The Central Trust Bank
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Data as of · sourced from FFIEC call reports. How we update
The Central Trust Bank is an FDIC-insured commercial bank headquartered in Jefferson City, MO, established in 1902 (FDIC certificate 12633), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $20.31B, up 6.5% from Q2 2025, the 3rd largest of 191 banks headquartered in Missouri. Its CET1 capital ratio was 12.69% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 12633
- Headquarters
- Jefferson City, MO
- Established
- 1902
- Total assets, Q2 2026
- $20.31B
- Assets vs Q2 2025
- +6.5%
- CET1 ratio, Q2 2026
- 12.69%
- Domestic offices
- 177 FDIC institution directory, current count
- Routing number
- 086500634
- Holding company
- CENTRAL BANCOMPANY, INC
- Asset rank in state
- 3rd of 191 in Missouri
The Central Trust Bank is one of the more profitable banks of its size. It reported $20.3 billion in assets at June 30, 2026, up 6.5% from a year earlier. It earns about $2.01 a year on every $100 of assets, higher than about 9 in 10 of the 127 banks with $10 billion to $100 billion in assets (median $1.32). It also pays an average of 1.11% on its deposits and borrowings, lower than about 9 in 10 banks its size (median 1.92%). A wide margin does most of the work: it keeps 4.04 cents of net interest income on every dollar of earning assets.
Net income for the quarter rose 24% from a year earlier, to $103 million. Over the same year, loans grew 3.3% and deposits grew 8.9%. Where it has less room is capital: it funds 7.94% of its assets with Tier 1 capital, lower than about 9 in 10 banks its size (median 10.25%).
As of June 30, 2026, The Central Trust Bank reported a CET1 capital ratio of 12.69%, a return on assets of 2.01%, a nonperforming-loan ratio of 0.49% and a Texas ratio of 3.53%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, The Central Trust Bank is the 3rd largest of the 191 banks headquartered in Missouri. Between Q1 2026 and Q2 2026, its total assets fell 0.8% to $20.31B, loans rose 1.2% and deposits were flat. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 30.6% of total loans, ahead of non-owner-occupied commercial real estate loans at 20.4%. On its Q2 2026 call report, The Central Trust Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 238 Madison St, Jefferson City, MO 65101
- County
- Cole
- Metro Area
- Jefferson City, MO
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- Trust powers grandfathered
- Call Report form
- FFIEC 041
- Established
- February 3, 1902
- Former names
- The Central Trust Bank (1969)
- Domestic offices
- 177 FDIC institution directory, current count
- Employees (FTE)
- 2,971
- Domestic deposits
- $16.41B
- Allowance for credit losses
- $150.4M
- Net charge-offs (YTD)
- $5.9M
- Average total assets
- $20.45B
- Average total loans
- $11.61B
- Average interest-bearing deposits
- $15.52B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 12633
- Fed RSSD
- 853952
- SEC CIK
- 2065601 → filed by CENTRAL BANCOMPANY, INC
- Website
- www.centralbank.net →
- Parent Holding Company
- CENTRAL BANCOMPANY, INC (RSSD 1094314) · CBC
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Ross John Thomas | CEO | President, CEO |
| Cook Sam Bryan | CHR | Executive Chairman |
| James Ciroli | CFO | EVP & CFO |
| Hallgren Eric Andrew | CCO | EVP & Chief Credit Officer |
| Goldammer Russell Lee | CIO | EVP & CIO |
| Schoeneberg Carey Denise | CRO | SVP & Chief Risk Officer |
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
From Q3 2023 to Q2 2026, The Central Trust Bank's total assets ranged from $18.54B (Q3 2023) to $20.80B (Q4 2025), 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
$20.31B total assets against $19.07B; $18.48B total liabilities against $17.19B.
$11.55B net loans and leases against $11.18B; $16.41B total deposits against $15.07B.
$7.02B securities against $5.97B; $769.3M cash and balances due against $906.1M.
$260.4M total interest income against $245.1M; $64.3M total interest expense against $64.1M.
$196.1M net interest income against $181.0M.
$67.2M total noninterest income against $48.3M; $126.1M total noninterest expense against $122.0M.
$3.5M provision for credit losses against -$9K.
$103.0M net income against $82.9M.
2.01% return on assets against 1.71%; 4.04% net interest margin against 3.94%.
12.69% CET1 capital ratio against 13.46%; 7.94% tier 1 leverage ratio against 8.62%.
Inside the full The Central Trust Bank 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.
