Central National Bank Mortgage Rates, Fees & Info

Junction City, KS

LEI: 254900L3UJN7196A5W71

Tax ID: 48-1174053

5 stars - out of 5 stars, based on 31 reviews

Latest/2021 | 2020 Data | 2019 Data | 2018 Data

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Mortgage Data

  • SimulatedRates™
  • Originations
  • Relative Rates
  • Relative Fees
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Complaints
  • Similar Lenders
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Bank Data

  • Branches
  • Income
  • Loan Types
  • Deposit Mix
  • Loan Performance
  • Assets
  • Business Loans

    • Review & Overview

    Central National Bank is a smaller bank specializing in Home Purchase and Refi loans. Central National Bank has a high proportion of conventional loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) Their top markets by origination volume include: Omaha, Kansas City, Manhattan, Topeka, and Wichita among others. We have data for 33 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Central National Bank has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Central National Bank is typically a low fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

    We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

    Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

    Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.


    SimulatedRates™

    Mortgage Type     		Simulated Rate Simulation Date
    30 Year Conventional Purchase 6.39% 3/19/23
    30 Year Conventional Refi 6.43% 3/19/23
    30 Year Cash-out Refi 6.61% 3/19/23
    30 Year FHA Purchase 7.01% 3/19/23
    30 Year FHA Refi 7.19% 3/19/23
    30 Year VA Purchase 6.15% 3/19/23
    30 Year VA Refi 6.11% 3/19/23
    15 Year Conventional Purchase 5.70% 3/19/23
    15 Year Conventional Refi 5.80% 3/19/23
    15 Year Cash-out Refi 5.80% 3/19/23
    These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.


    Originations

    974

    Origination Dollar Volume (All Markets)

    $185,330,000

    Employee count

    275 Show all (20) awards

    Relative Rate

    Central National Bank's average 30 year fixed mortgage rate was 2.97%.

    The 2021 average 30 year fixed rate mortgage across all markets and lenders was 3.15%.

    This yields a difference of -0.18%.

    Relative Fees (Closing Costs)

    Central National Bank's average total fees/closing costs for a 30 year fixed rate mortgage were $2,166.

    The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including both points & up-front fees in addition to origination fees) were $4,750.

