TellerScore

Headquartered in Junction City, Kansas, Central National Bank is a national bank with $1.4B in total assets and $1.2B in deposits as of Q2 2026. It operates 35 offices across 2 states. Its charter dates back to 1884.

Central National Bank has a TellerScore of 78 out of 100 (strong) based on Q2 2026 data — higher than 86% of its 897 banks with $1 billion – $10 billion. Among 185 banks headquartered in Kansas, it ranks 68th. Loan quality contributes the most (100/100, 0.01%); capital cushion contributes the least (60/100, 11.00%).

TellerScore · Q2 2026

Scorecard

Capital cushion60/100
Tier 1 leverage ratio: 11.00%
Loan quality100/100
Noncurrent loans ÷ total loans: 0.01%
Earnings73/100
Return on assets (annualized): 1.33%
Funding & liquidity66/100
Loans ÷ deposits and uninsured-deposit share: 65.5% · 40.5% uninsured
Problem-loan coverage100/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.19%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 2 points (76 → 78), mostly because the earnings component improved by 10 points.

TellerScore
747678Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202474
Q3 202476
Q4 202474
Q1 202577
Q2 202576
Q3 202577
Q4 202577
Q1 202677
Q2 202678
Tier 1 leverage ratio
5.00%8.32%11.64%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202411.35%
Q3 202411.64%
Q4 202410.98%
Q1 202511.16%
Q2 202511.32%
Q3 202511.34%
Q4 202511.08%
Q1 202610.81%
Q2 202611.00%
Noncurrent loans
0.01%0.04%0.07%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.05%
Q3 20240.05%
Q4 20240.07%
Q1 20250.03%
Q2 20250.04%
Q3 20250.01%
Q4 20250.04%
Q1 20260.03%
Q2 20260.01%
Return on assets
0.72%1.03%1.33%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.72%
Q3 20240.80%
Q4 20240.84%
Q1 20251.09%
Q2 20251.07%
Q3 20251.14%
Q4 20251.13%
Q1 20261.30%
Q2 20261.33%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202678$1.4B11.00%0.01%1.33%65.5%
Q1 202677$1.4B10.81%0.03%1.30%64.5%
Q4 202577$1.4B11.08%0.04%1.13%62.1%
Q3 202577$1.3B11.34%0.01%1.14%70.5%
Q2 202576$1.3B11.32%0.04%1.07%68.9%
Q1 202577$1.3B11.16%0.03%1.09%64.4%
Q4 202474$1.3B10.98%0.07%0.84%63.2%
Q3 202476$1.2B11.64%0.05%0.80%64.2%
Q2 202474$1.2B11.35%0.05%0.72%62.2%

897 peers · $1 billion – $10 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio11.00%
60th
Total risk-based capital0.00%
13th
Problem loans0.01%
95th
Net charge-offs0.15%
23rd
Return on assets1.33%
58th
Net interest margin3.83%
58th
Efficiency ratio63.9%
35th
Loans to deposits65.5%
89th
Uninsured deposits40.5%
25th
Loan-loss reserves1.83%
94th
Texas ratio0.2%
94th

Similar-size banks in Kansas

InstitutionScoreAssetsCapitalProblem loansCompare
The Bennington State BankBank Salina, KS75 out of 100, Strong$1.4B9.5%0.29%vs
Armed Forces Bank, National AssociationBank Fort Leavenworth, KS83 out of 100, Strong$1.4B13.9%1.21%vs
CoreFirst Bank & TrustBank Topeka, KS71 out of 100, Strong$1.3B8.7%0.21%vs
Nbkc BankBank Leawood, KS82 out of 100, Strong$1.2B17.1%1.45%vs
The First National Bank of HutchinsonBank Hutchinson, KS78 out of 100, Strong$1.2B11.5%0.33%vs
Peoples Bank and Trust CompanyBank Mcpherson, KS61 out of 100, Moderate$1.6B9.3%0.92%vs

Deposit insurance

Is my money safe at Central National Bank?

Yes. Central National Bank is an FDIC-insured institution (FDIC certificate #4702). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 40.5% of deposits ($484.8M) are above the $250,000 FDIC insurance limit, above the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 11.00%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

35 locations

Branches

Central National Bank lists 29 offices in 20 cities across 2 states. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Central National Bank reported 352 home-loan applications under HMDA (LEI 254900L3UJN7196A5W71): 269 originated ($78,815,000 total), 39 denied, and 39 withdrawn or closed by the applicant. Its denial rate on decided applications was 12.5%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Central National Bank
Former names
The Central National Bank of Junction City
Type
National bank
FDIC certificate #
4702
RSSD ID
234355
Primary regulator
OCC
Holding company
Central of Kansas Inc
Established
January 1, 1884
Headquarters
802 N Washington St, Junction City, KS 66441
Employees
257

Quick answers

Central National Bank: common questions

Is Central National Bank FDIC insured?

Yes. Central National Bank is an FDIC-insured institution (FDIC certificate #4702). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Central National Bank's TellerScore?

78 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Central National Bank ever failed?

There is no failure record for FDIC certificate #4702 in the FDIC failed bank list.

How many branches does Central National Bank have?

35 offices as of the latest FDIC data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near Junction City

InstitutionScoreAssetsCapitalProblem loansCompare
The Solomon State BankBank Solomon, KS95 out of 100, Very strong$182.6M19.0%0.00%vs
Farmers and Drovers BankBank Council Grove, KS87 out of 100, Very strong$221.9M25.4%0.37%vs
Armed Forces Bank, National AssociationBank Fort Leavenworth, KS83 out of 100, Strong$1.4B13.9%1.21%vs
New Century BankBank Belleville, KS79 out of 100, Strong$88.9M13.2%0.87%vs
United Bank & TrustBank Marysville, KS79 out of 100, Strong$892.9M11.5%0.00%vs
First Bank KansasBank Salina, KS79 out of 100, Strong$618.5M8.8%0.04%vs