Bank call report · Jefferson City, MO
The Central Trust Bank Call Report
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The Central Trust Bank filed its latest call report for the quarter ended June 30, 2026 on the FFIEC 041. Below are its 675 reported line items, schedule by schedule (873 items filed as zero are left out). The official PDF is on the FFIEC Central Data Repository.
| Call report form | FFIEC 041 |
|---|---|
| Latest quarter filed | Q2 2026 (June 30, 2026) |
| Federal Reserve RSSD ID | 853952 |
| FDIC certificate number | 12633 |
| Total assets | $20.31B |
Official Q2 2026 call report PDF (FFIEC) →
The Central Trust Bank call report by schedule, Q2 2026
Dollar amounts are as filed, in the units the form uses. Each line item links to its definition; each schedule links to the full schedule reference for the FFIEC 041.
Schedule RC: Balance Sheet (32 items)
About Schedule RC · The Central Trust Bank balance sheet trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Assets | RCON2170 | $20.31B |
| Total Liabilities, Limited-life Preferred Stock, and Equity Capital | RCON3300 | $20.31B |
| Total Liabilities and Minority Interest | RCON2948 | $18.48B |
| Total Deposits | RCON2200 | $16.41B |
| Loans and Leases, Net of Unearned Income - Totals | RCONB528 | $11.67B |
| Loans and Leases, Net of Unearned Income and Allowance | RCONB529 | $11.52B |
| Total Interest-bearing Deposits in Foreign and Domestic Offices | RCON6636 | $10.66B |
| Available-for-sale debt securities (from Schedule RC-B, column D) | RCON1773 | $7.01B |
| Deposits: Noninterest-bearing | RCON6631 | $5.74B |
| Total Equity Capital | RCON3210 | $1.83B |
| Total Equity Capital Including Noncontrolling Minority Interests in Consolidated Subsidiaries | RCONG105 | $1.83B |
| Undivided Profits and Capital Reserves | RCON3632 | $1.05B |
| Other Borrowed Money | RCON3190 | $1.01B |
| Surplus | RCON3839 | $864.6M |
| Securities Sold Under Agreements to Repurchase | RCONB995 | $834.4M |
| Interest-bearing Balances | RCON0071 | $524.1M |
| Intangible Assets | RCON2143 | $380.0M |
| Other Assets | RCON2160 | $363.1M |
| Goodwill | RCON3163 | $348.2M |
| Noninterest-bearing Balances and Currency and Coin | RCON0081 | $244.4M |
| Premises and Fixed Assets (Including Capitalized Leases) | RCON2145 | $219.2M |
| Other Liabilities, Total | RCON2930 | $151.4M |
| Allowance for Loan and Lease Losses | RCON3123 | $150.4M |
| Accumulated Other Comprehensive Income | RCONB530 | -$86.2M |
| Federal Funds Purchased in Domestic Offices | RCONB993 | $78.8M |
| Loans and Leases Held for Sale | RCON5369 | $27.8M |
| Equity securities with readily determinable fair values not held for trading | RCONJA22 | $6.8M |
| Common Stock | RCON3230 | $4.0M |
| Other Real Estate Owned | RCON2150 | $1.7M |
| Held-to-maturity Securities, Total | RCON1754 | $1.5M |
| Held to maturity securities (ASU 2016-13 adoption) | RCONJJ34 | $1.5M |
| Federal Funds Sold | RCONB987 | $896K |
Schedule RI: Income Statement (59 items)
About Schedule RI · The Central Trust Bank income statement trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Interest Income | RIAD4107 | $518.5M |
| Net Interest Income | RIAD4074 | $388.5M |
| Interest and Fee Income on Loans, Total | RIAD4010 | $356.0M |
| Income (Loss) Before Applicable Income Taxes and Discontinued Operations | RIAD4301 | $265.1M |
| Income (loss) before change in net unrealized holding gains (losses) on equity securities not held for trading, applicable income taxes, and discontinued operations operations (item 3 plus or minus items 4, 5.m, 6.a, 6.b, and 7.e) | RIADHT69 | $256.7M |
| Total Noninterest Expense | RIAD4093 | $248.1M |
| Income (Loss) Before Discontinued Operations | RIAD4300 | $204.1M |
| Net Income (Loss) | RIAD4340 | $204.1M |
| Net Income (Loss) Attributable to Bank and Noncontrolling Minority Interests | RIADG104 | $204.1M |
| Interest and Fee Income on All Other Loans Secured by Real Estate | RIAD4436 | $169.2M |
| Salaries and Employee Benefits | RIAD4135 | $151.5M |
| Total Noninterest Income | RIAD4079 | $130.7M |
| Total Interest Expense | RIAD4073 | $130.0M |
| Interest and Fee Income on Loans Secured by 1-4 Family Residential Properties | RIAD4435 | $104.5M |
| Interest and Dividend Income on Securities: Mortgage-backed Securities | RIADB489 | $95.5M |
| Other Noninterest Expense | RIAD4092 | $71.5M |
| Savings Deposits (Including Mmdas) | RIAD0093 | $67.9M |
| Applicable Income Taxes | RIAD4302 | $61.0M |
| Interest and Fee Income on Commercial and Industrial Loans | RIAD4012 | $40.2M |
| Other Noninterest Income | RIADB497 | $40.1M |
| Service Charges on Deposit Accounts in Domestic Offices | RIAD4080 | $26.6M |
| Interest and Dividend Income on Securities: U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RIADB488 | $24.7M |
| Expenses of Premises and Fixed Assets | RIAD4217 | $23.5M |
| Interest Income on Balances Due from Depository Institutions | RIAD4115 | $21.0M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADB486 | $20.2M |
| Interest on Other Securities | RIAD4060 | $20.1M |
| Interest on Trading Liabilities and Other Borrowed Money | RIAD4185 | $18.5M |
| Interest and Fee Income on All Other Loans in Domestic Offices | RIAD4058 | $15.1M |
| Net Gains (Losses) on Sales of Loans | RIAD5416 | $14.3M |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of 250000 or Less | RIADHK03 | $13.9M |
| Fees and Commissions from Securities Brokerage | RIADC886 | $12.8M |
| Service Charges on Deposits in Domestic Office Overdraft Related for Individuals | RIADH032 | $11.6M |
| Expense of Federal Funds Purchased and Securities Sold Under Agreements to Repurchase | RIAD4180 | $11.5M |
| Income from the Sale and Servicing of Mutual Funds and Annuities (in Domestic Offices) | RIAD8431 | $9.7M |
| Interest on Transaction Accounts (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) | RIAD4508 | $9.6M |
| Service Charges on Deposits in Domestic Office All Other | RIADH035 | $9.5M |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of More Than 250000 | RIADHK04 | $8.6M |
| Unrealized holding gains (losses) on equity securities not held for trading | RIADHT70 | $8.4M |
| Realized Gains (Losses) on Available-for-sale Debt Securities | RIAD3196 | -$7.8M |
| Loans to Individuals for Households, Family, and Other Personal Expenditures: Credit Cards | RIADB485 | $6.7M |
| Provisions for Credit Losses on Financial Assets | RIADJJ33 | $6.7M |
| Provision for Loan and Lease Losses | RIAD4230 | $6.7M |
| Estimated Income on Tax-exempt Loans and Leases to States and Political Subdivisions in the U.S. | RIAD4313 | $6.4M |
| Service Charges on Deposits in Domestic Office Maintenance for Individuals | RIADH033 | $4.6M |
| Net Servicing Fees | RIADB492 | $2.6M |
| Investment Banking, Advisory, and Underwriting Fees and Commissions | RIADC888 | $2.1M |
| Interest and Fee Income on Loans to Finance Agricultural Production and Other Loans to Farmers in Domestic Offices | RIAD4024 | $1.9M |
| Net Gains (Losses) on Sales of Other Assets (Excluding Securities) | RIADB496 | $1.7M |
| Amortization Expense and Impairment Losses Intangible Assets | RIADC232 | $1.6M |
| Other Interest Income | RIAD4518 | $1.3M |
| Fees and Commissions from Annuity Sales | RIADC887 | $1.2M |
