Central National Bank
Junction City, KS
IDRSSD: 234355
Total Assets
$1.27B
Latest filing
Total Deposits
$1.09B
Latest filing
Net Interest Margin
3.90%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Central National Bank
802 N Washington St
Junction City, KS 66441
Full Service - Brick and Mortar
Updated 11/14/2025Established 01/01/1884FDIC Certificate 3126
Branches (34)
Page 1 of 5| Name | Address | City / State |
|---|---|---|
| Central National Bank (Main) | 802 N Washington St | Junction City, KS |
| MOTOR BANK BRANCH | 116 W 8th St | Junction City, KS |
| TOPEKA BRANCH | 800 Se Quincy St | Topeka, KS |
| LAWRENCE BRANCH | 603 W 9th St | Lawrence, KS |
| WICHITA BRANCH | 4838 W Central Ave | Wichita, KS |
| SALINA BRANCH | 454 S Ohio St | Salina, KS |
| WEST LAWRENCE BRANCH | 711 Wakarusa Dr | Lawrence, KS |
| BELOIT BRANCH | 120 E Main St | Beloit, KS |
Showing 7 of 34
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, national (federal) charter, Fed member, and supervised by the OCC |
| Primary Regulator | OCC |
| Established Date | 01/01/1884 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 66441 |
| State and County Number | 20061 |
| Subchapter S Corporations | No |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 10 |
| Numeric code | 3 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Kansas City |
| Core Based Statistical Area Name | Manhattan, KS |
Operational Info
| Number of Employees | 256 |
| Domestic Offices | 35 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.centralnational.com |
| Data Updated | 11/14/2025 |
| CERT | 4702 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $1.27B |
| Total Deposits | $1.09B |
| Total Liabilities | $1.14B |
| Total Equity Capital | $132.09M |
| Net Income | $4.05M |
| Net Loans and Leases | $764.76M |
| Assets Per Employee ($Millions) | $5M |
| Bank Premises and Fixed Assets | $11.29M |
| Cash and Balances due from Depository Institutions | $33.88M |
| Deposits Held in Domestic Offices | $1.09B |
Key Performance Ratios
| Return on Assets (ROA) | 1.26% |
| Return on Equity (ROE) | 12.41% |
| Net Interest Margin | 3.9% |
| Efficiency Ratio | 66.36% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 10.407% |
| Earning Assets to total Assets | 92.08% |
Income and Expense
| Total Interest Income | $16.86M |
| Total Noninterest Income | $4.52M |
| Total Interest Expense | $5.34M |
| Total Noninterest Expense | $10.64M |
| Net Interest Income | $11.52M |
| Pre-tax Net Operating Income | $5.39M |
| Provision for Credit Losses | $0 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $199.00k |
| Other borrowed funds | $43.98M |
| Federal Funds Sold & Reverse Repurchase Agreement | $5.06M |
| Federal Funds Purchased and Repurchased Agreement | $2.73M |
| All Other Liabilities | $5.13M |
| Total Liabilities and Capital | $1.27B |
Securities
| Securities | $385.20M |
| Available-for-sale debt securities | $384.68M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $529.00k |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Central National Bank?
$1.27B as of the latest filing.
How much are Central National Bank's total deposits?
$1.09B in total deposits.
Where is Central National Bank located?
Junction City, KS.
What is the Net Interest Margin?
3.90%.
How many domestic offices does it operate?
35.
When was it established?
01/01/1884.
What is the Return on Assets (ROA)?
1.26%.
How much are total loans and leases?
$764.76M (latest filing).
What is the total interest income (latest filing)?
$16.86M.