Central Bank and Trust
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Data as of · sourced from FFIEC call reports. How we update
Central Bank and Trust is an FDIC-insured commercial bank headquartered in Lander, WY, established in 1890 (FDIC certificate 529), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $202.5M, up 2.3% from Q2 2025, the 19th largest of 24 banks headquartered in Wyoming. Its CET1 capital ratio was 17.17% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 529
- Headquarters
- Lander, WY
- Established
- 1890
- Total assets, Q2 2026
- $202.5M
- Assets vs Q2 2025
- +2.3%
- CET1 ratio, Q2 2026
- 17.17%
- Domestic offices
- 5 FDIC institution directory, current count
- Routing number
- 102300404
- Latest call report
- Q2 2026, FFIEC 051 · Central Bank and Trust call report
- Holding company
- CENTRAL TRUST COMPANY
- Asset rank in state
- 19th of 24 in Wyoming
Central Bank and Trust is one of the more profitable banks of its size. It reported $203 million in assets at June 30, 2026, up 2.3% from a year earlier. It earns about $2.34 a year on every $100 of assets, about double the median of $1.28 for the 2,660 banks with $100 million to $1 billion in assets. It also pays an average of 0.70% on its deposits and borrowings, about a third the median of 1.80% for banks its size. Much of that comes from cost control: it spends about 50 cents to bring in each dollar of revenue.
Net income for the quarter rose 24% from a year earlier, to $1.2 million. Where it has less room is capital: it funds 8.56% of its assets with Tier 1 capital, lower than about 9 in 10 banks its size (median 10.99%).
As of June 30, 2026, Central Bank and Trust reported a CET1 capital ratio of 17.17%, a return on assets of 2.34%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.02%. The figures come from its call report filed with the FFIEC.
Central Bank and Trust ranks as the 19th largest of the 24 banks based in Wyoming, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 2.2% to $202.5M, loans rose 0.6% and deposits fell 3.8%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 42.1% of total loans, ahead of construction and land development loans at 16.4%. The FDIC Summary of Deposits lists 5 offices for it, in 5 cities in WY; its Lander office books 36% of its branch deposits. On its Q2 2026 call report, Central Bank and Trust meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 285 Main St, Lander, WY 82520
- County
- Fremont
- Metro Area
- Riverton, WY
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- San Francisco (Region 14)
- Federal Reserve member
- No
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- January 31, 1890
- Domestic offices
- 5 FDIC institution directory, current count
- Employees (FTE)
- 40
- Domestic deposits
- $182.3M
- Allowance for credit losses
- $815K
- Net charge-offs (YTD)
- $9K
- Average total assets
- $205.0M
- Average total loans
- $110.8M
- Average interest-bearing deposits
- $134.3M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 529
- Fed RSSD
- 903950
- Website
- www.centralbanktrust.com →
- Parent Holding Company
- CENTRAL TRUST COMPANY (RSSD 1020920)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Central Bank and Trust's total assets moved between a low of $192.8M (Q3 2025) and a high of $216.8M (Q3 2023) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$202.5M total assets against $198.0M; $185.3M total liabilities against $181.5M.
$111.0M net loans and leases against $107.4M; $182.3M total deposits against $174.8M.
$82.0M securities against $81.4M; $5.9M cash and balances due against $4.8M.
$2.6M total interest income against $2.3M; $328K total interest expense against $247K.
$2.3M net interest income against $2.1M.
$146K total noninterest income against $147K; $1.2M total noninterest expense against $1.3M.
$24K provision for credit losses against $0.
$1.2M net income against $965K.
2.34% return on assets against 1.93%; 4.65% net interest margin against 4.25%.
17.17% CET1 capital ratio against 16.82%; 8.56% tier 1 leverage ratio against 8.31%.
Inside the full Central Bank and Trust terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Central Bank and Trust rankings
Its closest position to the top of a national ranking is 230 of 3,611, for ROA; its furthest is 3,318 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.26% (Q4 2025) to 4.25% (Q4 2024) and its net interest margin ran from 3.71% (Q3 2024) to 4.65% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 17.17% | 2.34% | 0.00% | 0.02% | 4.65% |
| Q1 2026 | 17.11% | 2.05% | 0.00% | 1.14% | 4.44% |
| Q4 2025 | 16.76% | 1.26% | 0.00% | 1.15% | 4.53% |
| Q3 2025 | 17.11% | 1.75% | 0.02% | 1.31% | 4.26% |
| Q2 2025 | 16.82% | 1.93% | 0.02% | 1.32% | 4.25% |
| Q1 2025 | 16.79% | 1.70% | 0.02% | 1.32% | 3.95% |
| Q4 2024 | 18.24% | 4.25% | 0.21% | 1.24% | 3.84% |
| Q3 2024 | 15.90% | 1.36% | 0.20% | 1.35% | 3.71% |
Swipe the table sideways to see every column.
Branch Network
View all 5 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Central Bank and Trust (main office) | Lander , WY | 82520 | $66.2M |
| Fort Washakie Branch | Fort Washakie , WY | 82514 | $48.6M |
| Riverton Branch | Riverton , WY | 82501 | $34.5M |
| Thermopolis Branch | Thermopolis , WY | 82443 | $26.2M |
| Cheyenne Branch | Cheyenne , WY | 82001 | $6.8M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| July 11, 2009 | Structure Change | Acquired Bank of Wyoming Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| July 10, 2009 | Merger | Participated in FDIC Assisted Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.8% of deposits in WY, rank 33 of 44 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 69 applications, 60 loans originated, $17.5M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $30K approved, $30K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2011 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Central Bank and Trust
What are Central Bank and Trust's total assets?
As of the Q2 2026 filing, Central Bank and Trust reported total assets of $202.5 million in its FFIEC call report.
Where is Central Bank and Trust headquartered?
It is headquartered in Lander, WY, United States.
When was Central Bank and Trust founded?
It was established in 1890, per the FDIC institution directory.
Is Central Bank and Trust FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #529). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Central Bank and Trust?
Central Bank and Trust's primary federal regulator is the FDIC.
What is Central Bank and Trust's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 17.17% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Central Bank and Trust operate?
It operates 5 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Central Bank and Trust's Texas Ratio?
Its Texas Ratio is 0.02% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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