The Central Trust Bank
The Central Trust Bank reported total assets of $20.3 bn at Q2 2026, up 6.5% on a year earlier, the 104th largest of 497 banks in our US coverage. The CET1 capital ratio at The Central Trust Bank was 12.69%, and the uninsured share of The Central Trust Bank was 38.43%. Source: FDIC Call Reports.
Key takeaways
- On common equity tier 1 (CET1) ratio, The Central Trust Bank slipped from 199th to 267th among 448 US banks between and (1 = highest; FDIC Call Reports).
- Since , The Central Trust Bank has taken over 13 institutions; the latest was Central Bank of Boone County on (FDIC Call Reports).
- The Central Trust Bank reports one of the lowest tier 1 leverage ratio readings among banks of $10 bn to $100 bn: 7.94% at , where the median of the 126 banks is 10.25% (FDIC Call Reports).
What sets The Central Trust Bank apart
- At 22.10%, the return on equity (ROE) of The Central Trust Bank sits in the top tenth of its size group ($10 bn to $100 bn, 126 banks), where the median is 10.71%.
How large is The Central Trust Bank?
The balance sheet of The Central Trust Bank at : assets $20.3 bn, deposits $16.4 bn, net loans $11.6 bn (loans equal to 70.41% of deposits). Securities make up 34.6% of total assets at The Central Trust Bank. Since , when The Central Trust Bank held $2.6 bn, its assets grew 673.9%. In the year to , deposits at The Central Trust Bank rose 8.9% while its total assets rose 6.5%. At , The Central Trust Bank employed 2,971 full-time equivalent staff across 177 offices, about $6.8 mn of assets per employee and $92.7 mn of deposits per office.
How much funding at The Central Trust Bank is uninsured?
At The Central Trust Bank, uninsured deposits (above the FDIC limit) made up 38.43% of domestic deposits at (+3.96 pp on a year earlier); The Central Trust Bank ranks 211th of 500 on this measure. In dollars, The Central Trust Bank estimated $6.3 bn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $16.4 bn | +8.9% | 105th of 499 |
| Net loans and leases | $11.6 bn | +3.3% | 118th of 500 |
| Loan-to-deposit ratio | 70.41% | -3.78 pp | 419th of 500 |
| Tier 1 leverage ratio | 7.94% | -0.68 pp | 475th of 500 |
| Total risk-based capital ratio | 13.89% | -0.80 pp | 265th of 448 |
| Net interest margin | 4.02% | +0.08 pp | 133rd of 500 |
| Return on assets (ROA) | 1.99% | +0.24 pp | 50th of 500 |
| Efficiency ratio | 47.47% | -4.25 pp | 107th of 500 (1 = lowest) |
| Unrealized gain/loss on held-to-maturity securities | Gain of $4,000 | Turned from a loss into a gain | |
| Unrealized gain/loss on available-for-sale securities | Loss of $113.2 mn | Widened by $10.0 mn | |
| Noncurrent loans to total loans | 0.49% | +0.07 pp | 191st of 500 (1 = lowest) |
| Net charge-offs to average loans | 0.10% | -0.03 pp | 269th of 500 (1 = lowest) |
US rank of The Central Trust Bank: 1 = highest unless marked 1 = lowest.
Balance sheet
The Central Trust Bank: assets, deposits and loans
- Total assets $20.3bn
- Deposits $16.4bn
- Net loans $11.6bn
Capital and securities
The CET1 ratio of The Central Trust Bank stood at 12.69% in , -0.77 pp year on year. Low and high at The Central Trust Bank since : 11.91% () to 15.22% (). Equity capital of The Central Trust Bank at : $1.8 bn, or 9.0% of total assets. The Central Trust Bank also reported a total capital ratio of 13.89% for , and a tier 1 leverage ratio of 7.94%.
On held-to-maturity securities, The Central Trust Bank carried an unrealized gain of $4,000 at , equal to 0.0% of equity capital. The gain turned from a loss into a gain over the year. Its deepest point: $36,000 in . The available-for-sale portfolio of The Central Trust Bank showed an unrealized loss of $113.2 mn at ; the loss widened by $10.0 mn over the year.
The Central Trust Bank: capital ratios
- Total capital 14%
- CET1 13%
- Tier 1 leverage 7.9%
The Central Trust Bank: unrealized securities gains and losses
- Available for sale -$113mn
- Held to maturity $4,000
Profitability and loan quality
For the year to , The Central Trust Bank earned a return on equity of 22.10%; return on assets: 1.99%. Net interest margin at The Central Trust Bank: 4.02%, +0.08 pp in a year. The Central Trust Bank net income: $204.1 mn, up 21.0% year on year. The efficiency ratio of The Central Trust Bank was 47.47%: about 47 cents cost per revenue dollar, against 50 cents at the median peer.
At , noncurrent loans were 0.49% of total loans at The Central Trust Bank; net charge-offs: 0.10% of average loans. Gross loans and leases at The Central Trust Bank: $11.7 bn, up 3.3% in a year.
