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iAdvertiser Disclosure
Advertiser Disclosure
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 Central National Bank Rates & Review August 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: August 28, 2026
Central National Bank's 12-Month CD Special rates are at 3.65%. Central National Bank's Personal Loan Rates are at 5.99%. MonitorBankRates evaluates the financial stability of Central National Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.55%. Rates last updated and verified on 08/28/2026. Central National Bank money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Central National Bank? Share your experience about Central National Bank by leaving a review below, or read customer reviews before you decide to use Central National Bank. 
Central National Bank CD Rates
Central National Bank Auto Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating: Our rating for Central National Bank is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions. Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health. Rate Data Aggregation: We gather Central National Bank rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Central National Bank's official website for the most current offers and terms.
Bank Profile & Overview
Institution Name
Central National Bank
Bank Holding Company
CENTRAL OF KANSAS INC
Address
802 N Washington St,
Junction City, KS 66441 · Geary
Website
https://www.centralnational.com
FDIC Certificate #
4702
Established
01/01/1884
FDIC Insurance Date
01/01/1934
Domestic Offices
35
Total Branches
35
Regulator
OCC
FDIC Insured
✓ Yes — Up to $250,000
Financial Health & AssetsA+
Overall Health Grade
Score: 100/100
5.0
Exceptional
Out of 5.0 Stars
0.55%
Texas Ratio
Nat'l avg: 5.85%
Return on Assets (ROA)
0.7347%
Return on Equity (ROE)
8.5200%
Non-Performing Loans (NPL)
0.04%
Total Assets
$1,411,234,000
Total Deposits
$1,239,218,000
Equity Capital
$132,183,000
Net Income
$14,760,000
Headquarters
Junction City
Total Branches and Offices
35
Source: FDIC | Last Updated 12/31/2025
Customer Reviews
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Frequently Asked Questions About Central National BankHow many branches does Central National Bank operate?Central National Bank currently maintains approximately 35 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is there a first-time homebuyer program?Currently, Central National Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, Central National Bank provides members with tools to manage their accounts and build a solid financial history. Does Central National Bank offer online and mobile banking?Most modern institutions like Central National Bank provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.centralnational.com. Current Central National Bank Rates
Retrieved from our database of financial products. Rates subject to change.
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