Advertisement
The Central Trust Bank
Jefferson City, MO · FDIC Certificate #12633 · Chartered 02/0
Total assets
$20.31B
Total deposits
$16.41B
Total equity
$1.83B
Net loans
$11.55B
Branches (offices)
164
Net income (YTD)
$204.07M
Rank: #105 of 4,213 U.S. banks by assets · #3 of 190 in Missouri. Assets changed 6.5% and deposits 8.9% over the year to June 30, 2026.
Advertisement
Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.99% |
| Return on equity | 22.10% |
| Net interest margin (YTD) | 4.02% |
| Equity to assets | 9.00% |
| Tier 1 leverage ratio | 7.94% |
| Uninsured deposits (share of deposits) | 38.4% |
| Noncurrent loans (share of loans) | 0.49% |
| Net charge-offs (share of loans) | 0.10% |
| Loans to deposits | 70.4% |
| Real estate loans (share of loans) | 81.2% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $9.38B | 81.2% | |
| Commercial & industrial | $1.20B | 10.4% | |
| Consumer / individual | $556.00M | 4.8% | |
| Construction & development | $919.22M | 8.0% | |
| Agricultural | $54.16M | 0.5% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $19.61B | $15.83B | $121.67M | $1.67B |
| Jun 2023 | $18.64B | $14.83B | $134.42M | $1.48B |
| Jun 2024 | $18.64B | $14.95B | $151.68M | $1.66B |
| Jun 2025 | $19.07B | $15.07B | $168.64M | $1.88B |
| Jun 2026 | $20.31B | $16.41B | $204.07M | $1.83B |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Missouri | $14.52B | 124 |
| Kansas | $1.09B | 21 |
| Oklahoma | $347.69M | 9 |
| Colorado | $287.54M | 6 |
| Illinois | $128.71M | 3 |
| Florida | $32.93M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $16.41B.
Similar-sized banks
Merchants Bank Of Indiana ($21.17B) · Apple Bank ($19.89B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
Advertisement