$20.5B
+4.7%y/y
Percentile by value34th percentileby value
FDIC
ASSETCT
The Central Trust Bank
Jefferson City, MissouriFDIC Cert #12633
STATEEstablished 1902174 branches
Holding company: CENTRAL BANCOMPANY INCRegulator: FED
FDIC
CERT + OFFDOMWhat's happening here
As of Q1 2026FDIC
Call ReportThe Central Trust Bank reported $20.5B in total assets. Deposits grew 6.03% over the prior year.
Return on assets was 1.96%, compared with an asset-peer median of 1.19%. The leverage ratio was 7.89%.
- Why is Return on Assets above asset peers?
- Why is Tier 1 Leverage Ratio below asset peers?
- Why is Net Loan Growth, Year over Year below asset peers?
Generated offline from verified FDIC facts for the period shown. Bank Data Insights does not rate banks, predict outcomes, or provide advice.
Latest reported quarter
Key metrics
$16.4B
+6.0%y/y
Percentile by value35th percentileby value
FDIC
DEP$11.4B
+0.5%y/y
Percentile by value25th percentileby value
FDIC
LNLSNET1.96%
+19 bpsy/y
Peer standing92nd percentile
FDIC
NETINC + ROA47.34%
−325 bpsy/y
Peer standing78th percentile
FDIC
NONIX + NIM + NONII + EEFFR7.89%
−74 bpsy/y
Peer standing13th percentile
FDIC
RBC1AAJPercentiles compare this bank with 154 banks with $10 billion or more.
FDIC
Call ReportBalance sheet trend
Assets & deposits
| Quarter | Assets | Deposits |
|---|---|---|
| Q2 2021 | $3.71B | $2.45B |
| Q3 2021 | $3.63B | $2.44B |
| Q4 2021 | $20.2B | $16.2B |
| Q1 2022 | $19.9B | $15.9B |
| Q2 2022 | $19.6B | $15.8B |
| Q3 2022 | $19.4B | $15.8B |
| Q4 2022 | $19.3B | $15.7B |
| Q1 2023 | $18.9B | $15B |
| Q2 2023 | $18.6B | $14.8B |
| Q3 2023 | $18.5B | $14.7B |
| Q4 2023 | $19B | $15.1B |
| Q1 2024 | $19B | $15.3B |
| Q2 2024 | $18.6B | $14.9B |
| Q3 2024 | $18.6B | $14.8B |
| Q4 2024 | $19.2B | $15.3B |
| Q1 2025 | $19.6B | $15.5B |
| Q2 2025 | $19.1B | $15.1B |
| Q3 2025 | $19.2B | $15.2B |
| Q4 2025 | $20.8B | $16.8B |
| Q1 2026 | $20.5B | $16.4B |
Portfolio composition
Loan mix
| Category | Balance |
|---|---|
| Owner CRE | $1.28B |
| Investor CRE | $2.38B |
| Multifamily | $873M |
| Construction | $879M |
| 1–4 family | $3.51B |
| C&I | $1.17B |
| Agriculture | $379M |
| Other | $1.09B |
Peer comparison
How this bank compares
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA1.96%92nd percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.71%Median 1.19%90th 1.78%Observations 154
ROE
FDIC
NETINC + ROE21.79%95th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 5.61%Median 10.41%90th 17.71%Observations 154
NIM
FDIC
NIM + NIMY3.96%81st percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 1.82%Median 3.47%90th 4.57%Observations 160
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR47.34%78th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 36.04%Median 55.21%90th 70.91%Observations 154
Deposits YoY
FDIC
DEP+6.03%55th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −1.59%Median +5.37%90th +32.48%Observations 160
Loans YoY
FDIC
LNLSNET+0.47%9th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th +0.55%Median +7.07%90th +38.62%Observations 159
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.45%72nd percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.17%Median 0.75%90th 1.66%Observations 159
Leverage
FDIC
RBC1AAJ7.89%13th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 7.38%Median 9.94%90th 11.94%Observations 160
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM2.43%65th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.87%Median 2.70%90th 3.93%Observations 154
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC237%70th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 4%Median 172%90th 301%Observations 154
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA1.96%79th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.68%Median 1.38%90th 2.34%Observations 198
ROE
FDIC
NETINC + ROE21.79%86th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 6.24%Median 13.82%90th 23.25%Observations 198
NIM
FDIC
NIM + NIMY3.96%47th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 3.26%Median 4.01%90th 4.90%Observations 198
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR47.34%82nd percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 43.04%Median 58.86%90th 76.72%Observations 198
Deposits YoY
FDIC
DEP+6.03%60th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −1.58%Median +4.12%90th +13.39%Observations 197
Loans YoY
FDIC
LNLSNET+0.47%18th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −0.75%Median +6.28%90th +19.25%Observations 195
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.45%47th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.00%Median 0.42%90th 2.31%Observations 195
Leverage
FDIC
RBC1AAJ7.89%5th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.24%Median 10.68%90th 14.69%Observations 198
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM2.43%53rd percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.69%Median 2.46%90th 3.44%Observations 197
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC237%77th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 33%Median 142%90th 319%Observations 108
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA1.96%100th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 1.29%Median 1.52%90th 1.87%Observations 6
ROE
FDIC
NETINC + ROE21.79%60th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 11.74%Median 18.38%90th 24.06%Observations 6
NIM
FDIC
NIM + NIMY3.96%80th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.98%Median 3.63%90th 4.11%Observations 6
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR47.34%60th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 28.66%Median 47.73%90th 60.03%Observations 6
Deposits YoY
FDIC
DEP+6.03%60th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th +3.26%Median +6.02%90th +10.34%Observations 6
Loans YoY
FDIC
LNLSNET+0.47%0th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th +1.34%Median +6.74%90th +14.68%Observations 6
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.45%40th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.09%Median 0.43%90th 0.92%Observations 6
Leverage
FDIC
RBC1AAJ7.89%40th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 7.05%Median 8.24%90th 10.55%Observations 6
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM2.43%40th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.79%Median 2.38%90th 2.85%Observations 6
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC237%100th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 47%Median 143%90th 219%Observations 6
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Branches & markets
Physical footprint
- Domestic offices
- 174 branches
- Headquarters
- Jefferson City, MO
FDIC
OFFDOMOpen the Missouri dashboard →History
Institution established
Filings
Q1 2026 Call Report
Q4 2025 Call Report
Q3 2025 Call Report
Q2 2025 Call Report
Public data, presented without a proprietary bank rating.FDIC source data