| Service Charges on Deposits in Domestic Office Atm-related for Individuals | RIADH034 | $824K |
| Interest Expense Incurred to Carry Tax-exempt Securities, Loans, and Leases Acquired After August 7, 1986, That Is Not Deductible for Federal Income Tax Purposes | RIAD4513 | $71K |
| Interest and Dividend Income on Tax-exempt Securities Issued by States and Political Subdivisions in the U.S. | RIAD4507 | $71K |
| Interest Income on Federal Funds Sold and Securities Purchased Under Agreements to Resell | RIAD4020 | $40K |
| Net Gains (Losses) on Other Real Estate Owned | RIAD5415 | $22K |
| Income from Other Insurance and Reinsurance Activities | RIADC387 | $19K |
| Trading Revenue | RIADA220 | $3K |
| Number of Full Time Equivalent Employees on Payroll at End of Current Period | RIAD4150 | 2,971 |
Schedule RC-A: Cash and Balances Due from Depository Institutions (5 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Cash and Balances Due from Depository Institutions | RCON0010 | $768.4M |
| Balances Due from Federal Reserve Banks | RCON0090 | $523.7M |
| Cash Items in Process of Collection and Unposted Debits | RCON0020 | $175.2M |
| Currency and Coin | RCON0080 | $64.4M |
| Balances Due from Depository Institutions in the U.S. | RCON0082 | $5.1M |
Schedule RC-B: Securities (48 items)
About Schedule RC-B · The Central Trust Bank securities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Guaranteed by GNMA: Available-for-sale Amortized Cost | RCONG302 | $166.8M |
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Guaranteed by GNMA: Available-for-sale Fair Value | RCONG303 | $165.3M |
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Issued by FNMA and FHLMC: Available-for-sale Amortized Cost | RCONG306 | $1.16B |
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Issued by FNMA and FHLMC: Available-for-sale Fair Value | RCONG307 | $1.14B |
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Issued by FNMA and FHLMC: Held-to-maturity Amortized Cost | RCONG304 | $19K |
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Issued by FNMA and FHLMC: Held-to-maturity Fair Value | RCONG305 | $20K |
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Available-for-sale Amortized Cost | RCONG314 | $1.39B |
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Available-for-sale Fair Value | RCONG315 | $1.31B |
| Structured Financial Products by Underlying Collateral or Reference Assets: Other Collateral or Reference Assets - Available-for-sale Amortized Cost | RCONG374 | $894.0M |
| Structured Financial Products by Underlying Collateral or Reference Assets: Other Collateral or Reference Assets - Available-for-sale Fair Value | RCONG375 | $891.4M |
| Total Amortized Cost of Available-for-sale Securities | RCON1772 | $7.13B |
| Pledged Securities | RCON0416 | $3.38B |
| Mortgage-backed Securities (Mbs):commercial MBS: Commercial Mortgage Pass-through Securities:issued or Guaranteed by Fnma,fhlmc or GNMA: Available-for-sale Amortized Cost | RCONK144 | $2.19B |
| Mortgage-backed Securities (Mbs):commercial MBS: Commercial Mortgage Pass-through Securities:issued or Guaranteed by Fnma,fhlmc or GNMA: Available-for-sale Fair Value | RCONK145 | $2.18B |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONA551 | $1.74B |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Years Through Five Years | RCONA552 | $1.59B |
| Amortized Cost of Available-for-sale U.S. Treasury Securities | RCON1286 | $1.21B |
| Fair Value of Available-for-sale U.S. Treasury Securities | RCON1287 | $1.20B |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through 15 Years | RCONA559 | $1.11B |
| Asset-backed securities and structured financial products, Structured financial products, Available for sale, Amortized Cost | RCONHT60 | $894.0M |
| Structured financial products guaranteed by U.S. Government agencies or sponsored agencies included in Schedule HC-B, item 5.b -- Available-for-sale: Amortized Cost | RCONPV00 | $894.0M |
| Asset-backed securities and structured financial products, Structured financial products, Available for sale, Fair Value | RCONHT61 | $891.4M |
| Guaranteed by U.S. Government Agencies or Sponsored Agencies Included in Schedule Rc-b, Item 5.B - Available-for-sale, Fair Value | RCONPV01 | $891.4M |
| OTHER MORTGAGE-BACKED SECURITIES (INCLUDE CMOs, REMICs, AND STRIPPED MBS) WITH AN EXPECTED AVERAGE LIFE OF OVER THREE YEARS | RCONA562 | $859.1M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Three Months of Less | RCONA549 | $776.9M |
| OTHER MORTGAGE-BACKED SECURITIES (INCLUDE CMOs, REMICs, AND STRIPPED MBS) WITH AN EXPECTED AVERAGE LIFE OF THREE YEARS OR LESS | RCONA561 | $454.8M |
| Fixed Rate and Floating Rate Debt Securities with a Remaining Maturity of One Year or Less | RCONA248 | $336.2M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONA550 | $249.8M |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Amortized Cost | RCONHT52 | $104.3M |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Fair Value | RCONHT53 | $104.0M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over 15 Years | RCONA560 | $82.6M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONA557 | $43.5M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through Fifteen Years | RCONA553 | $38.9M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Years Through Five Years | RCONA558 | $34.8M |
| Fair Value of Structured Notes | RCON8783 | $26.1M |
| Amortized Cost of Structured Notes | RCON8782 | $26.0M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONA556 | $23.1M |
| Amortized Cost of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8498 | $14.3M |
| Fair Value of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8499 | $14.3M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONA555 | $9.3M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing of Over Ffteen Years | RCONA554 | $6.1M |
| Amortized Cost of Available-for-sale Asset-backed Securities: Other Consumer Loans | RCONB852 | $3.4M |
| Asset-backed Securities: Available-for-sale Amortized Cost | RCONC989 | $3.4M |
| Fair Value of Available-for-sale Asset-backed Securities: Other Consumer Loans | RCONB853 | $3.3M |
| Total (Asset-backed Securities) Fair Value - Available-for-sale | RCONC027 | $3.3M |
| Total Fair Value of Held-to-maturity Securities | RCON1771 | $1.5M |
| Fair Value of Held-to-maturity Securities Issued by States and Political Subdivisions in the U.S. | RCON8497 | $1.5M |
| Amortized Cost of Held-to-maturity Securities Issued by States and Political Subdivisions in the U.S. | RCON8496 | $1.5M |
Schedule RC-C, Part I: Loans and Leases (53 items)
About Schedule RC-C, Part I · The Central Trust Bank loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Leases, Net of Unearned Income | RCON2122 | $11.70B |
| Pledged Loans and Leases | RCONG378 | $6.22B |
| Fixed Rate and Floating Rate Loans and Leases with a Remaining Maturity of One Year or Less | RCONA247 | $3.15B |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by First Liens | RCON5367 | $3.04B |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA570 | $2.99B |
| Adjustable Rate Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties | RCON5370 | $2.43B |
| Loans Secured by Other Nonfarm Nonresidential Properties. | RCONF161 | $2.39B |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA572 | $2.34B |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA571 | $1.47B |
