CENTRAL BANK AND TRUST

LANDER, WY | Small | Est. Jan. 31, 1890, midnight | FDIC #529 | RSSD #903950 | FDIC
Latest Report: 2025-12-31

CENTRAL BANK AND TRUST is asn small FDIC-insured commercial bank headquartered in LANDER, WY, established in Jan. 31, 1890, midnight. As of 2025-12-31, the bank reported total assets of $202M and total deposits of $183M. Profitability stands at 1.28% ROA and 15.07% ROE, with a net interest margin of 4.84%. The bank's CET1 capital ratio is 16.76%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 1.14%. FDIC Certificate #529.

Assets

$202M

Deposits

$183M

Loans

$109M

Equity

$17M

Profitability

Return on Assets (ROA) 1.28%
Return on Equity (ROE) 15.07%
Net Interest Margin (NIM) 4.84%
Yield on Assets 5.42%
Cost of Funds 0.59%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio 0.02%
Texas Ratio 1.14%
NPA Ratio 0.10%
ACL / Loans 0.72%

Capital & Liquidity

CET1 Ratio 16.76%
Tier 1 Capital 16.76%
Total Capital Ratio 17.54%
Leverage Ratio 8.41%
Loan-to-Deposit 59.63%

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