Central National Bank Mortgage Rates, Fees & Info

Junction City, KS

LEI: 254900L3UJN7196A5W71

Tax ID: 48-1174053

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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  • SimulatedRates™
  • Mortgage Calculator

    • Mortgage Data

  • Originations
  • 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 an average proportion of FHA loans. Their top markets by origination volume include: Omaha, Kansas City, Manhattan, Topeka, and Lawrence 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 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 6.57% 12/16/24
    30 Year Conventional Refi 6.73% 12/16/24
    30 Year Cash-out Refi 6.76% 12/16/24
    30 Year FHA Purchase 7.25% 12/16/24
    30 Year FHA Refi 6.27% 12/16/24
    30 Year VA Purchase 6.37% 12/16/24
    30 Year VA Refi 6.64% 12/16/24
    15 Year Conventional Purchase 6.00% 12/16/24
    15 Year Conventional Refi 5.86% 12/16/24
    15 Year Cash-out Refi 5.86% 12/16/24
    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.

    Central National Bank Mortgage Calculator






    Your Estimates

    Estimated Loan Payment: Update the calculator values and click calculate payment!

    This is not an official calculator from Central National Bank. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

    The default purchase price is the median sales price across the US for 2022Q4, per FRED.


    Originations

    670

    Origination Dollar Volume (All Markets)

    $117,360,000

    Employee count

    292 Show all (26) awards

    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) 108 $23,050,000 $213,426 $2,046 3.84%
    KANSAS CITY, MO-KS (FHA|USDA|VA) 100 $20,510,000 $205,100 $2,229 3.84%
    Outside of Metro Areas 131 $16,625,000 $126,908 $1,774 4.06%
    MANHATTAN, KS (FHA|USDA|VA) 93 $16,365,000 $175,968 $2,256 4.12%
    TOPEKA, KS (FHA|USDA|VA) 91 $14,115,000 $155,110 $1,718 3.90%
    LAWRENCE, KS (FHA|USDA|VA) 31 $9,075,000 $292,742 $1,687 3.74%
    WICHITA, KS (FHA|USDA|VA) 43 $5,995,000 $139,419 $2,205 4.56%
    LINCOLN, NE (FHA|USDA|VA) 10 $1,890,000 $189,000 $2,299 4.10%
    SPRINGFIELD, MO (FHA|USDA|VA) 7 $985,000 $140,714 $2,735 3.82%
    Salina, KS (FHA|USDA|VA) 8 $940,000 $117,500 $2,109 3.92%
    North Platte, NE (FHA|USDA|VA) 5 $905,000 $181,000 $1,900 3.60%
    Hays, KS (FHA|USDA|VA) 5 $805,000 $161,000 $1,336 4.92%
    Ottawa, KS (FHA|USDA|VA) 4 $770,000 $192,500 $1,227 3.50%
    Norfolk, NE (FHA|USDA|VA) 3 $645,000 $215,000 $1,409 3.92%
    Kearney, NE (FHA|USDA|VA) 5 $525,000 $105,000 $1,369 3.83%
    Hastings, NE (FHA|USDA|VA) 2 $500,000 $250,000 $1,077 3.94%
    Aberdeen, SD (FHA|USDA|VA) 1 $435,000 $435,000 $2,048 3.88%
    JEFFERSON CITY, MO (FHA|USDA|VA) 2 $400,000 $200,000 $1,146 3.19%
    Great Bend, KS (FHA|USDA|VA) 3 $385,000 $128,333 $863 4.03%
    Fremont, NE (FHA|USDA|VA) 2 $380,000 $190,000 $1,231 3.81%
    Stillwater, OK (FHA|USDA|VA) 1 $265,000 $265,000 $0 5.65%
    JOPLIN, MO (FHA|USDA|VA) 2 $220,000 $110,000 $1,094 3.69%
    Dodge City, KS (FHA|USDA|VA) 1 $215,000 $215,000 $1,232 3.63%
    Moberly, MO (FHA|USDA|VA) 2 $210,000 $105,000 $2,318 3.69%
    COLUMBIA, MO (FHA|USDA|VA) 2 $210,000 $105,000 $1,308 3.13%
    Scottsbluff, NE (FHA|USDA|VA) 1 $155,000 $155,000 $1,958 3.25%
    DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) 1 $135,000 $135,000 $4,091 3.38%
    Warrensburg, MO (FHA|USDA|VA) 1 $135,000 $135,000 $1,786 3.38%
    GRAND ISLAND, NE (FHA|USDA|VA) 1 $125,000 $125,000 $1,874 4.13%
    McPherson, KS (FHA|USDA|VA) 1 $115,000 $115,000 $1,021 4.38%
    COLORADO SPRINGS, CO (FHA|USDA|VA) 1 $115,000 $115,000 $1,902 3.38%
    Branson, MO (FHA|USDA|VA) 1 $85,000 $85,000 $1,652 4.38%
    Hutchinson, KS (FHA|USDA|VA) 1 $75,000 $75,000 $2,280 3.50%
    Central National Bank's top markets include Omaha, Kansas City, Manhattan, Topeka, and Lawrence among others.