| Loans Secured by Owner Occupied Nonfarm Nonresidential Properties | RCONF160 | $1.30B |
| Commercial and Industrial Loans | RCON1766 | $1.20B |
| Commercial and Industrial Loans to U.S. Addressees | RCON1763 | $1.20B |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA573 | $1.20B |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA567 | $966.7M |
| Real Estate Loans Secured by Multi-family (5 or More) Residential Properties | RCON1460 | $856.5M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA566 | $668.7M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA574 | $580.0M |
| Loans Secured by Other Construction Loans and All Land Development and Other Land Loans | RCONF159 | $568.1M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years | RCONA569 | $450.4M |
| Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit | RCON1797 | $433.1M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA568 | $408.6M |
| Loans Secured by 1-4 Family Residential Construction | RCONF158 | $351.1M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA565 | $336.3M |
| Real Estate Loans Secured by Farmland | RCON1420 | $336.0M |
| Obligations (Other Than Securities and Leases) of States and Political Subdivisions in the U.S. | RCON2107 | $291.6M |
| Other Consumer Loans to Individuals for Household, Family, and Other Personal Expenditures (Includes Single Payment, Installment, and All Student Loans) | RCONK207 | $222.2M |
| Automobile Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper) | RCONK137 | $209.8M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA564 | $185.2M |
| Other Loans | RCONJ464 | $133.9M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by Junior Liens | RCON5368 | $113.2M |
| Loans to Nondepository Financial Institutions and Other Loans: Other Loans: All Other Loans (Exclude Consumer Loans) | RCONJ451 | $100.8M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper): Credit Cards | RCONB538 | $98.5M |
| Loans to Finance Commercial Real Estate, Construction, and Land Development Activities Included in Items 1766, 1563 for (Fr Y-9C), in Items 1766, 1563 for (FFIEC 031), in Items 1766, 1564 for (FFIEC 032 and 033), and in Items 1766, 2080 for (FFIEC 034) | RCON2746 | $90.2M |
| Loans to Nondepository Financial Institutions and Other Loans: Loans to Nondepository Financial Institutions | RCONJ454 | $88.3M |
| Other loans to nondepository financial institutions | RCONPV09 | $76.5M |
| Loans to Finance Agricultural Production and Other Loans to Farmers | RCON1590 | $54.2M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years | RCONA575 | $50.2M |
| Total Loan Modifications to Borrowers Experiencing Financial Difficulty That Are in Compliance with Their Modified Terms | RCONHK25 | $45.7M |
| Loans for purchasing or carrying securities, including margin loans | RCON1545 | $33.1M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper): Other Revolving Credit Plans | RCONB539 | $25.4M |
| Loan Modifications to Borrowers Experiencing Financial Difficulty - Construction, Land Development, and Other Land Loans: Secured by Nonfarm Nonresidential Properties: Loans Secured by Other Nonfarm Nonresidential Properties | RCONK162 | $17.5M |
| Loans to mortgage credit intermediaries | RCONPV05 | $11.9M |
| Loan Modifications to Borrowers Experiencing Financial Difficulty - Construction, Land Development, and Other Land Loans: Secured by Nonfarm Nonresidential Properties: Loans Secured by Owner-occupied Nonfarm Nonresidential Properties | RCONK161 | $10.8M |
| Unearned Income on Loans | RCON2123 | $8.8M |
| Loan Modifications to Borrowers Experiencing Financial Difficulty - Construction, Land Development, and Other Land Loans: Other Construction Loans and All Land Development and Other Land Loans | RCONK159 | $6.6M |
| Revolving, open-end lines of credit secured by 1-4 family residential properties that have converted to non-revolving closed-end status that are included in item 1.c(1) above | RCONLE75 | $6.6M |
| Loan Modifications to Borrowers Experiencing Financial Difficulty and in Compliance with Modified Terms: Loans Secured by 1-4 Family Residential Properties in Domestic Offices | RCONF576 | $3.8M |
| Loan Modifications to Borrowers Experiencing Financial Difficulty - Construction, Land Development, and Other Land Loans: Secured by Multifamily (5 or More) Nonresidential Properties | RCONK160 | $3.4M |
| Loans Secured by 1-4 Family Residential Properties in Domestic Offices in Process of Foreclosure (Included in Rc-c, Part I, Items 1.C.(1), 1.C.(2)(A), and 1.C.(2)(B) | RCONF577 | $2.6M |
| Loan Modifications to Borrowers Experiencing Financial Difficulty - All Other Loans | RCONK165 | $2.0M |
| Loan Modifications to Borrowers Experiencing Financial Difficulty - Commercial and Industrial Loans | RCONK256 | $754K |
| Loan Modifications to Borrowers Experiencing Financial Difficulty - Commercial and Industrial Loans: to U.S. Addressees (Domicile) | RCONK163 | $754K |
| Loan Modifications to Borrowers Experiencing Financial Difficulty - Construction, Land Development, and Other Land Loans: 1 - 4 Family Residential Construction Loans | RCONK158 | $724K |
Schedule RC-C, Part II: Loans to Small Businesses and Small Farms (24 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5569 | $531.0M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5575 | $194.6M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5571 | $134.6M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5567 | $92.1M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5573 | $77.7M |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5583 | $74.0M |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5581 | $54.1M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5565 | $17.2M |
| Amount Currently Outstanding of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5585 | $16.3M |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5579 | $13.1M |
| Amount Currently Outstanding of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5587 | $11.3M |
| Amount Currently Outstanding of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5589 | $8.2M |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5570 | 39,540 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5568 | 1,441 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5572 | 861 |
| Number of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5584 | 823 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5566 | 777 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5574 | 721 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5580 | 443 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5564 | 435 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5578 | 334 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5582 | 288 |
| Number of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5586 | 114 |
| Number of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5588 | 36 |
Schedule RC-E: Deposit Liabilities (36 items)
About Schedule RC-E · The Central Trust Bank deposit liabilities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Nontransaction Accounts (Including Mmda's) | RCON2385 | $14.46B |
| Total Nontransaction Accounts Deposits of Individuals, Partnerships, and Corporations | RCONB550 | $12.72B |
