# CENTRAL NATIONAL BANK
JUNCTION CITY, KS · FDIC certificate 4702 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $1.39B | |
| Deposits | $1.20B | |
| Loans and leases | $799.5M | |
| Total equity | $140.3M | |
| Loans / deposits | 65.53% (p12 of band) | 87.10% |
| Liquid assets / assets | 38.31% (p88 of band) | |
| Uninsured deposits / deposits | 40.48% (p75 of band) | 30.76% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 3.32% (p38 of band) | |
| FHLB advances / assets | 1.44% | |
| Tier 1 leverage | 11.00% (p60 of band) | 10.50% |
| Unrealized securities loss / equity | -12.55% (p34 of band) | -7.75% |
| AOCI / equity | -0.82% (p23 of band) | |
| ROA (annualized) | 1.33% (p58 of band) | 1.26% |
| Net interest margin | 3.83% (p58 of band) | 3.70% |
| Efficiency ratio | 63.94% (p66 of band) | |
| Noncurrent loans | 0.01% (p6 of band) | 0.51% |
| Net charge-offs (annualized) | 0.09% (p74 of band) | |
| Reserve coverage of noncurrent | 16041.76% | |
| Real estate % of loans | 86% | |
| Construction % of loans | 38.91% (p41 of band) | |
| Auto loans | $8.8M (1.10% of loans; DQ 0.08%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 8.4% | |
| Employees | 257 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 2 | capital falling |  |
| 2012-06 | 0 |  | reserve under noncurrent, capital falling |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 1 | capital falling |  |
| 2015-06 | 1 |  |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 0 |  | capital falling |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 1 | capital falling |  |
| 2018-06 | 0 |  | capital falling |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 2 | capital falling, charge-offs p90 |  |
| 2019-06 | 1 |  | charge-offs p90 |
| 2019-09 | 0 |  | capital falling |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 2 | charge-offs p90 |  |
| 2021-03 | 1 |  | charge-offs p90 |
| 2021-06 | 1 |  |  |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 1 | charge-offs p90 |  |
| 2022-03 | 2 | capital falling, uninsured deposits leaving | charge-offs p90 |
| 2022-06 | 3 | AOCI drag >20% of equity, securities losses >30% of equity | capital falling |
| 2022-09 | 3 |  |  |
| 2022-12 | 3 |  |  |
| 2023-03 | 1 | capital falling | uninsured deposits leaving, AOCI drag >20% of equity, securities losses >30% of equity |
| 2023-06 | 2 | securities losses >30% of equity |  |
| 2023-09 | 1 |  | capital falling |
| 2023-12 | 0 |  | securities losses >30% of equity |
| 2024-03 | 0 |  |  |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 1 | capital falling |  |
| 2026-06 | 0 |  | capital falling |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-08-26 [SPONSORED: Central National Bank celebrates remodeled facility, re-opening - Hays Post](https://news.google.com/rss/articles/CBMicEFVX3lxTFBSbk5GSHFxSV9TVTdiU0s4OWFoampuZloxRmdaaDZiZVpzSTZqZ3hmajA2NGdpVG9YeWctRklUR25vaWVPek10WFJBdVZ4Y0o3RlN1UmkxbV9SMkdKdGlPbDE4bzNiWFFsNUdBcm5aU2Q?oc=5) · Hays Post
