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 Refi and Home Purchase 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: Kansas City, Omaha, Manhattan, Topeka, and Lawrence among others. We have data for 36 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 6.57% 4/21/24
    30 Year Conventional Refi 6.73% 4/21/24
    30 Year Cash-out Refi 6.76% 4/21/24
    30 Year FHA Purchase 7.25% 4/21/24
    30 Year FHA Refi 6.27% 4/21/24
    30 Year VA Purchase 6.37% 4/21/24
    30 Year VA Refi 6.64% 4/21/24
    15 Year Conventional Purchase 6.00% 4/21/24
    15 Year Conventional Refi 5.86% 4/21/24
    15 Year Cash-out Refi 5.86% 4/21/24
    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

    1,289

    Origination Dollar Volume (All Markets)

    $245,265,000

    Employee count

    280 Show all (24) 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
    KANSAS CITY, MO-KS (FHA|USDA|VA) 209 $46,715,000 $223,517 $1,810 3.07%
    OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 179 $37,855,000 $211,480 $1,682 3.04%
    MANHATTAN, KS (FHA|USDA|VA) 205 $37,285,000 $181,878 $1,830 3.07%
    TOPEKA, KS (FHA|USDA|VA) 172 $30,650,000 $178,198 $2,075 2.93%
    Outside of Metro Areas 192 $25,290,000 $131,719 $1,778 3.12%
    LAWRENCE, KS (FHA|USDA|VA) 66 $21,150,000 $320,455 $1,694 3.09%
    WICHITA, KS (FHA|USDA|VA) 78 $13,020,000 $166,923 $1,526 3.20%
    Salina, KS (FHA|USDA|VA) 36 $5,430,000 $150,833 $1,978 3.38%
    LINCOLN, NE (FHA|USDA|VA) 21 $4,515,000 $215,000 $1,722 3.33%
    Norfolk, NE (FHA|USDA|VA) 21 $3,115,000 $148,333 $1,597 3.02%
    Ottawa, KS (FHA|USDA|VA) 10 $2,850,000 $285,000 $3,233 3.13%
    North Platte, NE (FHA|USDA|VA) 13 $1,815,000 $139,615 $1,945 3.06%
    SPRINGFIELD, MO (FHA|USDA|VA) 11 $1,805,000 $164,091 $2,387 2.88%
    GRAND ISLAND, NE (FHA|USDA|VA) 8 $1,580,000 $197,500 $2,081 3.00%
    Great Bend, KS (FHA|USDA|VA) 9 $1,445,000 $160,556 $1,824 3.11%
    Kearney, NE (FHA|USDA|VA) 6 $1,220,000 $203,333 $1,612 2.94%
    COLORADO SPRINGS, CO (FHA|USDA|VA) 2 $980,000 $490,000 $1,967 3.81%
    Moberly, MO (FHA|USDA|VA) 6 $910,000 $151,667 $2,032 3.19%
    McPherson, KS (FHA|USDA|VA) 6 $820,000 $136,667 $1,406 3.49%
    COLUMBIA, MO (FHA|USDA|VA) 4 $780,000 $195,000 $1,550 3.09%
    Hays, KS (FHA|USDA|VA) 4 $680,000 $170,000 $1,367 3.89%
    Hastings, NE (FHA|USDA|VA) 6 $630,000 $105,000 $1,317 2.83%
    Warrensburg, MO (FHA|USDA|VA) 3 $525,000 $175,000 $1,821 2.71%
    Columbus, NE (FHA|USDA|VA) 4 $510,000 $127,500 $1,553 2.72%
    Fremont, NE (FHA|USDA|VA) 4 $470,000 $117,500 $923 2.94%
    DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 1 $445,000 $445,000 $1,515 3.00%
    Aberdeen, SD (FHA|USDA|VA) 1 $435,000 $435,000 $1,953 2.63%
    JOPLIN, MO (FHA|USDA|VA) 3 $405,000 $135,000 $2,383 2.79%
    CAPE GIRARDEAU, MO-IL (FHA|USDA|VA) 2 $370,000 $185,000 $1,657 3.81%
    Lexington, NE (FHA|USDA|VA) 1 $255,000 $255,000 $2,209 3.63%
    Emporia, KS (FHA|USDA|VA) 1 $245,000 $245,000 $5,073 3.25%
    ST. JOSEPH, MO-KS (FHA|USDA|VA) 1 $235,000 $235,000 $11,167 3.25%
    ST. LOUIS, MO-IL (FHA|USDA|VA) 1 $225,000 $225,000 $475 3.13%
    Yankton, SD (FHA|USDA|VA) 1 $225,000 $225,000 $2,659 2.75%
    Dodge City, KS (FHA|USDA|VA) 1 $215,000 $215,000 $1,845 2.50%
    JEFFERSON CITY, MO (FHA|USDA|VA) 1 $165,000 $165,000 $1,536 3.25%
    Central National Bank's top markets include Kansas City, Omaha, Manhattan, Topeka, and Lawrence 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: 56
    KANSAS STATE UNIVERSITY Federal Credit Union
    Similarity Rank: 70
    GOLDEN PLAINS
    Similarity Rank: 114
    ESB Financial
    Similarity Rank: 144
    SKYWARD
    Similarity Rank: 189
    HNB National Bank
    Similarity Rank: 195
    CREIGHTON FEDERAL CREDIT UNION
    Similarity Rank: 207
    Bank of the Flint Hills
    Similarity Rank: 234
    KELLOGG MIDWEST FEDERAL CREDIT UNION
    Similarity Rank: 252
    MUTUAL FIRST
    Similarity Rank: 288