| Money Market Deposit Accounts (Mmda's) | RCON6810 | $11.30B |
| Components of Total Nontransaction Account Deposits of Individuals, Partnerships and Corporations: Deposits in All Other Mmdas of Individuals, Partnerships and Corporations | RCONP757 | $5.11B |
| Components of Total Nontransaction Account Deposits of Individuals, Partnerships and Corporations: Total Deposits in Those MMDA Deposit Products Intended Primarily for Individuals for Personal, Household, or Family Use | RCONP756 | $4.88B |
| Total Transaction Accounts | RCON2215 | $1.95B |
| Total Demand Deposits (See Note Below) | RCON2210 | $1.88B |
| Total Nontransaction Accounts of States and Political Subdivisions in the U.S. | RCON2530 | $1.73B |
| Other Nontransaction Savings Deposits (Excludes Mmda's) | RCON0352 | $1.61B |
| Components of Total Nontransaction Account Deposits of Individuals, Partnerships and Corporations: Total Deposits in Those Other Savings Deposit Account Deposit Products Intended Primarily for Individuals for Personal, Household, or Family Use | RCONP758 | $1.57B |
| Total Transaction Accounts - Deposits of Individuals, Partnerships, and Corporation | RCONB549 | $1.46B |
| Time Deposits of 250000 or Less with a Remaining Maturity of One Year or Less | RCONHK11 | $1.00B |
| Total Time Deposits of Less Than $100,000 | RCON6648 | $628.7M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK08 | $513.9M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK07 | $493.8M |
| Components of Total Nontransaction Accounts: Total Time Deposits of More Than $250,000 | RCONJ474 | $482.3M |
| Time Deposits of More Than $250,000 with a Remaining Maturity of One or Year Less | RCONK222 | $468.1M |
| Total Transaction Accounts - Deposits of States and Political Subdivisions in the U.S. | RCON2203 | $466.2M |
| Components of Total Nontransaction Accounts: Total Time Deposits of $100,000 Through $250,000 | RCONJ473 | $434.1M |
| Total reciprocal deposits | RCONJH83 | $366.6M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK13 | $240.0M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK12 | $229.4M |
| Sweep deposits: Fully insured, non-affiliate sweep deposits | RCONMT91 | $229.1M |
| Total sweep deposits that are not brokered deposits | RCONMT95 | $229.1M |
| Components of Total Transaction Account Deposits of Individuals, Partnerships, and Coporations: Total Deposits in Those Noninterest-bearing Transaction Account Deposit Products Intended Primarily for Individuals for Personal, Household, or Family Use | RCONP753 | $198.1M |
| All Time and Savings Deposits Held in IRA and Keogh Plan Accounts | RCON6835 | $191.2M |
| Individual Retirement Accounts (Iras) and Keogh Plan Accounts Included in Memorandum Item 2.C, 'Total Time Deposits of $100,000 or More,' Above | RCONF233 | $66.4M |
| Components of Total Transaction Account Deposits of Individuals, Partnerships, and Coporations: Total Deposits in Those Interest-bearing Transaction Account Deposit Products Intended Primarily for Individuals for Personal, Household, or Family Use | RCONP754 | $59.3M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK09 | $45.7M |
| Components of Total Nontransaction Account Deposits of Individuals, Partnerships and Corporations: Deposits in All Other Other Savings Deposits Accounts of Individuals, Partnerships and Corporations | RCONP759 | $45.7M |
| Total Transaction Accounts - Deposits of Commercial Banks and Other Depository Institutions in the U.S. | RCONB551 | $17.0M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK14 | $11.5M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Years | RCONHK10 | $9.5M |
| Total Nontransaction Accounts of Commercial Banks and Other Depository Institutions in the U.S. | RCONB552 | $3.6M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over Three Years | RCONHK15 | $1.4M |
| Total Transaction Accounts - Deposits of U.S. Government | RCON2202 | $530K |
Schedule RC-F: Other Assets (7 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Other Assets | RCON2168 | $193.5M |
| Accrued Interest Receivable | RCONB556 | $75.3M |
| Prepaid Expenses | RCON2166 | $60.5M |
| Historical Cost of All Other Available-for-sale Equity Securities | RCON1752 | $48.2M |
| Net Deferred Tax Assets | RCON2148 | $21.4M |
| Life Insurance Assets: General Account Life Insurance Assets | RCONK201 | $15.2M |
| Life Insurance Assets: Hybrid Account Life Insurance Assets | RCONK270 | $9.4M |
Schedule RC-G: Other Liabilities (6 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| All Other Liabilities | RCON2938 | $92.2M |
| Other Expenses Accrued and Unpaid | RCON3646 | $50.6M |
| Operating lease liabilities | RCONLB56 | $34.2M |
| Accounts Payable | RCON3066 | $24.4M |
| Interest Accrued and Unpaid on Deposits (in Domestic Offices) | RCON3645 | $8.2M |
| Allowance for Credit Losses on Off-balance Sheet Credit Exposures | RCONB557 | $360K |
Schedule RC-K: Quarterly Averages (20 items)
About Schedule RC-K · The Central Trust Bank quarterly averages trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Quarterly Average of Total Assets | RCON3368 | $20.45B |
| Nontransaction Accounts in Domestic Offices: Savings Deposits | RCONB563 | $13.27B |
| Quarterly Average of Total Loans | RCON3360 | $11.61B |
| Quarterly Average of All Other Loans Secured by Real Estate | RCON3466 | $5.74B |
| Mortgage-backed Securities | RCONB559 | $4.87B |
| Quarterly Average of Loans Secured by 1-4 Family Residential Properties | RCON3465 | $3.55B |
| U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RCONB558 | $1.32B |
| Quarterly Average of Commercial and Industrial Loans | RCON3387 | $1.20B |
| Liabilities, Nontransaction Accounts, Time Deposits of 250000 or Less | RCONHK16 | $1.06B |
| Quarterly Average of Other Borrowed Money | RCON3355 | $1.01B |
| Quarterly Average of Federal Funds Purchased and Securities Sold Under Agreements to Repurchase | RCON3353 | $1.01B |
| All Other Securities | RCONB560 | $910.3M |
| Quarterly Average of Interest-bearing Balances Due from Depository Institutions | RCON3381 | $762.3M |
| Transaction Accounts (in Domestic Offices) (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) - Quarterly Average | RCON3485 | $700.0M |
| Liabilities, Nontransaction Accounts, Time Deposits of More Than 250000 | RCONHK17 | $481.8M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other | RCONB562 | $474.5M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Credit Cards | RCONB561 | $97.2M |
| Quarterly Average of Loans to Finance Agricultural Production and Other Loans to Farmers | RCON3386 | $53.9M |
| Quarterly Average of Federal Funds Sold and Securities Purchased Under Agreements to Resell | RCON3365 | $1.5M |
| Quarterly Average of Assets Held in Trading Accounts | RCON3401 | $248K |
Schedule RC-L: Derivatives and Off-Balance-Sheet Items (31 items)
About Schedule RC-L · The Central Trust Bank derivatives and off-balance-sheet items trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Notional Amounts by Regulatory Capital Treatment: All Other Positions: Sold Protection | RCONG403 | $39.8M |
| Notional Amount of Sold Credit Protection: Investment Grade - with Remaining Maturity of Over Five Years | RCONG408 | $14.8M |
| Notional Amount of Sold Credit Protection: Investment Grade - with Remaining Maturity of Over One Year Through Five Years | RCONG407 | $25.0M |