    Their top states include:
  • Kansas (FHA|USDA|VA)
  • Nebraska (FHA|USDA|VA)
  • Missouri (FHA|USDA|VA)
  • (FHA|USDA|VA)
  • South Dakota (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: 25
    KANSAS STATE UNIVERSITY Federal Credit Union
    Similarity Rank: 30
    Bank of the Flint Hills
    Similarity Rank: 72
    CoreFirst Bank & Trust
    Similarity Rank: 77
    LIBERTY FIRST
    Similarity Rank: 81
    HOME BANK AND TRUST COMPANY
    Similarity Rank: 90
    LYNDON STATE BANK
    Similarity Rank: 115
    MID AMERICAN
    Similarity Rank: 128
    Citizens Savings and Loan Association, FSB
    Similarity Rank: 141
    SKYWARD
    Similarity Rank: 148

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 525 $91,195,000 $173,705 $1,472 4.07%
    FHA 77 $12,375,000 $160,714 $3,820 3.67%
    VA 68 $13,790,000 $202,794 $3,117 3.59%

    For 2019, Central National Bank's most frequently originated type of loan was Conventional, with 525 originations. Their 2nd most popular type was FHA, with 77 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 429 $73,755,000 $171,923 $1,927 4.01%
    Refi 148 $28,720,000 $194,054 $1,768 3.94%
    Cash Out Refi 88 $14,560,000 $165,455 $2,418 3.88%
    Other 4 $290,000 $72,500 $1,161 4.13%
    Home Improvement 1 $35,000 $35,000 $0 4.95%

    For 2019, Central National Bank's most frequently cited loan purpose was Home Purchase, with 429 originations. The 2nd most popular reason was Refi, with 148 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 458 $82,150,000 $179,367 $2,085 3.90%
    15 Year 116 $15,440,000 $133,103 $1,568 3.70%
    20 Year 70 $12,080,000 $172,571 $1,579 4.46%
    Other 13 $6,385,000 $491,154 $2,241 4.95%
    10 Year 8 $840,000 $105,000 $0 5.24%
    1 Year 5 $465,000 $93,000 $0 5.82%

    For 2019, Central National Bank's most frequently cited loan duration was 30 Year, with 458 originations. The 2nd most popular length was 15 Year, with 116 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 541 $91,735,000 $169,566
    $1k-2k 37 $7,715,000 $208,514
    $2k-3k 5 $1,365,000 $273,000
    $3k-4k 2 $750,000 $375,000
    $5k+ 1 $435,000 $435,000

    Central National Bank's average total fees were $2,085, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 541 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% 437 $80,125,000 $183,352
    4-5% 185 $28,355,000 $153,270
    5-6% 39 $7,335,000 $188,077
    2.5-3% 6 $1,320,000 $220,000
    6-7% 3 $225,000 $75,000

    During 2019, Central National Bank's average interest rate for loans was 3.90%, while their most frequently originated rate bucket for loans was 3-4%, with 437 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 302 $44,470,000 $147,252 $1,741 3.88%
    $200k-400k 187 $49,765,000 $266,123 $2,590 3.85%
    $100,000 or less 160 $10,440,000 $65,250 $1,509 4.27%
    $400k-600k 18 $8,190,000 $455,000 $2,207 4.17%
    $1MM+ 2 $3,850,000 $1,925,000 $0 4.85%
    $600k-1MM 1 $645,000 $645,000 $0 4.49%