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 1,119 $212,275,000 $189,701 $1,542 3.10%
    VA 90 $18,800,000 $208,889 $3,133 2.95%
    FHA 80 $14,190,000 $177,375 $3,970 2.88%

    For 2020, Central National Bank's most frequently originated type of loan was Conventional, with 1,119 originations. Their 2nd most popular type was VA, with 90 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Refi 537 $104,185,000 $194,013 $1,633 3.01%
    Home Purchase 504 $98,580,000 $195,595 $1,704 3.11%
    Cash Out Refi 234 $40,500,000 $173,077 $2,474 3.13%
    Other 10 $1,450,000 $145,000 $2,022 3.16%
    Home Improvement 4 $550,000 $137,500 $1,616 4.41%

    For 2020, Central National Bank's most frequently cited loan purpose was Refi, with 537 originations. The 2nd most popular reason was Home Purchase, with 504 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 751 $149,765,000 $199,421 $1,923 3.08%
    15 Year 370 $57,780,000 $156,162 $1,631 2.81%
    20 Year 143 $33,835,000 $236,608 $1,803 3.51%
    Other 18 $3,530,000 $196,111 $0 4.33%
    1 Year 4 $250,000 $62,500 $0 4.94%
    10 Year 3 $105,000 $35,000 $0 4.51%

    For 2020, Central National Bank's most frequently cited loan duration was 30 Year, with 751 originations. The 2nd most popular length was 15 Year, with 370 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 1,038 $191,660,000 $184,644
    $1k-2k 110 $20,480,000 $186,182
    $2k-3k 26 $5,720,000 $220,000
    $3k-4k 9 $2,365,000 $262,778
    $4k-5k 4 $1,190,000 $297,500

    Central National Bank's average total fees were $1,923, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 1,038 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    2.5-3% 682 $127,980,000 $187,654
    3-4% 433 $84,715,000 $195,647
    <2.5% 101 $17,755,000 $175,792
    4-5% 65 $14,195,000 $218,385
    5-6% 8 $620,000 $77,500

    During 2020, Central National Bank's average interest rate for loans was 3.08%, while their most frequently originated rate bucket for loans was 2.5-3%, with 682 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 594 $89,170,000 $150,118 $1,709 3.00%
    $200k-400k 423 $109,775,000 $259,515 $2,019 3.01%
    $100,000 or less 228 $16,570,000 $72,675 $1,549 3.36%
    $400k-600k 35 $16,005,000 $457,286 $2,868 3.07%
    $1MM+ 5 $10,525,000 $2,105,000 $0 4.20%
    $600k-1MM 4 $3,220,000 $805,000 $0 4.27%