| Over the Counter Derivatives: Net Current Credit Exposure - Banks and Securities Firms | RCONG418 | $5.7M |
| Over the Counter Derivatives: Net Current Credit Exposure - Corporations and All Other Counterparties | RCONG422 | $619K |
| Year-to-date Merchant Credit Card Sales Volume:sales for Which the Reporting Bank Is the Agent Bank with Risk | RCONC224 | $9.55B |
| Unused Commitments - Credit Card Lines | RCON3815 | $627.7M |
| Other Unused Commitments: Commercial and Industrial Loans | RCONJ457 | $596.4M |
| Year-to-date Merchant Credit Card Sales Volume: Sales for Which the Reporting Bank Is the Acquiring Bank | RCONC223 | $594.5M |
| Commercial Real Estate, Other Construction Loan and Land Development Loan Commitments | RCONF165 | $541.9M |
| Unused Commitments - Revolving, Open-end Lines Secured by 1-4 Family Residential Properties | RCON3814 | $529.0M |
| Credit Card Lines: Unused Consumer Credit Card Lines | RCONJ455 | $483.7M |
| Total Gross Notional Amount of Interest Rate Derivative Contracts Held for Purposes Other Than Trading: Contracts Marked to Market | RCON8725 | $466.2M |
| Other Unused Commitments: All Other Unused Commitments | RCONJ459 | $423.2M |
| Interest Rate Contracts - Notional Value of All Outstanding Interest Rate Swaps | RCON3450 | $296.2M |
| 1-4 Family Residential Construction Loan Commitments | RCONF164 | $239.1M |
| Interest Rate Swaps Where the Bank Has Agreed to Pay a Fixed Rate | RCONA589 | $152.9M |
| Credit Card Lines: Other Unused Credit Card Lines | RCONJ456 | $144.0M |
| Written OTC Interest Rate Option Contracts | RCON8709 | $85.0M |
| Interest Rate Forward Contracts | RCON8697 | $84.9M |
| Financial Standby Letters of Credit and Foreign Office Guarantees | RCON3819 | $54.3M |
| Other unused commitments: Loans to nondepository financial institutions | RCONPV11 | $50.8M |
| Other unused commitments: Other loans to nondepository financial institutions | RCONPV16 | $48.5M |
| Credit Derivatives: Notional Amounts- Other Credit Derivatives-guarantor | RCONC974 | $39.8M |
| Commercial Real Estate, Construction, and Land Development: Commitments to Fund Loans Not Secured by Real Estate | RCON6550 | $34.9M |
| Performance Standby Letters of Credit | RCON3821 | $29.1M |
| Gross Positive Fair Value of Interest Rate Derivative Contracts Held for Purposes Other Than Trading That Are Marked to Market | RCON8741 | $7.2M |
| Gross Negative Fair Value of Interest Rate Derivative Contracts Held for Purposes Other Than Trading That Are Marked to Market | RCON8745 | $5.9M |
| Other unused commitments: Loans to mortgage credit intermediaries | RCONPV12 | $2.3M |
| Commercial and Similar Letters of Credit | RCON3411 | $2.0M |
| Notional Amount of Credit Derivatives on Which the Reporting Bank Is the Guarantor:gross Negative Fair Value | RCONC220 | $31K |
Schedule RC-M: Memoranda (9 items)
About Schedule RC-M · The Central Trust Bank memoranda trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Other Borrowed Money: Other Borrowings with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONF061 | $1.01B |
| Aggregate Amount of All Extensions of Credit to All Executive Officers, Directors, Principal Shareholders, and Their Related Interests | RCON6164 | $235.7M |
| Estimated Fair Value of Mortgage Servicing Assets | RCONA590 | $63.4M |
| Mortgage Servicing Assets | RCON3164 | $30.0M |
| All other intangible assets | RCONJF76 | $1.8M |
| All Other Real Estate Owned: 1-4 Family Residential Properties in Domestic Offices | RCON5510 | $1.7M |
| Cost of equity securities with readily determinable fair values not held for trading | RCONJA29 | $1.1M |
| All Other Real Estate Owned: Construction and Land Development in Domestic Offices | RCON5508 | $75K |
| Number of Executive Officers, Directors, and Principal Shareholders to Whom the Amount of All Extensions of Credit by the Reporting Bank (Including Extensions of Credit to Related Interests) Equals or Exceeds the Lesser of $500,000 or 5 Percent of Total Capital as Defined for This Purpose in Agency Regulations | RCON6165 | 3 |
Schedule RC-N: Past Due and Nonaccrual Loans, Leases, and Other Assets (57 items)
About Schedule RC-N · The Central Trust Bank past due and nonaccrual loans, leases, and other assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Lease Finance Receivables: Nonaccrual | RCON1403 | $55.1M |
| Total Loan Modifications to Borrowers Experiencing Financial Difficulty Included in Schedule Rc-n Items 1 Through 7 Above and Not Reported in Schedule Rc-c, Part I, Memo Item 1, Nonaccrual | RCONHK28 | $27.5M |
| Additions to Nonaccrual Assets | RCONC410 | $27.0M |
| Total Loans and Lease Financing Receivables: Past Due 30-89 Days and Still Accruing | RCON1406 | $23.3M |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-nonaccural | RCONC229 | $20.1M |
| Loans Secured by Other Nonfarm Nonresidential Properties, Nonaccrual | RCONF183 | $16.1M |
| Loan Modifications to Borrowers Experiencing Financial Difficulty -Loans Secured by Other Nonfarm Nonresidential Properties :Nonaccrual | RCONK119 | $13.2M |
| Commercial and Industrial Loans - Nonaccrual | RCON1608 | $10.1M |
| Loan Modifications to Borrowers Experiencing Financial Difficulty : Commercial and Industrial Loans - to US Addressees - Nonaccrual | RCONK122 | $8.0M |
| Loan Modifications to Borrowers Experiencing Financial Difficulty: Commercial and Industrial Loans - Nonaccrual | RCONK259 | $8.0M |
| Loans to Finance Commercial Real Estate, Construction, and Land Development Activities - Nonaccrual | RCON6560 | $7.9M |
| Loan Modifications to Borrowers Experiencing Financial Difficulty Secured by 1-4 Residential Properties (in Domestic Offices) - Nonaccrual | RCONF663 | $5.2M |
| Loans Secured by Other Nonfarm Nonresidential Properties, 30-89 Days Past Due | RCONF179 | $5.1M |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Automobile Loans - Past Due 30 Through 89 Days and Still Accruing | RCONK213 | $4.0M |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-past Due 30 Thru 89 Days and Still Accruing | RCONC236 | $3.7M |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Other - Past Due 30 Through 89 Days and Still Accruing | RCONK216 | $3.1M |
| Total Loan Modifications to Borrowers Experiencing Financial Difficulty Included in Schedule Rc-n Items 1 Through 7 Above and Not Reported in Schedule Rc-c, Part I, Memo Item 1, Past Due 30 Through 89 Days and Still Accruing | RCONHK26 | $2.1M |
| Total Loans and Lease Financing Receivables: Past Due 90 Days or More and Still Accruing | RCON1407 | $2.0M |
| Loans Secured by 1-4 Family Residential Properties: Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit - Past Due 30 Through 89 Days and Still Accruing | RCON5398 | $2.0M |
| Loans and Leases Reported in the Past Due and Nonaccrual Loans, Leases and Other Assets Which Are Wholly or Partially Guaranteed by the U.S. Government , Excluding Loans and Leases Covered by Loss-sharing Agreements with the FDIC - Nonaccrual | RCONK038 | $1.8M |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-past Due 90 Days or More and Still Accruing | RCONC237 | $1.6M |
| Loans Secured by Owner-occupied Nonfarm Nonresidential Properties, Nonaccrual | RCONF182 | $1.6M |
| 1-4 Family Residential Construction Loans, Nonaccrual | RCONF176 | $1.5M |
