Bank · FDIC insured
Central National Bank
A $1.4B bank headquartered in Junction City, KS, with 30 branches in 2 states. Best rates: CDs 2.00% and savings 0.75% APY.
Central National Bank Carrot Score
66
Carrot Score
Higher than 16% of U.S. banks and credit unions
#12 of 14 in Manhattan, KS metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Central National Bank
- Headquarters
- 802 N Washington St, Junction City, KS 66441
- FDIC certificate
- 4702 ↗
Branches
30 branches in 2 states
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Kansas
29 branches
Manhattan area · 7
- Central National BankMain office802 N Washington St, Junction City, KS 66441Directions
- Junction City Ash Street Branch1801 W Ash, Junction City, KS 66441Directions
- Junction City Branch540 W 6th St, Junction City, KS 66441Directions
- Junction City Walmart Branch521 E Chestnut St, Junction City, KS 66441Directions
- Motor Bank Branch116 W 8th St, Junction City, KS 66441Directions
- Manhattan Branch1403 College Ave, Manhattan, KS 66502Directions
- Manhattan Wal-Mart Branch101 Bluemont Ave, Manhattan, KS 66502Directions
Wichita area · 4
- Halstead Branch101 N Main St, Halstead, KS 67056Directions
- Hesston Branch711 E Lincoln Blvd, Hesston, KS 67062Directions
- Newton Branch626 N Main St, Newton, KS 67114Directions
- Wichita Branch4838 W Central Ave, Wichita, KS 67212Directions
Lawrence area · 3
- Lawrence Branch603 W 9th St, Lawrence, KS 66044Directions
- Lawrence Wal-Mart Branch3300 Iowa St, Lawrence, KS 66046Directions
- West Lawrence Branch711 Wakarusa Dr, Lawrence, KS 66049Directions
Great Bend area · 2
- Great Bend725 Mckinley St, Great Bend, KS 67530Directions
- Great Bend Walmart Branch3503 10th St, Great Bend, KS 67530Directions
Salina area · 2
- Salina Branch454 S Ohio St, Salina, KS 67401Directions
- Salina Walmart Branch2900 S 9th St, Salina, KS 67401Directions
Topeka area · 2
- Topeka Branch800 Se Quincy St, Topeka, KS 66612Directions
- Topeka Wal-Mart Branch1501 Sw Wanamaker Rd, Topeka, KS 66604Directions
Beloit area · 1
- Beloit Branch120 E Main St, Beloit, KS 67420Directions
Burlington area · 1
- 201 South Fourth Street Branch201 S 4th St, Burlington, KS 66839Directions
Concordia area · 1
- Concordia Branch130 E 7th St, Concordia, KS 66901Directions
Kansas City area · 1
- Gardner Wal-Mart Branch1555 E Santa Fe St, Gardner, KS 66030Directions
Hays area · 1
- Hays Branch2604 General Hays Rd, Hays, KS 67601Directions
Herington area · 1
- Herington Branch101 S Broadway, Herington, KS 67449Directions
Hillsboro area · 1
- Hillsboro Branch206 N Main St, Hillsboro, KS 67063Directions
Mankato area · 1
- Mankato Branch208 E South St, Mankato, KS 66956Directions
Marion area · 1
- Marion Branch231 E Main St, Marion, KS 66861Directions
Nebraska
1 branch
- Superior Branch411 N National Ave, Superior, NE 68978Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 11.00% | 10.49% | 11.89% or more |
| Troubled loansNoncurrent | 0.01% | 0.52% | 0.23% or less |
| ProfitabilityReturn on assets | 1.33% | 1.25% | 1.62% or more |
| LendingLoans per $100 deposited | $67 | $88 | — |
- CapitalLeverage ratio11.00%Peers’ middle 10.49% · Top 25% 11.89%+
- Troubled loansNoncurrent0.01%Peers’ middle 0.52% · Top 25% ≤0.23%
- ProfitabilityReturn on assets1.33%Peers’ middle 1.25% · Top 25% 1.62%+
- LendingLoans per $100 deposited$67Peers’ middle $88
Compared with the 897 banks with $1 billion to $10 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Central National Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.