CENTRAL NATIONAL BANK

JUNCTION CITY, KS · Supervised by OCC (Office of the Comptroller of the Currency)

Est. 1884FDIC #4,702

Satisfactory Same

Current rating · Exam: January 2025

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Strong

ROA 1.30%

Institution Profile

FDIC BankFind

Website

www.centralnational.com

Address

802 N Washington St, JUNCTION CITY, KS

County

Geary County

Established

January 1, 1884

Total Assets

$1.4B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

January 13, 2025

Exam Type

Intermediate Small Bank

Regulator

OCC (Office of the Comptroller of the Currency)

What is a CRA rating? →

Estimated next exam:Jan 2029(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$1.4B

Total Deposits

$1.2B

Net Loans

$767M

Net Income

$5M

ROA

1.30%

Above avg for Community banks. Peer avg: 0.90%

ROE

13.45%

Risk-Based Capital

0.00%

Below avg for Community banks. Regulatory min: 8%

Peer Comparison

Community banks

Compared to the peer-bank Community peer group (same asset tier).

ROA1.30%Peer avg: 0.90%▲ Above avg

Risk-Based Capital0.00%Peer avg: 12.91%▼ Below avg

Mortgage Denial Rate7.98%Peer avg: 9.91%▲ Above avg

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Branch Footprint

FDIC SOD 2025

Total Branches

Branch Deposits

$1.1B

1-Year Change

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2024	564	84.4%	7.98%
2023	651	81.11%	9.06%
2022	1,023	81.23%	7.72%
2021	1,635	81.47%	8.20%
2020	2,038	81.16%	8.10%
2019	1,321	78.05%	12.11%
2018	1,187	80.2%	11.54%

2024 national avg denial rate: 23.75% · Community bank avg: 9.91% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

Exam Date	Rating	Exam Type
Jan 2025	Satisfactory	Intermediate Small Bank
Nov 2021	Satisfactory	Intermediate Small Bank
Oct 2018	Satisfactory	Large Bank

7 previous ratings locked — back to 1994

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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