    2019 saw Central National Bank place emphasis on $100k-200k loans with 302 originations, totaling $44,470,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 160 $23,620,000 $147,625 $1,904 3.89%
    $100k-150k 150 $32,300,000 $215,333 $2,146 3.84%
    $75k-100k 128 $21,420,000 $167,344 $2,066 3.96%
    $50k or less 123 $11,945,000 $97,114 $1,673 3.94%
    $150k-250k 47 $11,515,000 $245,000 $1,932 3.97%
    $250k+ 13 $4,205,000 $323,462 $2,611 3.93%

    Central National Bank lent most frequently to those with incomes in the $50k-75k range, with 160 originations. The second most popular income band? $100k-150k, with 150 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 168 $29,240,000 $174,048 $1,763 3.84%
    30-36% 105 $18,245,000 $173,762 $1,817 3.84%
    <20% 73 $10,915,000 $149,521 $1,647 3.79%
    36% 30 $5,060,000 $168,667 $1,695 3.85%
    42% 24 $4,530,000 $188,750 $2,120 3.73%
    50-60% 20 $3,380,000 $169,000 $3,814 3.76%
    41% 19 $3,145,000 $165,526 $1,418 3.94%
    43% 19 $3,435,000 $180,789 $2,834 3.74%
    38% 18 $2,260,000 $125,556 $1,644 3.88%
    37% 18 $3,810,000 $211,667 $2,269 4.00%
    44% 17 $2,455,000 $144,412 $2,681 3.85%
    45% 16 $3,080,000 $192,500 $2,676 3.98%
    39% 16 $3,220,000 $201,250 $1,543 3.88%
    40% 13 $2,825,000 $217,308 $2,047 3.71%
    46% 12 $2,100,000 $175,000 $1,938 4.02%
    49% 11 $1,555,000 $141,364 $2,459 3.94%
    48% 9 $1,845,000 $205,000 $3,497 3.58%
    47% 5 $665,000 $133,000 $1,565 3.80%
    >60% 1 $75,000 $75,000 $0 4.00%

    Central National Bank lent most frequently to those with DTI ratios of 20-30%, with 168 originations. The next most common DTI ratio? 30-36%, with 105 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 597 $100,535,000 $168,400 $1,959 3.92%
    Not applicable 37 $10,235,000 $276,622 $0 5.18%
    Black 22 $4,690,000 $213,182 $2,213 3.68%
    American Indian 5 $685,000 $137,000 $2,003 4.22%
    Asian 4 $590,000 $147,500 $1,168 3.66%
    Not provided 3 $365,000 $121,667 $1,421 3.88%
    Japanese 1 $205,000 $205,000 $1,878 3.25%
    Other Pacific Islander 1 $55,000 $55,000 $2,225 3.50%

    Approval Rates

    Total approvals of all applications
    86.64%

    Central National Bank has an average approval rate.

    Pick Rate

    Approvals leading to origination
    88.21%

    Central National Bank has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 670 $117,360,000 $175,164

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Site-Built 14 $7,640,000 $545,714
    Single Family (1-4 Units):Site-Built 656 $109,720,000 $167,256

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 27 $2,695,000 $99,815 $1,516 3.98%
    40-60% 73 $12,495,000 $171,164 $1,587 4.05%
    60-80% 216 $39,200,000 $181,481 $1,773 4.14%
    80-100% 332 $58,440,000 $176,024 $2,032 3.88%
    Over 100% 7 $1,675,000 $239,286 $8,015 3.61%
    Under 20% 4 $770,000 $192,500 $1,189 3.62%