    Top Markets

    Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

    Market Originations Total Value Average Loan Average Fees Average Rate
    OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 123 $29,565,000 $240,366 $1,635 2.83%
    KANSAS CITY, MO-KS (FHA|USDA|VA) 129 $28,195,000 $218,566 $1,767 2.84%
    MANHATTAN, KS (FHA|USDA|VA) 146 $26,870,000 $184,041 $2,207 3.04%
    Outside of Metro Areas 154 $20,910,000 $135,779 $2,039 2.90%
    TOPEKA, KS (FHA|USDA|VA) 122 $20,780,000 $170,328 $2,248 2.80%
    WICHITA, KS (FHA|USDA|VA) 82 $20,690,000 $252,317 $2,038 3.18%
    LAWRENCE, KS (FHA|USDA|VA) 48 $10,410,000 $216,875 $1,559 2.91%
    Salina, KS (FHA|USDA|VA) 53 $9,095,000 $171,604 $2,034 3.37%
    North Platte, NE (FHA|USDA|VA) 15 $2,325,000 $155,000 $2,044 2.59%
    LINCOLN, NE (FHA|USDA|VA) 10 $2,100,000 $210,000 $1,748 2.94%
    Great Bend, KS (FHA|USDA|VA) 9 $1,735,000 $192,778 $1,914 2.98%
    Norfolk, NE (FHA|USDA|VA) 12 $1,730,000 $144,167 $2,131 2.68%
    Ottawa, KS (FHA|USDA|VA) 8 $1,610,000 $201,250 $1,287 2.88%
    SPRINGFIELD, MO (FHA|USDA|VA) 10 $1,130,000 $113,000 $1,760 2.79%
    Kearney, NE (FHA|USDA|VA) 6 $1,100,000 $183,333 $1,479 2.48%
    GRAND ISLAND, NE (FHA|USDA|VA) 6 $920,000 $153,333 $2,003 2.67%
    Hays, KS (FHA|USDA|VA) 7 $895,000 $127,857 $1,216 3.54%
    COLUMBIA, MO (FHA|USDA|VA) 5 $625,000 $125,000 $1,535 3.05%
    Fremont, NE (FHA|USDA|VA) 3 $615,000 $205,000 $1,452 3.04%
    ST. JOSEPH, MO-KS (FHA|USDA|VA) 1 $585,000 $585,000 $0 3.99%
    McPherson, KS (FHA|USDA|VA) 4 $510,000 $127,500 $1,877 2.72%
    Hastings, NE (FHA|USDA|VA) 3 $455,000 $151,667 $1,658 2.75%
    Moberly, MO (FHA|USDA|VA) 3 $455,000 $151,667 $1,769 2.63%
    Lexington, NE (FHA|USDA|VA) 3 $425,000 $141,667 $1,764 3.13%
    Beatrice, NE (FHA|USDA|VA) 1 $285,000 $285,000 $1,766 2.63%
    Lebanon, MO (FHA|USDA|VA) 2 $210,000 $105,000 $1,939 2.69%
    Sedalia, MO (FHA|USDA|VA) 1 $185,000 $185,000 $1,773 2.88%
    Columbus, NE (FHA|USDA|VA) 2 $180,000 $90,000 $1,925 2.88%
    JEFFERSON CITY, MO (FHA|USDA|VA) 2 $180,000 $90,000 $1,721 2.88%
    Dodge City, KS (FHA|USDA|VA) 1 $175,000 $175,000 $6,544 2.75%
    Coffeyville, KS (FHA|USDA|VA) 1 $155,000 $155,000 $1,296 2.63%
    COLORADO SPRINGS, CO (FHA|USDA|VA) 1 $125,000 $125,000 $1,344 2.25%
    JOPLIN, MO (FHA|USDA|VA) 1 $105,000 $105,000 $2,048 2.75%
    Central National Bank's top markets include Omaha, Kansas City, Manhattan, Topeka, and Wichita among others.

    Their top states include:
  • Kansas (FHA|USDA|VA)
  • Nebraska (FHA|USDA|VA)
  • Missouri (FHA|USDA|VA)
  • Iowa (FHA|USDA|VA)
  • Colorado (FHA|USDA|VA)

    • Similar Lenders

    We use machine learning to identify the top lenders compared against Central National Bank based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

    The Farmers State Bank of Westmoreland
    Similarity Rank: 42
    KANSAS STATE UNIVERSITY Federal Credit Union
    Similarity Rank: 126
    GOLDEN PLAINS
    Similarity Rank: 136
    Exchange Bank
    Similarity Rank: 216
    Members Mortgage Services, L.L.C.
    Similarity Rank: 220
    SKYWARD
    Similarity Rank: 240
    PANHANDLE FEDERAL CREDIT UNION
    Similarity Rank: 264
    Azura Credit Union
    Similarity Rank: 308
    KELLOGG MIDWEST FEDERAL CREDIT UNION
    Similarity Rank: 322
    Bank of the Flint Hills
    Similarity Rank: 351

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 878 $165,430,000 $188,417 $1,650 2.95%
    VA 51 $12,225,000 $239,706 $4,529 2.73%
    FHA 45 $7,675,000 $170,556 $4,045 2.83%

    For 2021, Central National Bank's most frequently originated type of loan was Conventional, with 878 originations. Their 2nd most popular type was VA, with 51 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 423 $87,885,000 $207,766 $1,990 3.08%
    Refi 338 $61,720,000 $182,604 $1,612 2.78%
    Cash Out Refi 201 $34,065,000 $169,478 $2,368 2.84%
    Other 7 $1,065,000 $152,143 $2,328 2.98%
    Home Improvement 5 $595,000 $119,000 $0 4.22%