| Loans Secured by 1-4 Family Residential Properties: Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit - Nonaccrual | RCON5400 | $1.4M |
| Guaranteed Portion of Loans and Leases Included in Item 10, Excluding Rebooked 'Gnma Loans' : Nonaccrual | RCONK041 | $1.4M |
| Loan Modifications to Borrowers Experiencing Financial Difficulty Loans Secured by Owner Occupied Nonfarm Nonresidential Properties: Nonaccrual (domestic offices) | RCONK117 | $1.4M |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by Junior Liens-nonaccural | RCONC230 | $1.4M |
| Loans Secured by Real Estate (in Domestic Offices): Secured by Farmland - Past Due 30 Through 89 Days and Still Accruing | RCON3493 | $1.3M |
| Commercial and Industrial Loans - Past Due 30-89 Days and Still Accruing | RCON1606 | $1.2M |
| Loans and Leases Reported in the Past Due and Nonaccrual Loans, Leases and Other Assets Which Are Wholly or Partially Guaranteed by the U.S. Government , Excluding Loans and Leases Covered by Loss-sharing Agreements with the FDIC - Past Due 30 Through 89 Days and Still Accruing | RCONK036 | $1.2M |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Automobile Loans - Nonaccrual | RCONK215 | $1.2M |
| 1-4 Family Residential Construction Loans: Past Due 31 - 89 Days | RCONF172 | $1.1M |
| Guaranteed Portion of Loans and Leases Included in Item 10, Excluding Rebooked 'Gnma Loans' Past Due 30 Through 89 Days and Still Accruing | RCONK039 | $1.1M |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Other - Nonaccrual | RCONK218 | $1.0M |
| Loan Modifications to Borrowers Experiencing Financial Difficulty Loans Secured by Owner Occupied Nonfarm Nonresidential Properties: Nonaccrual (domestic offices) | RCONK116 | $833K |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Credit Cards - Past Due 30 Through 89 Days and Still Accruing | RCONB575 | $650K |
| Loan Modifications to Borrowers Experiencing Financial Difficulty: All Other Loans - Past Due 30 Through 89 Days and Still Accruing | RCONK126 | $548K |
| Other Construction Loans and All Land Development and Other Land Loans, Past Due 31 - 89 Days | RCONF173 | $532K |
| Loans Secured by Owner-occupied Nonfarm Nonresidential Properties, 30-89 Days Past Due | RCONF178 | $336K |
| Other Construction Loans and All Land Development and Other Land Loans, Nonaccrual | RCONF177 | $314K |
| Loans Secured by Real Estate (in Domestic Offices): Secured by Farmland - Nonaccrual | RCON3495 | $304K |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Credit Cards - Past Due 90 Days or More and Still Accruing | RCONB576 | $283K |
| Loan Modifications to Borrowers Experiencing Financial Difficulty : All Other Loans - Nonaccrual | RCONK128 | $222K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by Junior Liens-past Due 30 Thru 89 Days and Still Accruing | RCONC238 | $171K |
| Loan Modifications to Borrowers Experiencing Financial Difficulty Secured by 1-4 Residential Properties (in Domestic Offices) - Past Due 30 Through 89 Days and Still Accruing. | RCONF661 | $144K |
| Loan Modifications to Borrowers Experiencing Financial Difficulty 1-4 Family Residential Construction Loans -Nonaccrual | RCONK107 | $117K |
| All Other Loans - Past Due 30 Through 89 Days and Still Accruing | RCON5459 | $90K |
| Loans to Finance Agricultural Production and Other Loans to Farmers - Past Due 30-89 Days and Still Accruing | RCON1594 | $90K |
| Loan Modifications to Borrowers Experiencing Financial Difficulty Other Construction Loans and All Land Development and Other Land Loans-nonaccrual | RCONK110 | $74K |
| Loans Secured by 1-4 Family Residential Properties: Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit - Past Due 90 Days or More and Still Accruing | RCON5399 | $65K |
| Loans to Finance Commercial Real Estate, Construction, and Land Development Activities - Past Due 30 Through 89 Days and Still Accruing | RCON6558 | $53K |
| Commercial and Industrial Loans - Past Due 90 Days or More and Still Accruing | RCON1607 | $27K |
| All Other Loans - Nonaccrual | RCON5461 | $5K |
| Loans to Finance Agricultural Production and Other Loans to Farmers - Nonaccrual | RCON1583 | $5K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Other - Past Due 90 Days or More and Still Accruing | RCONK217 | $2K |
| Loan Mod to Borrowers Experiencing Fin Dfclty : Commercial and Industrial Loans - to US Addressees - Past Due 30 Through 89 Days and Still Accruing | RCONK120 | $1K |
| Loan Modifications to Borrowers Experiencing Financial Difficulty: Commercial and Industrial Loans - Past Due 30 Through 89 Days and Still Accruing | RCONK257 | $1K |
Schedule RC-O: Other Data for Deposit Insurance Assessments (23 items)
About Schedule RC-O · The Central Trust Bank other data for deposit insurance assessments trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Unsecured Other Borrowings with a Remaining Maturity of Over One Year Through Three Years | RCONG466 | $1.01B |
| Average Consolidated Total Assets for the Calendar Quarter | RCONK652 | $20.45B |
| Total Deposit Liabilities as Defined in Section 3(1) of the Federal Deposit Insurance Act Before Exclusions | RCONF236 | $16.44B |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of $250,000 or Less | RCONF049 | $8.20B |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF051 | $8.05B |
| Estimated Amount of Uninsured Assessable Deposits in Domestic Offices of the Bank and in Insured Branches in Puerto Rico and U.S. Territories and Possessions, Including Related Interest Accrued and Unpaid | RCON5597 | $6.30B |
| Average Tangible Equity for the Calendar Quarter | RCONK654 | $1.63B |
| Total Unfunded Commitments to Fund Construction, Land Development, and Other Land Loans Secured by Real Estate | RCONK676 | $573.4M |
| Nonbrokered Time Deposits of More Than $250,000 in Domestic Offices | RCONK678 | $482.3M |
| Amount of Retirement Deposits Accounts of $250,000 or Less | RCONF045 | $172.7M |
| Amount of Retirement Deposit Accounts of More Than $250,000 | RCONF047 | $19.1M |
| Portion of Funded Loans and Securities Guaranteed or Insured by the U.S. Government (Including FDIC Loss-sharing Agreements) - Commercial and Industrial Loans | RCONN181 | $10.9M |
| Portion of Funded Loans and Securities Guaranteed or Insured by the U.S. Government (Including FDIC Loss-sharing Agreements) - Loans Secured by Multifamily Residential and Nonfarm Nonresidential Properties | RCONN178 | $10.6M |
| Portion of Funded Loans and Securities Guaranteed or Insured by the U.S. Government (Including FDIC Loss-sharing Agreements) - Closed-end Loans Secured by Junior Liens on 1-4 Family Residential Properties and Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit | RCONN180 | $7.0M |
| Portion of Funded Loans and Securities Guaranteed or Insured by the U.S. Government (Including FDIC Loss-sharing Agreements) - Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties | RCONN179 | $5.4M |
| Portion of Loan Modifications to Borrowers Experiencing Financial Difficulty That Are in Compliance with Their Modified Terms and Are Guaranteed or Insured by the U.S. Government (Including the FDIC) (Included in Schedule Rc-c, Part I, | RCONL189 | $334K |
| Portion of Funded Loans and Securities Guaranteed or Insured by the U.S. Government (Including FDIC Loss-sharing Agreements): Construction, Land Development, and Other Land Loans Secured by Real Estate | RCONN177 | $156K |