    2020 saw Central National Bank place emphasis on $100k-200k loans with 594 originations, totaling $89,170,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 342 $56,570,000 $165,409 $1,865 3.00%
    $100k-150k 278 $58,640,000 $210,935 $1,825 3.05%
    $75k-100k 253 $44,065,000 $174,170 $1,788 3.04%
    $50k or less 183 $19,915,000 $108,825 $1,645 3.11%
    $150k-250k 138 $36,090,000 $261,522 $1,946 3.02%
    $250k+ 25 $8,215,000 $328,600 $2,441 3.08%

    Central National Bank lent most frequently to those with incomes in the $50k-75k range, with 342 originations. The second most popular income band? $100k-150k, with 278 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 372 $68,090,000 $183,038 $1,679 3.00%
    30-36% 243 $43,125,000 $177,469 $1,787 3.02%
    <20% 164 $27,610,000 $168,354 $1,594 2.90%
    36% 44 $8,490,000 $192,955 $1,745 2.99%
    40% 39 $7,315,000 $187,564 $2,482 3.02%
    39% 39 $8,785,000 $225,256 $2,195 2.95%
    43% 32 $6,290,000 $196,563 $1,708 3.15%
    50-60% 29 $6,995,000 $241,207 $3,514 2.91%
    37% 29 $4,765,000 $164,310 $1,453 2.96%
    38% 29 $6,045,000 $208,448 $1,772 2.93%
    47% 26 $5,030,000 $193,462 $2,068 3.03%
    42% 25 $4,635,000 $185,400 $2,024 3.09%
    44% 23 $4,415,000 $191,957 $1,753 3.11%
    41% 22 $3,780,000 $171,818 $1,466 3.06%
    45% 21 $4,485,000 $213,571 $2,418 2.94%
    46% 18 $3,910,000 $217,222 $2,789 2.97%
    49% 15 $2,685,000 $179,000 $2,080 2.97%
    48% 12 $2,140,000 $178,333 $1,710 2.98%

    Central National Bank lent most frequently to those with DTI ratios of 20-30%, with 372 originations. The next most common DTI ratio? 30-36%, with 243 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 1,179 $211,715,000 $179,572 $1,818 3.05%
    Not applicable 31 $15,255,000 $492,097 $0 4.21%
    Black 42 $9,440,000 $224,762 $1,817 2.95%
    Asian 11 $3,345,000 $304,091 $1,943 3.01%
    Not provided 8 $1,840,000 $230,000 $1,671 2.88%
    American Indian 4 $990,000 $247,500 $6,060 3.16%
    Asian Indian 3 $785,000 $261,667 $1,188 2.71%
    Other Asian 3 $715,000 $238,333 $1,304 3.38%
    Native Hawaiian or Islander 3 $395,000 $131,667 $3,717 4.04%
    Vietnamese 1 $215,000 $215,000 $1,182 2.75%
    Chinese 1 $195,000 $195,000 $0 2.75%
    Filipino 1 $165,000 $165,000 $475 3.00%
    Native Hawaiian 1 $155,000 $155,000 $0 3.00%
    Korean 1 $55,000 $55,000 $1,395 3.13%

    Approval Rates

    Total approvals of all applications
    92.69%

    Central National Bank has an average approval rate.

    Pick Rate

    Approvals leading to origination
    87.66%

    Central National Bank has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 1,289 $245,265,000 $190,275

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Manufactured 1 $935,000 $935,000
    Multifamily:Site-Built 18 $14,340,000 $796,667
    Single Family (1-4 Units):Site-Built 1,270 $229,990,000 $181,094

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 45 $6,095,000 $135,444 $1,595 3.14%
    40-60% 197 $34,725,000 $176,269 $1,589 3.07%
    60-80% 541 $103,725,000 $191,728 $1,749 3.13%
    80-100% 462 $90,820,000 $196,580 $1,908 3.01%
    Over 100% 11 $2,685,000 $244,091 $6,431 2.94%
    Under 20% 5 $1,895,000 $379,000 $1,360 3.82%

    Complaints

    Bank Name Product Issue 2020 CPFB Complaints % of Total Issues
    CENTERSTATE BANK CORPORATION Conventional home mortgage Applying for a mortgage or refinancing an existing mortgage 1 25.0%
    CENTERSTATE BANK CORPORATION Conventional home mortgage Trouble during payment process 2 50.0%
    CENTERSTATE BANK CORPORATION FHA mortgage Applying for a mortgage or refinancing an existing mortgage 1 25.0%

    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 $5,934
    Central National Bank 101 North Main Street Halstead, KS 67056 Full Service B&M $21,313
    Central National Bank 101 South Broadway Herington, KS 67449 Full Service B&M $44,329
    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 $22,821
    Central National Bank 130 East Seventh Street Concordia, KS 66901 Full Service B&M $76,964
    Central National Bank 1403 College Avenue Manhattan, KS 66502 Full Service B&M $33,659
    Central National Bank 1501 Sw Wanamaker Road Topeka, KS 66604 Full Service B&M $2,571
    Central National Bank 1555 East Santa Fe Street Gardner, KS 66030 Full Service B&M $10,184
    Central National Bank 1801 W. Ash Street Junction City, KS 66441 Full Service B&M $8,750
    Central National Bank 1916 N. Main Street Great Bend, KS 67530 Full Service B&M $3,786
    Central National Bank 201 South Fourth Street Burlington, KS 66839 Full Service B&M $40,721
    Central National Bank 206 North Main Hillsboro, KS 67063 Full Service B&M $45,365
    Central National Bank 208 East South Mankato, KS 66956 Full Service B&M $30,193
    Central National Bank 231 East Main Marion, KS 66861 Full Service B&M $66,044
    Central National Bank 2604 General Hays Rd, Ste B Hays, KS 67601 Full Service B&M $3,701
    Central National Bank 2900 South 9th Salina, KS 67402 Full Service Retail $6,369
    Central National Bank 3300 Iowa St. P.O. Box 4404 Lawrence, KS 66046 Full Service B&M $11,155
    Central National Bank 3503 10th Street Great Bend, KS 67530 Full Service B&M $2,842
    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 $84,353
    Central National Bank 454 South Ohio Salina, KS 67401 Full Service B&M $38,079
    Central National Bank 4838 West Central Wichita, KS 67212 Full Service B&M $50,903
    Central National Bank 521 East Chestnut Street Junction City, KS 66441 Full Service Retail $6,348
    Central National Bank 540 West 6th Street Junction City, KS 66441 Full Service B&M $5,164
    Central National Bank 603 West 9th Street Lawrence, KS 66044 Full Service B&M $14,005
    Central National Bank 626 North Main Newton, KS 67114 Full Service B&M $25,134
    Central National Bank 711 East Lincoln Hesston, KS 67062 Full Service B&M $15,807
    Central National Bank 711 Wakarusa Lawrence, KS 66047 Full Service B&M $35,792
    Central National Bank 800 Quincy Topeka, KS 66601 Full Service B&M $31,616
    Central National Bank 800 Se Quincy Topeka, KS 66612 Full Service Cyber Office $2,434
    Central National Bank 802 North Washington Street Junction City, KS 66441 Full Service B&M $202,025

    For 2020, Central National Bank had 33 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $38,114
    Net interest income $34,310
    Total noninterest income $29,827
    Gross Fiduciary activities income $3,088
    Service charges on deposit accounts $4,452
    Trading account gains and fees $0
    Additional Noninterest Income $22,287
    Pre-tax net operating income $14,884
    Securities gains (or losses, -) $997
    Income before extraordinary items $13,228
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $13,228
    Minority interest net income $0
    Net income $13,228
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $12,400

    Central National Bank's gross interest income from loans was $38,114,000.
    Central National Bank's net interest income from loans was $34,310,000.
    Central National Bank's fee based income from loans was $4,452,000.
    Central National Bank's net income from loans was $13,228,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $3,804
    Provision for credit losses $8,150
    Total noninterest expense $41,103
    Salaries and employee benefits $23,816
    Premises and equipment expense $4,433
    Additional noninterest expense $12,854
    Applicable income taxes $2,653
    Net charge-offs $4,236
    Cash dividends $3,000

    Central National Bank's interest expense for loans was $3,804,000.
    Central National Bank's payroll and benefits expense were $23,816,000.
    Central National Bank's property, plant and equipment expenses $4,433,000.

    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 $1,005,332
    Deposits held in domestic offices $1,005,332
    Deposits by Individuals, partnerships, and corporations $811,120
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $194,212
    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 $395,752
    Demand deposits $335,635
    Nontransaction accounts $609,580
    Money market deposit accounts (MMDAs) $146,322
    Other savings deposits (excluding MMDAs) $319,053
    Total time deposits $144,206
    Total time and savings deposits $669,697
    Noninterest-bearing deposits $282,567
    Interest-bearing deposits $722,765
    Retail deposits $983,736
    IRAs and Keogh plan accounts $18,819
    Brokered deposits $0
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $1,145,841
    Cash & Balances due from depository institutions $146,643
    Interest-bearing balances $125,913
    Total securities $307,872
    Federal funds sold & reverse repurchase $0
    Net loans and leases $624,841
    Loan and leases loss allowance $12,861
    Trading account assets $0
    Bank premises and fixed assets $12,525
    Other real estate owned $465
    Goodwill and other intangibles $7,492
    All other assets $46,003

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $1,145,841
    Total Liabilities $1,021,045
    Total deposits $1,005,332
    Interest-bearing deposits $722,765
    Deposits held in domestic offices $1,005,332
    % insured (estimated) $65
    Federal funds purchased and repurchase agreements $11,118
    Trading liabilities $0
    Other borrowed funds $440
    Subordinated debt $0
    All other liabilities $4,155

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $624,841
    Loan and leases loss allowance $12,861
    Total loans and leases (domestic) $637,702
    All real estate loans $430,804
    Real estate loans in domestic offices $430,804
    Construction and development loans $32,136
    Residential 1-4 family construction $703
    Other construction, all land development and other land $31,433
    Loans secured by nonfarm nonresidential properties $212,154
    Nonfarm nonresidential secured by owner-occupied properties $69,155
    Commercial real estate & other non-farm, non-residential $142,999
    Multifamily residential real estate $12,106
    1-4 family residential loans $86,751
    Farmland loans $87,657
    Loans held in foreign offices $0
    Farm loans $63,523
    Commercial and industrial loans $100,412
    To non-U.S. addressees $0
    Loans to individuals $19,719
    Credit card loans $0
    Related Plans $1,459
    Consumer Auto Loans $11,268
    Other loans to individuals $6,992
    All other loans & leases $25,736
    Loans to foreign governments and official institutions $0
    Other loans $7,975
    Loans to depository institutions and acceptances of other banks $0
    Loans not secured by real estate $470
    Loans secured by real estate to non-U.S. addressees $0
    Restructured Loans & leases $1,902
    Non 1-4 family restructured loans & leases $1,902
    Total loans and leases (foreign) $0

    Central National Bank had $624,841,000 of loans outstanding in 2020. $430,804,000 of loans were in real estate loans. $32,136,000 of loans were in development loans. $12,106,000 of loans were in multifamily mortgage loans. $86,751,000 of loans were in 1-4 family mortgage loans. $63,523,000 of loans were in farm loans. $0 of loans were in credit card loans. $11,268,000 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 248 $55,500 $223,790
    Nonfarm, nonresidential loans - <$100k 80 $3,307 $41,338
    Nonfarm, nonresidential loans - $100-250k 52 $5,376 $103,385
    Nonfarm, nonresidential loans - $250k-1MM 116 $46,817 $403,595
    Commercial & Industrial, US addressed loans - <$1MM 751 $48,285 $64,294
    Commercial & Industrial, US addressed loans - <$100k 569 $13,895 $24,420
    Commercial & Industrial, US addressed loans - $100-250k 110 $12,624 $114,764
    Commercial & Industrial, US addressed loans - $250k-1MM 72 $21,766 $302,306
    Farmland loans - <$1MM 295 $40,425 $137,034
    Farmland loans - <$100k 88 $3,668 $41,682
    Farmland loans - $100-250k 123 $15,987 $129,976
    Farmland loans - $250k-1MM 84 $20,770 $247,262
    Agriculture operations loans - <$1MM 402 $25,676 $63,871
    Agriculture operations loans - <$100k 229 $5,856 $25,572
    Agriculture operations loans - $100-250k 118 $9,755 $82,669
    Agriculture operations loans - $250k-1MM 55 $10,065 $183,000