    For 2021, Central National Bank's most frequently cited loan purpose was Home Purchase, with 423 originations. The 2nd most popular reason was Refi, with 338 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 502 $102,360,000 $203,904 $2,166 2.97%
    15 Year 309 $46,625,000 $150,890 $1,652 2.53%
    20 Year 136 $27,140,000 $199,559 $1,664 3.42%
    Other 14 $7,770,000 $555,000 $2,392 4.29%
    1 Year 5 $575,000 $115,000 $0 4.55%
    5 Year 5 $365,000 $73,000 $0 4.34%
    10 Year 2 $370,000 $185,000 $0 4.66%
    3 Year 1 $125,000 $125,000 $0 4.42%

    For 2021, Central National Bank's most frequently cited loan duration was 30 Year, with 502 originations. The 2nd most popular length was 15 Year, with 309 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 732 $132,030,000 $180,369
    $1k-2k 86 $17,040,000 $198,140
    $2k-3k 14 $3,260,000 $232,857
    $3k-4k 11 $3,045,000 $276,818
    $4k-5k 4 $970,000 $242,500
    $5k+ 3 $1,095,000 $365,000

    Central National Bank's average total fees were $2,166, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 732 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    2.5-3% 463 $91,575,000 $197,786
    <2.5% 247 $39,625,000 $160,425
    3-4% 200 $42,890,000 $214,450
    4-5% 60 $10,890,000 $181,500
    5-6% 4 $350,000 $87,500

    During 2021, Central National Bank's average interest rate for loans was 2.97%, while their most frequently originated rate bucket for loans was 2.5-3%, with 463 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 433 $63,635,000 $146,963 $1,845 2.90%
    $200k-400k 288 $77,150,000 $267,882 $2,133 2.87%
    $100,000 or less 207 $14,695,000 $70,990 $1,525 3.03%
    $400k-600k 36 $16,910,000 $469,722 $3,662 3.01%
    $600k-1MM 6 $4,820,000 $803,333 $0 4.12%
    $1MM+ 4 $8,120,000 $2,030,000 $0 3.97%

    2021 saw Central National Bank place emphasis on $100k-200k loans with 433 originations, totaling $63,635,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 228 $32,930,000 $144,430 $1,878 2.84%
    $75k-100k 198 $35,410,000 $178,838 $2,009 2.89%
    $100k-150k 197 $42,945,000 $217,995 $2,081 2.82%
    $50k or less 153 $16,765,000 $109,575 $1,600 2.88%
    $150k-250k 115 $30,055,000 $261,348 $2,104 2.80%
    $250k+ 13 $4,085,000 $314,231 $2,224 3.26%

    Central National Bank lent most frequently to those with incomes in the $50k-75k range, with 228 originations. The second most popular income band? $75k-100k, with 198 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 287 $51,145,000 $178,206 $1,833 2.77%
    30-36% 145 $27,585,000 $190,241 $1,900 2.81%
    <20% 128 $20,260,000 $158,281 $1,744 2.72%
    37% 37 $7,115,000 $192,297 $1,985 2.87%
    39% 29 $5,795,000 $199,828 $1,791 2.83%
    38% 29 $5,385,000 $185,690 $1,872 2.85%
    43% 26 $5,210,000 $200,385 $2,294 2.82%
    42% 24 $4,590,000 $191,250 $2,421 2.91%
    40% 21 $3,605,000 $171,667 $2,516 2.85%
    47% 20 $3,750,000 $187,500 $1,608 2.72%
    36% 20 $3,730,000 $186,500 $2,117 2.89%
    41% 19 $3,015,000 $158,684 $1,982 2.75%
    45% 17 $3,735,000 $219,706 $2,768 2.80%
    50-60% 16 $3,060,000 $191,250 $2,584 2.75%
    44% 15 $2,625,000 $175,000 $1,822 2.91%
    46% 14 $2,700,000 $192,857 $2,233 2.88%
    48% 12 $3,320,000 $276,667 $1,963 2.88%
    49% 10 $1,450,000 $145,000 $2,126 2.79%