| Portion of Unfunded Commitments to Fund Construction, Land Development, and Other Land Loans Secured by Real Estate That Are Guarnateed or Insured by the U.S. Government (Including the FDIC) | RCONK677 | $70K |
| Number of Deposit Accounts (Excluding Retirement Accounts)of $250,000 or Less | RCONF050 | 756,577 |
| Number of Retirement Deposit Accounts of $250,000 or Less | RCONF046 | 12,263 |
| Number of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF052 | 7,292 |
| Number of Retirement Deposit Accounts of More Than $250,000 | RCONF048 | 56 |
| Averaging Method Used | RCONK653 | 1 |
Schedule RC-P: 1-4 Family Residential Mortgage Banking Activities (5 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Principal Amount of 1-4 Family Residential Mortgage Loans Sold During the Quarter | RCONFT04 | $222.2M |
| Retail originations during the quarter of 1-4 family residential mortgage loans for sale | RCONHT81 | $222.0M |
| Quarter End Amount of 1-4 Family Residential Mortgage Loans Held for Sale or Trading | RCONFT05 | $26.5M |
| Noninterest income for the quarter from the sale, securitization, and servicing of 1-4 family residential mortgage loans | RIADHT85 | $8.7M |
| Repurchases and indemnification of 1-4 family residential mortgage laons during the quarter | RCONHT86 | $315K |
Schedule RC-Q: Assets and Liabilities Measured at Fair Value on a Recurring Basis (26 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Loans and Leases Held for Sale - Level 2 Fair Value Measurements | RCONG486 | $27.8M |
| Loans and Leases Held for Sale - Total Fair Value Reported on Schedule Rc | RCONG483 | $27.8M |
| Loans and Leases Held for Investment - Level 2 Fair Value Measurements | RCONG491 | $9.1M |
| Loans and Leases Held for Investment - Total Fair Value Reported on Schedule Rc | RCONG488 | $9.1M |
| Total Assets Measured at Fair Value on a Recurring Basis - Total Fair Value Reported on Schedule Rc | RCONG502 | $7.08B |
| Available-for-sale debt securities and equity securities with readily determinable fair values not held for trading purposes | RCONJA36 | $7.02B |
| Total Assets Measured at Fair Value on a Recurring Basis - Level 2 Fair Value Measurements | RCONG505 | $5.86B |
| Available-for-sale Securities - Level 2 Fair Value Measurements | RCONG476 | $5.82B |
| Available-for-sale Securities - Level 1 Fair Value Measurements | RCONG475 | $1.21B |
| Total Assets Measured at Fair Value on a Recurring Basis - Level 1 Fair Value Measurements | RCONG504 | $1.21B |
| All Other Assets - Total Fair Value Reported on Schedule Rc | RCONG391 | $18.7M |
| All Other Assets - Level 3 Fair Value Measurements | RCONG804 | $11.6M |
| Total Assets Measured at Fair Value on a Recurring Basis - Level 3 Fair Value Measurements | RCONG506 | $11.6M |
| All Other Assets (Itemize and Describe Amounts Included in Schedule Rc-q, Item 6, That Are Greater Than $100,000 and Exceed 25% of Item 6): Nontrading Derivative Assets - Level 2 Fair Value Measurements | RCONG544 | $7.1M |
| All Other Assets (Itemize and Describe Amounts Included in Schedule Rc-q, Item 6, That Are Greater Than $100,000 and Exceed 25% of Item 6): Nontrading Derivative Assets - Total Fair Value Reported on Schedule Rc | RCONG541 | $7.1M |
| All Other Assets - Level 2 Fair Value Measurements | RCONG396 | $7.1M |
| Loans measured at fair value, Unpaid principal balance of loans measured at fair value, All other loans secured by real estate, Domestic Offices | RCONHT92 | $6.8M |
| Loans measured at fair value, Loans secured by real estate, All other loans secured by real estate, Domestic Offices | RCONHT88 | $6.5M |
| All Other Liabilities (Itemize and Describe Amounts Included in Schedule Rc-q, Item 13, That Are Greater Than $100,000 and Exceed 25% of Item 13): Nontrading Derivative Liabilities - Level 2 Fair Value Measurements | RCONG569 | $6.0M |
| All Other Liabilities (Itemize and Describe Amounts Included in Schedule Rc-q, Item 13, That Are Greater Than $100,000 and Exceed 25% of Item 13): Nontrading Derivative Liabilities - Total Fair Value Reported on Schedule Rc | RCONG566 | $6.0M |
| All Other Liabilities - Level 2 Fair Value Measurements | RCONG808 | $6.0M |
| All Other Liabilities - Total Fair Value Reported on Balance Sheet | RCONG805 | $6.0M |
| Total Liabilities Measured at Fair Value on a Recurring Basis - Level 2 Fair Value Measurements | RCONG534 | $6.0M |
| Total Liabilities Measured at Fair Value on a Recurring Basis - Total Fair Value Reported on Schedule Rc | RCONG531 | $6.0M |
| Loans measured at fair value, Unpaid principal balance of loans measured at fair value, Secured by 1-4 family residential properties, Domestic Offices | RCONHT91 | $2.8M |
| Loans measured at fair value, Loans secured by real estate, Secured by 1-4 family residential properties, Domestic Offices | RCONHT87 | $2.7M |
Schedule RC-R: Regulatory Capital (1 item)
About Schedule RC-R · The Central Trust Bank regulatory capital trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Risk-weighted Assets Before Deductions for Excess Allowance for Loan and Lease Losses and Allocated Transfer Risk Reserve - 100% | RCONB704 | $12.60B |
Schedule RC-R, Part I: Regulatory Capital Components and Ratios (24 items)
About Schedule RC-R, Part I · The Central Trust Bank regulatory capital components and ratios trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average total consolidated assets | RCOAKW03 | $20.45B |
| Average Total Assets (Net of Deductions) | RCOAA224 | $20.13B |
| Risk-weighted Assets (Net of Allowances and Other Deductions) | RCOAA223 | $12.60B |
| Common Equity Tier 1 Capital Before Adjustments and Deductions | RCOAP840 | $1.83B |
| Total Qualifying Capital Allowable Under the Risk-based Capital Guidelines | RCOA3792 | $1.75B |
| Common Equity Tier 1 Capital | RCOAP859 | $1.60B |
| Subtotal of Common Equity Tier 1 Capital: Adjustments and Deductions | RCOAP852 | $1.60B |
| Tier 1 Capital Allowable Under the Risk-based Capital Guidelines | RCOA8274 | $1.60B |
| Retained Earnings | RCOAKW00 | $1.05B |
| Common Equity Tier 1 Capital: Common Stock Plus Related Surplus, Net of Treasury Stock and Unearned Employee Stock Ownership Plan (ESOP) Shares | RCOAP742 | $868.6M |
| Less: Deductions from Common Equity Tier 1 Capital and Additional Tier 1 Capital (Sum of Items 6, 7, 8, 10.B, 11, 13 Through 17 and Certain Elements of Item 24 - See Instructions) | RCOAP875 | $315.6M |
| Goodwill Net of Associated Deferred Tax Liabilities (Dtls) | RCOAP841 | $313.9M |
| General Loan and Lease Valuation Allowances | RCOA5310 | $150.8M |
| Tier 2 (Supplementary) Capital | RCOA5311 | $150.8M |
| Tier 2 Capital Before Deductions | RCOAP870 | $150.8M |
| Accumulated Other Comprehensive Income | RCOAB530 | -$86.2M |
| Less: Net Unrealized Gains (Losses) on Available-for-sale Debt Securities (If a Gain, Report as a Positive Value, If a Loss, Report as a Negative Value) | RCOAP844 | -$86.2M |
| Intangible Assets (Other Than Goodwill and Mortgage Servicing Assets (Msas)), Net of Associated Dtls | RCOAP842 | $1.7M |
| A. AOCI Opt-out Election (Enter '1' for Yes, Enter '0' for No.) | RCOAP838 | 1 |
| Total Risk-based Capital Ratio | RCOA7205 | 0.1389 |
| Common Equity Tier 1 Capital Ratio | RCOAP793 | 0.1269 |
