Central National Bank is headquartered in JUNCTION CITY and is the 12th largest bank in the state of Kansas. It is also the 851st largest bank in the nation. It was established in 1884 and as of March of 2025, it had grown to 260 employees at 35 locations. Central National Bank's CD rates are 4X the national average, and it has an A health rating.
I have banked with Central National Bank for over 10 years and never had any issues until my checking account was charged $496 by an unknown merchant. I filed a fraudulent claim with the bank and they declined my claim and refused to reimburse my money. I know that I did not make the purchase, the information the merchant provided was all fake. The bank approved the charge even though my card information was typed in online and they didn't have the CVV code to verify my card. The bank did not alert me to any fraud activity despite the same merchant attempting to charge my account twice in a row once for $1600 and the second time for $496. They refuse to give me my money bank or allow me to speak with the fraud department.
Overall | |
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FDIC Certificate # | 4702 |
Year Established | 1884 |
Employees | 260 |
Primary Regulator | OCC |
Profit Margin | |
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Return on Assets - YTD | 1.09% |
Return on Equity - YTD | 11.3% |
Annual Interest Income | $15.4MM |
Assets and Liabilities | ||
---|---|---|
Assets | Q1 2025vs Q1 2024 | $1.27B$1.25B |
Loans | Q1 2025vs Q1 2024 | $722.6MM$664.9MM |
Deposits | Q1 2025vs Q1 2024 | $1.12B$1.12B |
Equity Capital | Q1 2025vs Q1 2024 | $125.5MM$117.6MM |
Loan Loss Allowance | Q1 2025vs Q1 2024 | $13.9MM$13.5MM |
Unbacked Noncurrent Loans | Q1 2025vs Q1 2024 | $117K$440K |
Real Estate Owned | Q1 2025vs Q1 2024 | $530K$364K |
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.
APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
---|---|---|---|---|
0.15% | $0 | - | Central Advantage Savings | |
0.15% | $0 | - | Central Youth Savings | |
0.15% | $0 | - | Health Savings Account | |
0.15% | $0 | - | Central Secret Agent Savings |
APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS | |
---|---|---|---|---|---|
1.26%* | $1m* | - | Central Prestige Money Market | ||
OTHER TIERS: 0.70% → $1k - $10k | 0.75% → $10k - $50k | 0.95% → $50k - $250k | 1.16% → $250k - $1m |
APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
---|---|---|---|---|
0.05% | $0 | - | Central Premium Checking |