    Complaints

    Bank Name Product Issue 2019 CPFB Complaints % of Total Issues
    CENTERSTATE BANK CORPORATION Conventional home mortgage Trouble during payment process 1 50.0%
    CENTERSTATE BANK CORPORATION VA mortgage Applying for a mortgage or refinancing an existing mortgage 1 50.0%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    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 $4,270
    Central National Bank 101 North Main Street Halstead, KS 67056 Full Service B&M $18,302
    Central National Bank 101 South Broadway Herington, KS 67449 Full Service B&M $39,963
    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 $15,712
    Central National Bank 130 East Seventh Street Concordia, KS 66901 Full Service B&M $74,747
    Central National Bank 1403 College Avenue Manhattan, KS 66502 Full Service B&M $26,006
    Central National Bank 1501 Sw Wanamaker Road Topeka, KS 66604 Full Service B&M $2,252
    Central National Bank 1555 East Santa Fe Street Gardner, KS 66030 Full Service B&M $9,168
    Central National Bank 1801 W. Ash Street Junction City, KS 66441 Full Service B&M $8,263
    Central National Bank 1916 N. Main Street Great Bend, KS 67530 Full Service B&M $208
    Central National Bank 201 South Fourth Street Burlington, KS 66839 Full Service B&M $35,805
    Central National Bank 206 North Main Hillsboro, KS 67063 Full Service B&M $35,054
    Central National Bank 208 East South Mankato, KS 66956 Full Service B&M $26,928
    Central National Bank 231 East Main Marion, KS 66861 Full Service B&M $50,943
    Central National Bank 2604 General Hays Road, Suite B Hays, KS 67601 Full Service B&M $476
    Central National Bank 2900 South 9th Salina, KS 67402 Full Service Retail $5,439
    Central National Bank 3300 Iowa St. P.O. Box 4404 Lawrence, KS 66046 Full Service B&M $8,617
    Central National Bank 3503 10th Street Great Bend, KS 67530 Full Service B&M $3,075
    Central National Bank 411 North National Street Superior, NE 68978 Full Service B&M $58,650
    Central National Bank 454 South Ohio Salina, KS 67401 Full Service B&M $31,653
    Central National Bank 4838 West Central Wichita, KS 67212 Full Service B&M $40,560
    Central National Bank 509 Main Tipton, KS 67485 Full Service B&M $12,209
    Central National Bank 521 East Chestnut Street Junction City, KS 66441 Full Service Retail $4,766
    Central National Bank 540 West 6th Street Junction City, KS 66441 Full Service B&M $3,440
    Central National Bank 603 West 9th Street Lawrence, KS 66044 Full Service B&M $11,711
    Central National Bank 626 North Main Newton, KS 67114 Full Service B&M $24,476
    Central National Bank 711 East Lincoln Hesston, KS 67062 Full Service B&M $14,857
    Central National Bank 711 Wakarusa Lawrence, KS 66047 Full Service B&M $36,058
    Central National Bank 800 Quincy Topeka, KS 66601 Full Service B&M $27,082
    Central National Bank 800 Se Quincy Topeka, KS 66612 Full Service Cyber Office $1,919
    Central National Bank 802 North Washington Street Junction City, KS 66441 Full Service B&M $217,098
    Central National Bank P.O. Box 268 Superior, NE 68978 Limited, Administrative $0

    For 2019, Central National Bank had 34 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $38,077
    Net interest income $30,302
    Total noninterest income $18,093
    Gross Fiduciary activities income $2,851
    Service charges on deposit accounts $5,363
    Trading account gains and fees $0
    Additional Noninterest Income $9,879
    Pre-tax net operating income $10,133
    Securities gains (or losses, -) $1,242
    Income before extraordinary items $9,441
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $9,441
    Minority interest net income $0
    Net income $9,441
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $8,410

    Central National Bank's gross interest income from loans was $38,077,000.
    Central National Bank's net interest income from loans was $30,302,000.
    Central National Bank's fee based income from loans was $5,363,000.
    Central National Bank's net income from loans was $9,441,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $7,775
    Provision for credit losses $500
    Total noninterest expense $37,762
    Salaries and employee benefits $23,891
    Premises and equipment expense $4,734
    Additional noninterest expense $9,137
    Applicable income taxes $1,934
    Net charge-offs $225
    Cash dividends $11,000

    Central National Bank's interest expense for loans was $7,775,000.
    Central National Bank's payroll and benefits expense were $23,891,000.
    Central National Bank's property, plant and equipment expenses $4,734,000.