The Central Trust Bank rankings
Its closest position to the top of a national ranking is 103 of 4,196, for total assets; its furthest is 1,505 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.10% (Q4 2024) to 2.02% (Q4 2025) and its net interest margin ran from 3.54% (Q3 2024) to 4.10% (Q4 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.69% | 2.01% | 0.49% | 3.53% | 4.04% |
| Q1 2026 | 12.92% | 1.97% | 0.45% | 3.15% | 3.94% |
| Q4 2025 | 12.88% | 2.02% | 0.40% | 2.97% | 4.10% |
| Q3 2025 | 13.57% | 1.85% | 0.45% | 3.24% | 4.09% |
| Q2 2025 | 13.46% | 1.71% | 0.42% | 3.09% | 3.94% |
| Q1 2025 | 13.32% | 1.78% | 0.43% | 3.18% | 3.81% |
| Q4 2024 | 12.56% | 1.10% | 0.34% | 2.76% | 3.71% |
| Q3 2024 | 12.71% | 1.33% | 0.30% | 2.39% | 3.54% |
Swipe the table sideways to see every column.
Branch Network
View all 164 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 |
|---|---|---|---|
| The Central Trust Bank | Jefferson City , MO | 65101 | $2.38B |
| Central Bank of Boone County Market Branch | Columbia , MO | 65201 | $1.26B |
| Central Bank of St. Louis Market Branch | Clayton , MO | 63105 | $654.2M |
| Central Bank of the Ozarks Market Branch | Springfield , MO | 65804 | $471.3M |
| Jefferson Bank of Missouri Market Branch | Jefferson City , MO | 65109 | $410.4M |
| Des Peres Branch | Des Peres , MO | 63131 | $361.8M |
| Central Motor Branch | Jefferson City , MO | 65101 | $319.4M |
| Central Bank of Midwest Market Branch | Lees Summit , MO | 64086 | $317.6M |
| Central Bank of Lake of the Ozarks Market Branch | Osage Beach , MO | 65065 | $307.0M |
| Jefferson City Branch | Jefferson City , MO | 65101 | $280.3M |
| Central Bank of Branson Market Branch | Branson , MO | 65616 | $272.7M |
| Bank of Sedalia Market Branch | Sedalia , MO | 65301 | $264.0M |
| Camdenton Branch | Camdenton , MO | 65020 | $222.7M |
| Central Bank of Warrensburg Market Branch | Warrensburg , MO | 64093 | $217.7M |
| Central Bank of Moberly Market Branch | Moberly , MO | 65270 | $197.8M |
| College Boulevard Branch | Overland Park , KS | 66210 | $194.8M |
| Fulton Branch | Fulton , MO | 65251 | $189.1M |
| Downtown Lawrence Branch | Lawrence , KS | 66044 | $186.7M |
| Central Bank West Branch | Jefferson City , MO | 65109 | $184.2M |
| South National Facility | Springfield , MO | 65807 | $176.9M |
| Platte City Main Bank Branch | Platte City , MO | 64079 | $175.7M |
| Main Bank - Gardner Branch | Gardner , KS | 66030 | $160.4M |
| Colorado Springs Branch | Colorado Springs , CO | 80918 | $158.0M |
| Www.Centralbank.Net Branch | Columbia , MO | 65202 | $155.4M |
| Chesterfield Branch | Chesterfield , MO | 63017 | $147.7M |
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 |
|---|---|---|---|
| December 31, 2021 | Structure Change | Acquired Central Mortgage Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 1, 2021 | Structure Change | Acquired Central Bank of Oklahoma Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 1, 2021 | M&A | Acquired Central Trust Company merger for the acquired bank | SEC |
| October 1, 2021 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 16, 1999 | Structure Change | Acquired Fulton Savings Bank, FSB Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 16, 1999 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 12, 1999 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 10, 1999 | Structure Change | Acquired The Farmers and Traders Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 17, 1985 | Structure Change | Acquired The Central Lake State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 13, 1985 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 10 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 5.2% of deposits in MO, rank 6 of 249 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 10,810 applications, 7,285 loans originated, $2.09B originated, across 48 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 35 loans, $5.9M approved, $169K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- 44 complaints in the last 4 full quarters. Raw counts, not adjusted for size
- Period: 2025-Q4 to 2026-Q3. Source: CFPB consumer complaint database.
- Not on file
- Enforcement actions, 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 The Central Trust Bank
What are The Central Trust Bank's total assets?
As of the Q2 2026 filing, The Central Trust Bank reported total assets of $20.31 billion in its FFIEC call report.
Where is The Central Trust Bank headquartered?
It is headquartered in Jefferson City, MO, United States.
When was The Central Trust Bank founded?
It was established in 1902, per the FDIC institution directory.
Is The Central Trust Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #12633). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Central Trust Bank?
The Central Trust Bank's primary federal regulator is the Federal Reserve.
What is The Central Trust Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 12.69% in its Q2 2026 call report, above regulatory requirements.
How many branches does The Central Trust Bank operate?
It operates 177 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The Central Trust Bank's Texas Ratio?
Its Texas Ratio is 3.53% 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.
What was The Central Trust Bank previously called?
The charter now named The Central Trust Bank has also operated as The Central Trust Bank (1969), per FDIC structure-change records.
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