The Central Trust Bank: profitability
- Return on equity 22%
- Net interest margin 4.0%
- Return on assets 2.0%
Peer group of The Central Trust Bank
The peer group of The Central Trust Bank is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 1 shares the charter type of The Central Trust Bank (state member bank), 6 sit in the same size group ($10 bn to $100 bn) and 1 has its head office in Missouri. Against them, The Central Trust Bank shows CET1 ratio 12.69% against a peer median of 13.04%, return on equity 22.10% against a peer median of 10.67% and uninsured deposit share 38.43% against a peer median of 35.94%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| Mechanics Bank | State nonmember bank | CA | $21.2 bn | 15.48% | 7.33% | 42.90% | |
| Citizens Business Bank | National bank | CA | $21.2 bn | 14.33% | 8.05% | 54.18% | |
| Merchants Bank of Indiana | State nonmember bank | IN | $21.2 bn | 11.76% | 13.29% | 28.97% | |
| The Central Trust Bank | State member bank | MO | $20.3 bn | 12.69% | 22.10% | 38.43% | |
| Apple Bank | State-chartered stock savings bank | NY | $19.9 bn | 11.68% | 4.83% | 21.01% | |
| Stifel Bank and Trust | State member bank | MO | $19.6 bn | 10.97% | 27.27% | 17.13% | |
| FirstBank Puerto Rico | State nonmember bank | PR | $19.2 bn | 15.96% | 18.97% | 48.20% | |
. FDIC Call Reports.
Last eight quarters
Two years at The Central Trust Bank, to : assets +9.3%, deposits +10.9%, equity +3.4%. Staff 2,925 to 2,971; offices 172 to 177.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $18.6 bn | $19.2 bn | $19.6 bn | $19.1 bn | $19.2 bn | $20.8 bn | $20.5 bn | $20.3 bn |
| Total deposits | $14.8 bn | $15.3 bn | $15.5 bn | $15.1 bn | $15.2 bn | $16.8 bn | $16.4 bn | $16.4 bn |
| Bank equity capital | $1.8 bn | $1.7 bn | $1.9 bn | $1.9 bn | $1.9 bn | $1.9 bn | $1.8 bn | $1.8 bn |
| CET1 ratio | 12.71% | 12.56% | 13.32% | 13.46% | 13.57% | 12.88% | 12.92% | 12.69% |
| Return on equity (ROE) | 17.18% | 15.89% | 19.12% | 18.50% | 18.58% | 19.28% | 21.79% | 22.10% |
| Uninsured share of domestic deposits | 36.44% | 37.25% | 35.92% | 34.47% | 35.01% | 41.29% | 38.73% | 38.43% |
| Full-time equivalent employees | 2,925 | 2,938 | 2,918 | 2,929 | 2,911 | 2,905 | 2,918 | 2,971 |
| Number of offices | 172 | 171 | 171 | 172 | 172 | 172 | 174 | 177 |
FDIC Call Reports.
Mergers and acquisitions
The FDIC history of The Central Trust Bank, oldest first; figures before and after each event are not like for like.
- . Absorbed Central Trust Company (FDIC certificate 90322).
- . Absorbed Central Bank of Oklahoma (FDIC certificate 35348).
- . Absorbed Central Bank of Lake of the Ozarks (FDIC certificate 11000).
- . Absorbed Central Bank of Moberly (FDIC certificate 15142).
- . Absorbed Central Bank of Audrain County (FDIC certificate 4551).
- . Absorbed Jefferson Bank of Missouri (FDIC certificate 19762).
- . Absorbed Central Bank of the Midwest (FDIC certificate 26247).
- . Absorbed Central Bank of Sedalia (FDIC certificate 4569).
- . Absorbed Central Bank of Branson (FDIC certificate 16924).
- . Absorbed CENTRAL BANK OF ST. LOUIS (FDIC certificate 4534).
- . Absorbed Central Bank of The Ozarks (FDIC certificate 17633).
- . Absorbed Central Bank of Warrensburg (FDIC certificate 25268).
- . Absorbed Central Bank of Boone County (FDIC certificate 4536).
Large one-quarter moves at The Central Trust Bank
- Total assets at The Central Trust Bank changed by +457.1% in the quarter to 2021-12-31: Affiliated Institution Merger (Pooling) (i.e. Corporate Reorganization; Participated in Absorbtion/Consolidation/Merger: acquired from CENTRAL BANK OF ST. LOUIS, Central Bank of Audrain County, Central Bank of Boone County, Central Bank of Branson and 9 more.
Questions and identifiers
What were the total assets of The Central Trust Bank?
The Central Trust Bank reported $20.3 bn at in its Call Report. That makes The Central Trust Bank the 104th largest of 497 banks in our US coverage.
Is The Central Trust Bank the same as its holding company?
No. This page covers The Central Trust Bank, FDIC certificate 12633; Central Bancompany, Inc., its holding company, reports separately to the Federal Reserve.
Is The Central Trust Bank profitable?
The Central Trust Bank reported net income of $204.1 mn for the year to ; annualized return on equity: 22.10%. So yes: The Central Trust Bank made a profit over these months.
When is data for The Central Trust Bank next updated?
Figures from The Central Trust Bank for are due after .
Where can I check the figures for The Central Trust Bank?
In the FDIC BankFind Suite record for certificate 12633, and in the Call Reports of The Central Trust Bank (RSSD ID 853952) at the FFIEC Central Data Repository.