    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 $824,530
    Deposits held in domestic offices $824,530
    Deposits by Individuals, partnerships, and corporations $677,536
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $146,994
    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 $288,409
    Demand deposits $242,769
    Nontransaction accounts $536,121
    Money market deposit accounts (MMDAs) $106,183
    Other savings deposits (excluding MMDAs) $264,773
    Total time deposits $165,164
    Total time and savings deposits $581,761
    Noninterest-bearing deposits $200,291
    Interest-bearing deposits $624,239
    Retail deposits $798,142
    IRAs and Keogh plan accounts $21,318
    Brokered deposits $0
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $947,909
    Cash & Balances due from depository institutions $63,905
    Interest-bearing balances $43,393
    Total securities $283,277
    Federal funds sold & reverse repurchase $0
    Net loans and leases $534,075
    Loan and leases loss allowance $8,945
    Trading account assets $0
    Bank premises and fixed assets $13,185
    Other real estate owned $872
    Goodwill and other intangibles $9,870
    All other assets $42,725

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $947,909
    Total Liabilities $838,074
    Total deposits $824,530
    Interest-bearing deposits $624,239
    Deposits held in domestic offices $824,530
    % insured (estimated) $70
    Federal funds purchased and repurchase agreements $9,589
    Trading liabilities $0
    Other borrowed funds $494
    Subordinated debt $0
    All other liabilities $3,461

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $534,075
    Loan and leases loss allowance $8,945
    Total loans and leases (domestic) $543,020
    All real estate loans $377,168
    Real estate loans in domestic offices $377,168
    Construction and development loans $29,126
    Residential 1-4 family construction $2,481
    Other construction, all land development and other land $26,645
    Loans secured by nonfarm nonresidential properties $187,460
    Nonfarm nonresidential secured by owner-occupied properties $65,784
    Commercial real estate & other non-farm, non-residential $121,676
    Multifamily residential real estate $10,132
    1-4 family residential loans $67,137
    Farmland loans $83,313
    Loans held in foreign offices $0
    Farm loans $70,583
    Commercial and industrial loans $64,664
    To non-U.S. addressees $0
    Loans to individuals $19,227
    Credit card loans $0
    Related Plans $1,529
    Consumer Auto Loans $11,021
    Other loans to individuals $6,677
    All other loans & leases $12,494
    Loans to foreign governments and official institutions $0
    Other loans $1,005
    Loans to depository institutions and acceptances of other banks $0
    Loans not secured by real estate $494
    Loans secured by real estate to non-U.S. addressees $0
    Restructured Loans & leases $1,870
    Non 1-4 family restructured loans & leases $1,870
    Total loans and leases (foreign) $0

    Central National Bank had $534,075,000 of loans outstanding in 2019. $377,168,000 of loans were in real estate loans. $29,126,000 of loans were in development loans. $10,132,000 of loans were in multifamily mortgage loans. $67,137,000 of loans were in 1-4 family mortgage loans. $70,583,000 of loans were in farm loans. $0 of loans were in credit card loans. $11,021,000 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 250 $53,595 $214,380
    Nonfarm, nonresidential loans - <$100k 83 $3,365 $40,542
    Nonfarm, nonresidential loans - $100-250k 59 $6,561 $111,203
    Nonfarm, nonresidential loans - $250k-1MM 108 $43,669 $404,343
    Commercial & Industrial, US addressed loans - <$1MM 379 $29,974 $79,087
    Commercial & Industrial, US addressed loans - <$100k 248 $6,179 $24,915
    Commercial & Industrial, US addressed loans - $100-250k 69 $6,366 $92,261
    Commercial & Industrial, US addressed loans - $250k-1MM 62 $17,429 $281,113
    Farmland loans - <$1MM 296 $41,927 $141,645
    Farmland loans - <$100k 93 $4,090 $43,978
    Farmland loans - $100-250k 115 $14,737 $128,148
    Farmland loans - $250k-1MM 88 $23,100 $262,500
    Agriculture operations loans - <$1MM 424 $31,488 $74,264
    Agriculture operations loans - <$100k 239 $6,150 $25,732
    Agriculture operations loans - $100-250k 115 $10,924 $94,991
    Agriculture operations loans - $250k-1MM 70 $14,414 $205,914