    Central National Bank lent most frequently to those with DTI ratios of 20-30%, with 287 originations. The next most common DTI ratio? 30-36%, with 145 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 849 $149,125,000 $175,648 $1,938 2.86%
    Not applicable 52 $19,600,000 $376,923 $0 4.15%
    Black 28 $6,050,000 $216,071 $2,417 2.66%
    Asian 15 $3,685,000 $245,667 $1,626 3.27%
    Not provided 12 $2,940,000 $245,000 $2,330 2.63%
    Asian Indian 4 $1,250,000 $312,500 $1,350 3.14%
    American Indian 3 $675,000 $225,000 $2,839 3.00%
    Other Asian 3 $625,000 $208,333 $754 3.13%
    Native Hawaiian or Islander 2 $380,000 $190,000 $1,226 3.38%
    Other Pacific Islander 1 $345,000 $345,000 $870 2.88%
    Chinese 1 $245,000 $245,000 $635 2.13%
    Vietnamese 2 $170,000 $85,000 $1,276 2.81%
    Native Hawaiian 1 $145,000 $145,000 $0 4.50%
    Korean 1 $95,000 $95,000 $500 2.88%

    Approval Rates

    Total approvals of all applications
    91.01%

    Central National Bank has an average approval rate.

    Pick Rate

    Approvals leading to origination
    89.32%

    Central National Bank has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 974 $185,330,000 $190,277

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    974 $185,330,000 $190,277

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 57 $8,795,000 $154,298 $1,688 2.88%
    40-60% 173 $26,685,000 $154,249 $1,545 2.80%
    60-80% 386 $78,810,000 $204,171 $1,809 3.02%
    80-100% 330 $65,840,000 $199,515 $2,129 2.91%
    Over 100% 9 $1,975,000 $219,444 $7,377 2.68%
    Under 20% 10 $1,170,000 $117,000 $1,638 3.65%

    Complaints

    Bank Name Product Issue 2021 CPFB Complaints % of Total Issues
    Central Mortgage Funding, LLC Conventional home mortgage Applying for a mortgage or refinancing an existing mortgage 1 100.0%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Central National Bank 1555 East Santa Fe Street Gardner, KS 66030 Full Service B&M $11,230
    Central National Bank 454 South Ohio Salina, KS 67401 Full Service B&M $41,582
    Central National Bank 4838 West Central Wichita, KS 67212 Full Service B&M $44,329
    Central National Bank 521 East Chestnut Street Junction City, KS 66441 Full Service Retail $7,757
    Central National Bank 540 West 6th Street Junction City, KS 66441 Full Service B&M $6,013
    Central National Bank 603 West 9th Street Lawrence, KS 66044 Full Service B&M $16,104
    Central National Bank 626 North Main Newton, KS 67114 Full Service B&M $25,435
    Central National Bank 711 East Lincoln Hesston, KS 67062 Full Service B&M $19,085
    Central National Bank 711 Wakarusa Lawrence, KS 66047 Full Service B&M $39,964
    Central National Bank 800 Quincy Topeka, KS 66601 Full Service B&M $34,799
    Central National Bank 800 Se Quincy Topeka, KS 66612 Full Service Cyber Office $3,250
    Central National Bank 802 North Washington Street Junction City, KS 66441 Full Service B&M $260,206
    Central National Bank 100 Rimrock Junction City, KS 66441 Limited, Administrative $0
    Central National Bank 101 East Bluemont Avenue Manhattan, KS 66502 Full Service Retail $7,932
    Central National Bank 101 North Main Street Halstead, KS 67056 Full Service B&M $22,660
    Central National Bank 101 South Broadway Herington, KS 67449 Full Service B&M $47,502
    Central National Bank 1010 Lincoln Avenue Wamego, KS 66547 Full Service B&M $131
    Central National Bank 116 West 8th Street Junction City, KS 66441 Limited, Drive-thru $0
    Central National Bank 120 East Main Beloit, KS 67420 Full Service B&M $25,422
    Central National Bank 130 East Seventh Street Concordia, KS 66901 Full Service B&M $87,475
    Central National Bank 1403 College Avenue Manhattan, KS 66502 Full Service B&M $37,525
    Central National Bank 1501 Sw Wanamaker Road Topeka, KS 66604 Full Service B&M $2,636
    Central National Bank 1801 W. Ash Street Junction City, KS 66441 Full Service B&M $13,156
    Central National Bank 1916 N. Main Street Great Bend, KS 67530 Full Service B&M $7,901
    Central National Bank 201 South Fourth Street Burlington, KS 66839 Full Service B&M $39,830
    Central National Bank 206 North Main Hillsboro, KS 67063 Full Service B&M $47,191
    Central National Bank 208 East South Mankato, KS 66956 Full Service B&M $33,273
    Central National Bank 231 East Main Marion, KS 66861 Full Service B&M $68,833
    Central National Bank 2604 General Hays Rd, Ste B Hays, KS 67601 Full Service B&M $5,470
    Central National Bank 2900 South 9th Salina, KS 67402 Full Service Retail $6,896
    Central National Bank 3300 Iowa St. P.O. Box 4404 Lawrence, KS 66046 Full Service B&M $12,300
    Central National Bank 3503 10th Street Great Bend, KS 67530 Full Service B&M $3,593
    Central National Bank 411 N National Ave, Mortgage Department Superior, NE 68978 Limited, Administrative $0
    Central National Bank 411 North National Street Superior, NE 68978 Full Service B&M $76,515

