CENTRAL TRUST BANK, THE

JEFFERSON CITY, MO | Regional | Est. Feb. 3, 1902, midnight | FDIC #12633 | RSSD #853952 | FED
Latest Report: 2025-12-31

CENTRAL TRUST BANK, THE is arn regional FDIC-insured commercial bank headquartered in JEFFERSON CITY, MO, established in Feb. 3, 1902, midnight. As of 2025-12-31, the bank reported total assets of $20.8B and total deposits of $16.8B. Profitability stands at 2.00% ROA and 21.05% ROE, with a net interest margin of 4.17%. The bank's CET1 capital ratio is 12.88%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.39% and a Texas Ratio of 2.42%. FDIC Certificate #12633.

Assets

$20.8B

Deposits

$16.8B

Loans

$11.5B

Equity

$1.9B

Profitability

Return on Assets (ROA) 2.00%
Return on Equity (ROE) 21.05%
Net Interest Margin (NIM) 4.17%
Yield on Assets 5.55%
Cost of Funds 1.59%

Asset Quality

NPL Ratio 0.39%
Net Charge-Off Ratio 0.12%
Texas Ratio 2.42%
NPA Ratio 0.24%
ACL / Loans 1.30%

Capital & Liquidity

CET1 Ratio 12.88%
Tier 1 Capital 12.88%
Total Capital Ratio 14.09%
Leverage Ratio 8.21%
Loan-to-Deposit 68.51%

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