How many branches does Central National Bank have?

Central National Bank has 35 branch locations across the United States.

Is Central National Bank FDIC insured?

Yes, Central National Bank is FDIC insured (Certificate #4702).

What are the total assets of Central National Bank?

Central National Bank has total assets of $1.4B as reported in its most recent FDIC filing.

Central National Bank

BankJunction City, Kansas

www.centralnational.com

Total Assets

$1.4B

Total Deposits

$1.2B

Branches

Established

1884

TFS Health Grade

66.5 / 100

Below average financial health

How we grade

Central National Bank is a bank headquartered in Junction City, Kansas, established in 1884. With $1.4B in total assets and 35 branch locations, it has a TFS Financial Health Grade of D (66.5/100).

Capital & Safety

Tier 1 Capital Ratio

11.08%(8%)

Total Capital Ratio

0.00%(10%)

Non-Performing Loan Ratio

0.04%

Profitability

Return on Assets (ROA)

1.13%(1%)

Return on Equity (ROE)

11.56%(10%)

Net Interest Margin

3.70%

Efficiency Ratio

68.30%(60%)

Lending & Liquidity

Total Loans

$784.3M

Loan-to-Deposit Ratio

62.06%

Net Charge-Off Ratio

-0.05%

Growth

Asset Growth (YoY)

+11.73%

Deposit Growth (YoY)

+9.95%

Net Income

$14.8M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

Branch	Address	City	State	Type
Central National BankHQ	802 N Washington St	Junction City	KS	11
Central National Bank	120 E Main St	Beloit	KS	11
Central National Bank	201 S 4th St	Burlington	KS	11
Central National Bank	130 E 7th St	Concordia	KS	11
Central National Bank	1555 E Santa Fe St	Gardner	KS	12
Central National Bank	205 N Moonlight Rd	Gardner	KS	24
Central National Bank	1916 Main St	Great Bend	KS	11
Central National Bank	3503 10th St	Great Bend	KS	12
Central National Bank	101 N Main St	Halstead	KS	11
Central National Bank	2604 General Hays Rd	Hays	KS	11
Central National Bank	101 S Broadway	Herington	KS	11
Central National Bank	711 E Lincoln Blvd	Hesston	KS	11
Central National Bank	206 N Main St	Hillsboro	KS	11
Central National Bank	1801 W Ash	Junction City	KS	11
Central National Bank	100 Rimrock Dr	Junction City	KS	21
Central National Bank	540 W 6th St	Junction City	KS	11
Central National Bank	116 W 8th St	Junction City	KS	23
Central National Bank	521 E Chestnut St	Junction City	KS	12
Central National Bank	3140 Nieder Rd	Lawrence	KS	24
Central National Bank	711 Wakarusa Dr	Lawrence	KS	11
Central National Bank	3300 Iowa St	Lawrence	KS	12
Central National Bank	603 W 9th St	Lawrence	KS	11
Central National Bank	101 Bluemont Ave	Manhattan	KS	12
Central National Bank	1403 College Ave	Manhattan	KS	11
Central National Bank	208 E South St	Mankato	KS	11
Central National Bank	231 E Main St	Marion	KS	11
Central National Bank	626 N Main St	Newton	KS	11
Central National Bank	454 S Ohio St	Salina	KS	11
Central National Bank	2900 S 9th St	Salina	KS	12
Central National Bank	1501 Sw Wanamaker Rd	Topeka	KS	12
Central National Bank	800 Se Quincy St	Topeka	KS	11
Central National Bank	800 Se Quincy St	Topeka	KS	13
Central National Bank	4838 W Central Ave	Wichita	KS	11
Central National Bank	411 N National Ave	Superior	NE	21
Central National Bank	411 N National Ave	Superior	NE	11

Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.