Central National Bank: how it compares with its peers
Against 20 KS banks with half to twice its assets, Central National Bank's strongest measure in Q2 2026 is net interest margin (3.83% vs. a 3.95% peer median). Its weakest relative measure is assets per employee ($5.4M vs. $6.7M).
| Measure | Central National Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.33% | 1.43% | Middle third Ahead of 35% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.83% | 3.95% | Middle third Ahead of 40% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 63.94% | 60.06% | Bottom third Ahead of 30% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.4M | $6.7M | Bottom third Ahead of 10% of peers |
| Loans to deposits Net loans and leases over total deposits. | 65.53% | 76.39% | Context |
What it means for lending operations
Its efficiency ratio of 63.94% is above the 60.06% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- The Bennington State Bank Salina, KS · $1.42B
- Armed Forces Bank, National Association Fort Leavenworth, KS · $1.42B
- CoreFirst Bank & Trust Topeka, KS · $1.26B
- nbkc bank Leawood, KS · $1.24B
- The First National Bank of Hutchinson Hutchinson, KS · $1.21B
- Peoples Bank and Trust Company Mcpherson, KS · $1.59B
Questions about Central National Bank
How big is Central National Bank?
Central National Bank, established in 1884, is headquartered in Junction City, KS. It reported $1.39B in total assets in its Q2 2026 FDIC call report and operates 35 offices.
What is Central National Bank's return on assets?
1.33% annualized in Q2 2026, against a 1.43% median for 20 KS banks with half to twice its assets, ahead of 35% of them.
What is Central National Bank's efficiency ratio?
63.94% in Q2 2026: it spent about 64 cents in noninterest expense for each dollar of revenue. The peer median is 60.06%, and lower is better.
Is Central National Bank growing its loans?
Net loans grew 3.1% over the year to Q2 2026, while deposits grew 8.4%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are KS banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Kansas bank ranked.