    For 2021, Central National Bank had 34 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $39,217
    Net interest income $37,488
    Total noninterest income $24,357
    Gross Fiduciary activities income $3,598
    Service charges on deposit accounts $4,329
    Trading account gains and fees $0
    Additional Noninterest Income $16,430
    Pre-tax net operating income $18,917
    Securities gains (or losses, -) $7
    Income before extraordinary items $15,082
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $15,082
    Minority interest net income $0
    Net income $15,082
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $15,076

    Central National Bank's gross interest income from loans was $39,217,000.
    Central National Bank's net interest income from loans was $37,488,000.
    Central National Bank's fee based income from loans was $4,329,000.
    Central National Bank's net income from loans was $15,082,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $1,729
    Provision for credit losses $2,750
    Total noninterest expense $40,178
    Salaries and employee benefits $23,918
    Premises and equipment expense $4,771
    Additional noninterest expense $11,489
    Applicable income taxes $3,842
    Net charge-offs $2,442
    Cash dividends $8,000

    Central National Bank's interest expense for loans was $1,729,000.
    Central National Bank's payroll and benefits expense were $23,918,000.
    Central National Bank's property, plant and equipment expenses $4,771,000.

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 0.0%
    Real Estate loans 0.0%
    Construction & Land Development loans 0.0%
    Nonfarm, nonresidential loans 0.0%
    Multifamily residential loans 0.0%
    1-4 family residential loans 0.0%
    HELOC loans 0.0%
    All other family 0.0%
    Commercial & industrial loans 0.0%
    Personal loans 0.0%
    Credit card loans 0.0%
    Other individual loans 0.0%
    Auto loans 0.0%
    Other consumer loans 0.0%
    Unsecured commercial real estate loans 0.0%

    Deposits

    Type Value (in 000's)
    Total deposits $1,117,528
    Deposits held in domestic offices $1,117,528
    Deposits by Individuals, partnerships, and corporations $893,892
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $223,636
    Deposits by Commercial banks and other depository institutions in U.S. $0
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $431,254
    Demand deposits $370,137
    Nontransaction accounts $686,274
    Money market deposit accounts (MMDAs) $159,735
    Other savings deposits (excluding MMDAs) $377,918
    Total time deposits $148,620
    Total time and savings deposits $747,391
    Noninterest-bearing deposits $310,502
    Interest-bearing deposits $807,025
    Retail deposits $1,079,292
    IRAs and Keogh plan accounts $18,288
    Brokered deposits $0
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $1,266,449
    Cash & Balances due from depository institutions $99,807
    Interest-bearing balances $83,948
    Total securities $508,136
    Federal funds sold & reverse repurchase $0
    Net loans and leases $588,760
    Loan and leases loss allowance $13,171
    Trading account assets $0
    Bank premises and fixed assets $11,999
    Other real estate owned $0
    Goodwill and other intangibles $8,914
    All other assets $48,833