- 2026-07-14 [Central National Bank deepens investment in GB with expanded services - greatbendpost.com](https://news.google.com/rss/articles/CBMid0FVX3lxTE5GYU9RXzhpUlhwQm1vZFZFSThPRG9Qc1QyYjA3aXlBbXU5MV9fWGQwWWRQeVJuTWdjWlBZWnMwZldIWGdJazUzeEtLQTFmTFZjM0txNzhDSm9iQ3Q2REJuVzVoY3YxWEFUX0tsRS02RHRUaVF3c2dj?oc=5) · greatbendpost.com
- 2026-06-16 [Central National Bank Announces New Commercial / Ag Loan Officer - JC Post](https://news.google.com/rss/articles/CBMibkFVX3lxTE8yTnB4aDFCdmI2T19LMEF6RUFtS1dsOVA2QzlFLUN4V1hxQmktd0xZdzJlQkpGQk12RHdRUngtWl9lWW5iclZ2MlpUaGphQTZFZDBQZE1LcmFDQ1pWWHpQaC1URzlIV0VGQTlrc0RB?oc=5) · JC Post
- 2026-03-23 [Here are Kansas City’s top five strongest midsize banks of 2025 - The Business Journals](https://news.google.com/rss/articles/CBMirgFBVV95cUxQZEtfNm92QU5fRW5xZGZpQ1VxeXN0WDZMY2w1Y0ZBb1pXQVpIS2RDX3I0WGJraG9FeGh3OHdCbG5qT1cwMFRkWjV1amtycEdkd1hOSlVwbUtWR0xZdGpma0JhQW1TakN6aURzWUZ2SkxlV1l2QWs4Sk9uNEVVZlFxZDlnbzZ3MTRWa0w1N3l6aTZxa1VoZFdFY2RuUnVsak5KclZtZFBtX3NFTDR1U1E?oc=5) · The Business Journals
- 2025-12-04 [Central National Bank Review: Regional Banking With Big Perks - GOBankingRates](https://news.google.com/rss/articles/CBMigwFBVV95cUxPNDBBQ0pFOXFsQ0YyR1ZNeHBsdnJ1U2VxNXE1d1NLVDZqeXNDblgyZjhlRmdZN2dLc3pBajN3eXl3T0U4WUJONVYxd1hEN0JrSnYyYTcyVTA2YjFMUWFudDkwSmFEMDhJb1M3T2FFeXdIQ0Vhd3JkZk93WmhBREhiV1ctRQ?oc=5) · GOBankingRates
- 2025-12-11 [Central National Bank – Junction City Employees Raise Over $22,000 to Benefit United Way - JC Post](https://news.google.com/rss/articles/CBMibkFVX3lxTE15bkhqbmozeUJMeHpjb3JCUzhSSm1TU1RsMTNrTjNMcUp2RS1zb2N0RF9zak9WaFpQNno2N0FNTW9pY1h5VzF5TE9ObnpXaTd5RDhsQ051ZnZIRE9DaWNZaVN6VnI4MUxTaEdEWXZn?oc=5) · JC Post
- 2023-08-25 [Central National Bank warns customers of text scam - WIBW](https://news.google.com/rss/articles/CBMihwFBVV95cUxPaHJmY1ZFbnp1TlpJNUYxR2NZMTVhZlhmVG9xdnRBTzZ3d0FUbkdWZk0wc0l4MTRMY21GRF9XTHZLcUc3Q1VocXhoTUlmTkpXZUp0SjZERHVSNzQyYk5MVHZRcm5ZUTZoUF9VM2xhYUdNYVBzb3NWMTZRODI2bmxZY3paZkJKNFnSAZsBQVVfeXFMTnN3WVdDSWk0Q01aSjJiTkVnNmU5UzNMYUZJcjJOLTNEWEI1VkJCLWlTUTREbzktRWdMUVMxSkp1akNDUEV4YnFERmdIVHZrU0dMOTdZVlpwMnczRDJIcXl2dHg1eTBvU0VmSXBzWFJ5MHJ6VVEwb2RYRWlSenFFQVhiUmJDSllaZWYtam82M0wtMlNDeUpXNk1LcU0?oc=5) · WIBW
- 2025-10-14 [These are the Kansas City-area's five strongest midsize banks at midyear 2025 - The Business Journals](https://news.google.com/rss/articles/CBMiqAFBVV95cUxQZzlQcFpQOUVoelJlblFhdjBCSEJKNHU3amVGTlpQNGs1UUFJb1U0dDZWeGpoMG1zQkZZNERWZnhHSnNNdXVMTGNiNUh0QVpTdy1xMWFUTHJtQnpoeWVMMVFFc1pkNDJwd1ZieXB2NF9tS0gxdnJmX3NKR3hsbnNEb3JyNWhyZTVLX2dOS3IzcTlUN3NNM3BuZ0tjOFBWeExnTkxvUXYtT08?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=4702 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/30.json (key "4702", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide