Technology investments address cybersecurity threats that plague financial institutions. Nationwide, community bankers identify cybersecurity and data privacy as their top concern for 2025, with 28 percent citing it as the most pressing issue. Central National devotes substantial resources to staff training on phishing and social engineering, the most common breach vectors. “We spend so much, we devote significant resources to cybersecurity, and training is a big part of that,” Girard says. Recent implementations include digital investing capabilities, allowing customers to purchase stocks and ETFs through mobile banking, plus a new teller system designed to identify potential fraud in real time. 141 YEARS AND COUNTING As Central National celebrated its 141st anniversary in 2025, the bank’s priorities remain anchored in principles established over a century ago. “Our top priorities remain the same,” Girard says. “We’re very committed to our local communities, to our staff and their families, and we really want all of our employees and their kids and grandkids to grow up in great Kansas communities.”The bank’s headquarters in Junction City is located eight miles from Fort Riley, a military installation that generates $1.86 billion in direct economic impact annually and supports over 37,000 military personnel, families, and civilian employees. Girard articulates a management philosophy that prioritizes stability over aggressive expansion. “We’re never going to be the fastest growing bank. We’re never going to be the most profitable bank, but we will manage our risks effectively and we’ll be in business 141 years later,” she explains. The bank recognizes its role as essential infrastructure in maintaining healthy rural economies. “We take our role very seriously to be an important player in keeping those communities, whether it’s a small town or a more urban area, vibrant,” Girard notes. “And without community banks, that can’t happen.” 111 BUSINESS VIEW MAGAZINE VOLUME 12, ISSUE 12 CENTRAL NATIONAL BANK
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