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $1,266,449
    Total Liabilities $1,138,544
    Total deposits $1,117,528
    Interest-bearing deposits $807,025
    Deposits held in domestic offices $1,117,528
    % insured (estimated) $63
    Federal funds purchased and repurchase agreements $19,184
    Trading liabilities $0
    Other borrowed funds $383
    Subordinated debt $0
    All other liabilities $1,449

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $588,760
    Loan and leases loss allowance $13,171
    Total loans and leases (domestic) $601,931
    All real estate loans $440,424
    Real estate loans in domestic offices $440,424
    Construction and development loans $45,349
    Residential 1-4 family construction $673
    Other construction, all land development and other land $44,676
    Loans secured by nonfarm nonresidential properties $215,039
    Nonfarm nonresidential secured by owner-occupied properties $99,185
    Commercial real estate & other non-farm, non-residential $115,854
    Multifamily residential real estate $16,198
    1-4 family residential loans $66,459
    Farmland loans $97,379
    Loans held in foreign offices $0
    Farm loans $70,380
    Commercial and industrial loans $58,570
    To non-U.S. addressees $0
    Loans to individuals $18,494
    Credit card loans $0
    Related Plans $1,400
    Consumer Auto Loans $9,805
    Other loans to individuals $7,289
    All other loans & leases $15,760
    Loans to foreign governments and official institutions $0
    Other loans $3,416
    Loans to depository institutions and acceptances of other banks $0
    Loans not secured by real estate $397
    Loans secured by real estate to non-U.S. addressees $0
    Restructured Loans & leases $2,402
    Non 1-4 family restructured loans & leases $1,153
    Total loans and leases (foreign) $0

    Central National Bank had $588,760,000 of loans outstanding in 2021. $440,424,000 of loans were in real estate loans. $45,349,000 of loans were in development loans. $16,198,000 of loans were in multifamily mortgage loans. $66,459,000 of loans were in 1-4 family mortgage loans. $70,380,000 of loans were in farm loans. $0 of loans were in credit card loans. $9,805,000 of loans were in the auto loan category.

    Small Business Loans

    Categorization # of Loans in Category $ amount of loans (in 000's) Average $/loan
    Nonfarm, nonresidential loans - <$1MM 266 $59,308 $222,962
    Nonfarm, nonresidential loans - <$100k 72 $2,683 $37,264
    Nonfarm, nonresidential loans - $100-250k 73 $8,108 $111,068
    Nonfarm, nonresidential loans - $250k-1MM 121 $48,517 $400,967
    Commercial & Industrial, US addressed loans - <$1MM 311 $23,713 $76,248
    Commercial & Industrial, US addressed loans - <$100k 200 $4,554 $22,770
    Commercial & Industrial, US addressed loans - $100-250k 63 $6,031 $95,730
    Commercial & Industrial, US addressed loans - $250k-1MM 48 $13,128 $273,500
    Farmland loans - <$1MM 261 $37,621 $144,142
    Farmland loans - <$100k 76 $3,251 $42,776
    Farmland loans - $100-250k 109 $13,524 $124,073
    Farmland loans - $250k-1MM 76 $20,846 $274,289
    Agriculture operations loans - <$1MM 375 $25,912 $69,099
    Agriculture operations loans - <$100k 203 $4,787 $23,581
    Agriculture operations loans - $100-250k 118 $10,856 $92,000
    Agriculture operations loans - $250k-1MM 54 $10,269 $190,167