Central National Bank
Junction City, Kansas, Geary County
$1.4B in total assets, the 812th largest of 4,309 US banks and 13th of 185 headquartered in Kansas.
- FDIC certificate
- 4702
- Established
- 1884
- Owned by
- Central Of Kansas Inc
- Primary regulator
- OCC
- Website
- www.centralnational.com
At a glance
Compared with 19 banks headquartered in Kansas with $1 billion to $10 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $1.4B | 37% | $1.6B | |
| Loans | $799M | 26% | $1.1B | |
| Deposits | $1.2B | 37% | $1.3B | |
| Return on assets | 1.27% | 32% | 1.43% | |
| Net interest margin | 3.83% | 47% | 3.87% | |
| Efficiency ratio | 63.9% | 79% | 59.1% | |
| Equity to assets | 10.10% | 42% | 10.63% | |
| Loans to deposits | 67% | 16% | 84% |
Growth
Total assets grew 2.7% a year over the last 5 years and 4.0% a year over 10 years, without acquisitions.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Feb 2000 | Farmers State Bank Mankato, KS, an affiliate under the same holding company | $60M |
| Feb 2000 | Farmers State Bank and Trust Company of Superior Superior, NE, an affiliate under the same holding company | $68M |
| Dec 1995 | Gypsum Valley National Bank Gypsum, KS | $20M |
| Jan 1995 | Central National Bank Marion County Marion, KS | $59M |
| Apr 1994 | Central National Bank-Newton Newton, KS, an affiliate under the same holding company | $65M |
| Apr 1994 | Central Bank - Herington Herington, KS, an affiliate under the same holding company | $44M |
Where they operate
35 branches in 17 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Geary County, KS | $410M | 55.4% | 1 of 7 |
| Marion County, KS | $130M | 33.9% | 1 of 8 |
| Cloud County, KS | $91M | 25.8% | 2 of 7 |
| Harvey County, KS | $69M | 7.5% | 5 of 11 |
| Douglas County, KS | $63M | 1.8% | 11 of 22 |
| Shawnee County, KS | $54M | 0.9% | 14 of 18 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net loss of 1 branch since 2016 (36 to 35, −2.8%). 3 opened, 0 acquired, 4 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 36 | |||
| 2017 | Sold 1 branch to Guaranty State Bank and Trust CompanySold 1 branch to Bank of the Flint Hills | 0 | 2 | −2 | 34 |
| 2018 | Opened Hays | 1 | 0 | +1 | 35 |
| 2019 | Opened Great BendClosed Tipton | 1 | 1 | 0 | 35 |
| 2020 | Opened Wamego | 1 | 0 | +1 | 36 |
| 2023 | Closed Wamego | 0 | 1 | −1 | 35 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Commercial real estate | 38% | 31% | |
| Farmland | 23% | 6% | |
| 1-4 family residential | 15% | 25% | |
| Construction and land | 7% | 8% | |
| Business (C&I) | 5% | 15% | |
| Agricultural | 5% | 5% | |
| Multifamily | 3% | 5% | |
| Consumer | 2% | 2% | |
| Other | 2% | 2% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 63% | 52% | |
| Time deposits | 19% | 26% | |
| Noninterest-bearing | 18% | 22% |
Brokered deposits are 0.0% of deposits (peers 5.5%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 0.00% | 0.62% |
| Net charge-offs, annualized | 0.15% | 0.05% |
| Reserves to loans | 1.83% | 1.25% |
| Leverage ratio | 11.00% | 10.23% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Kansas
Largest competitors in Geary County, KS
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/banks/central-national-bank-junction-city-ks