Central Bank and Trust: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 2.68 percentage points higher than in Q1 2026, at 61.31%. Among 24 Wyoming banks, Central Bank and Trust sits 3rd from the top on return on assets, 2.34% as of Q2 2026. Against a median of 1.25% for banks in the $100M-1B asset tier, Central Bank and Trust reported 2.34% on return on assets in Q2 2026, 1.09 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 17.17% |
| Tier 1 risk-based capital ratio | 17.17% |
| Total risk-based capital ratio | 17.97% |
| Tier 1 leverage ratio | 8.56% |
| Equity capital to assets | 8.50% |
| Tangible equity to tangible assets | 8.50% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | 0.03% |
| Texas ratio | 0.02% |
| Allowance for credit losses to loans | 0.73% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.34% |
| Return on equity | 27.74% |
| Net interest margin | 4.65% |
| Efficiency ratio | 50.39% |
| Yield on earning assets | 5.30% |
| Cost of funds | 0.70% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 61.31% |
| Core deposits to total deposits | 97.78% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 90.02% |
| Securities to assets | 40.51% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 14.12% | 14.12% | 15.09% | 7.53% | 1.06% |
| Q4 2023 | 14.12% | 14.12% | 15.10% | 7.92% | 0.71% |
| Q1 2024 | 14.79% | 14.79% | 15.80% | 8.12% | 1.38% |
| Q2 2024 | 14.96% | 14.96% | 15.71% | 8.08% | 1.08% |
| Q3 2024 | 15.90% | 15.90% | 16.67% | 8.30% | 1.36% |
| Q4 2024 | 18.24% | 18.24% | 19.03% | 9.01% | 4.25% |
| Q1 2025 | 16.79% | 16.79% | 17.58% | 8.14% | 1.70% |
| Q2 2025 | 16.82% | 16.82% | 17.62% | 8.31% | 1.93% |
| Q3 2025 | 17.11% | 17.11% | 17.92% | 8.63% | 1.75% |
| Q4 2025 | 16.76% | 16.76% | 17.54% | 8.41% | 1.26% |
| Q1 2026 | 17.11% | 17.11% | 17.89% | 8.64% | 2.05% |
| Q2 2026 | 17.17% | 17.17% | 17.97% | 8.56% | 2.34% |
Central Bank and Trust vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Central Bank and Trust, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Central Bank and Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 529) · FFIEC NIC profile (RSSD 903950)