| Tier 1 Risk-based Capital Ratio | RCOA7206 | 0.1269 |
| Tier 1 Leverage Capital Ratio | RCOA7204 | 0.0794 |
| Institution-specific Capital Buffer Necessary to Avoid Limitations on Distributions and Discretionary Bonus Payments: Capital Conservation Buffer | RCOAH311 | 0.0589 |
Schedule RC-R, Part II: Risk-Weighted Assets (104 items)
About Schedule RC-R, Part II · The Central Trust Bank risk-weighted assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Risk-weighted Assets for Purposes of Calculating the Allowance for Loan and Lease Losses 1.25 Percent Threshold | RCONS580 | $12.60B |
| Total Risk-weighted Assets | RCONG641 | $12.60B |
| Risk-weighted Assets by Risk-weighted Category - 100 Pct Risk Weight Category | RCONG637 | $9.63B |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 100 Pct Risk Weight Category | RCONG633 | $9.63B |
| Total Balance Sheet Assets - 100 Pct Risk Weight Category | RCOND990 | $8.84B |
| Total Loans and Leases, Net of Unearned Income, All Other Exposures | RCONS457 | $7.89B |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 100 Pct Risk Weight Category | RCONS462 | $7.60B |
| Available-for-sale debt securities and equity securities with readily determinable fair values not held for trading purposes, Total Fair Value | RCONJA21 | $7.02B |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 20 Pct Risk Weight Category | RCONG631 | $5.73B |
| Total Balance Sheet Assets - 20 Pct Risk Weight Category | RCOND988 | $5.72B |
| Available-for-sale Securities - 20 Pct Risk Weight Category | RCOND968 | $5.33B |
| Total Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures | RCONS439 | $3.70B |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 0 Pct Risk Weight Category | RCONG630 | $3.29B |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 50 Pct Risk Weight Category | RCONG632 | $3.18B |
| Total Balance Sheet Assets - 50 Pct Risk Weight Category | RCOND989 | $3.08B |
| Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 50 Pct Risk Weight Category | RCONS442 | $2.98B |
| Total Balance Sheet Assets - 0 Pct Risk Weight Category | RCOND987 | $2.45B |
| Available-for-sale Securities - 0 Pct Risk Weight Category | RCOND967 | $1.79B |
| Risk-weighted Assets by Risk-weighted Category - 50 Pct Risk Weight Category | RCONG636 | $1.59B |
| Unused Commitments, Original Maturity Exceeding One Year - Face, Notional, or Other Amount | RCONG624 | $1.26B |
| Risk-weighted Assets by Risk-weighted Category - 20 Pct Risk Weight Category | RCONG635 | $1.15B |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, Face, Notional or Other Amount | RCONS525 | $987.4M |
| Total All Other Assets | RCOND981 | $964.1M |
| Repo-style Transactions - 0 Pct Risk Weight Category | RCONS517 | $834.4M |
| Repo-style Transactions - Credit Equivalent Amount | RCONS516 | $834.4M |
| Repo-style Transactions - Face, Notional, or Other Amount | RCONS515 | $834.4M |
| Unconditionally Cancellable Commitments | RCONS540 | $796.9M |
| Total Cash and Balances Due from Depository Institutions | RCOND957 | $768.4M |
| Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 100 Pct Risk Weight Category | RCONS443 | $719.3M |
| Unused Commitments, Original Maturity Exceeding One Year - Credit Equivalent Amount | RCONG625 | $629.6M |
| Cash and Balances Due from Depository Institutions - 0 Pct Risk Weight Category | RCOND958 | $588.3M |
| Unused Commitments, Original Maturity Exceeding One Year - 100 Pct Risk Weight Category | RCONG629 | $532.6M |
| All Other Assets - 100 Pct Risk Weight Category | RCOND985 | $509.2M |
| All Other Assets - Adjustments to Totals Reported in Column a | RCONS469 | $350.1M |
| Notional Principal Amounts of Over-the-counter Derivate Contracts, Interest Rate - Over One Year Through Five Years | RCONS583 | $246.0M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, Credit Equivalent Amount | RCONS526 | $197.5M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, 100% | RCONS530 | $196.6M |
| Cash and Balances Due from Depository Institutions - 20 Pct Risk Weight Category | RCOND959 | $180.1M |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 20 Pct Risk Weight Category | RCONS460 | $179.6M |
| Risk-weighted Assets by Risk-weighted Category - 150 Pct Risk Weight Category | RCONS572 | $131.6M |
| Available-for-sale Securities - Adjustment to Totals Reported in Column a | RCONS402 | -$113.2M |
| Unused Commitments, Original Maturity Exceeding One Year - 50 Pct Risk Weight Category | RCONG628 | $90.5M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 150 Pct Risk Weight Category | RCONS561 | $87.7M |
| Notional Principal Amounts of Over-the-counter Derivate Contracts, Interest Rate - One Year or Less | RCONS582 | $87.0M |
| Total Balance Sheet Assets - Adjustments to Total Reported in Column a | RCONS500 | $86.4M |
| Total Balance Sheet Assets - 150 Pct Risk Weight Category | RCONS503 | $80.3M |
| Risk-weighted Assets by Risk-weighted Category - 250 Pct Risk Weight Category | RCONS573 | $74.9M |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 50 Pct Risk Weight Category | RCONS461 | $74.4M |
| Financial Standby Letters of Credit - Credit Equivalent Amount | RCOND992 | $54.3M |
| Financial Standby Letters of Credit - Face, Notional, or Other Amount | RCOND991 | $54.3M |
| Notional Principal Amounts of Over-the-counter Derivate Contracts, Interest Rate - Over Five Years | RCONS584 | $48.1M |
| Financial Standby Letters of Credit - 100 Pct Risk Weight Category | RCOND996 | $48.0M |
| Loans and Leases, Net of Unearned Income, High Volatility Commercial Real Estate Exposures - 150 Pct Risk Weight Category | RCONS447 | $48.0M |
| Total Loans and Leases, Net of Unearned Income, High Volatility Commercial Real Estate Exposures | RCONS445 | $48.0M |
| All Other Assets - 0 Pct Risk Weight Category | RCOND982 | $38.7M |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 0 Pct Risk Weight Category | RCONS459 | $33.8M |
| Loans and Leases, Net of Unearned Income, Exposures Past Due 90 Days or More or on Nonaccrual - 150 Pct Risk Weight Category | RCONS455 | $32.2M |
| Total Loans and Leases, Net of Unearned Income, Exposures Past Due 90 Days or More or on Nonaccrual | RCONS449 | $32.2M |
| All Other Assets - 250 Pct Risk Weight Category | RCONH293 | $30.0M |
| The total of all components in the 250% balance sheet asset category on Call Report Schedule RC-R is multiplied by 250% | RCONS504 | $30.0M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 250 Pct Risk Weight Category | RCONS562 | $30.0M |
| Performance Standby Letters of Credit and Transaction-related Contingent Items - Face, Notional, or Other Amount | RCOND997 | $29.1M |
| Loans and Leases Held for Sale, Residential Mortgage Exposures - 50 Pct Risk Weight Category | RCONS416 | $27.8M |
| Total Loans and Leases Held for Sale, Residential Mortgage Exposures | RCONS413 | $27.8M |
| All Other Assets - 20 Pct Risk Weight Category | RCOND983 | $26.6M |
| Notional Principal Amounts of Over-the-counter Derivate Contracts, Credit Investment Grade Reference Asset - Over One Year Through Five Years | RCONS589 | $25.0M |
| Risk-weighted Assets by Risk-weighted Category - 300 Pct Risk Weight Category | RCONS574 | $17.0M |
| Notional Principal Amounts of Over-the-counter Derivate Contracts, Credit Investment Grade Reference Asset - Over Five Years | RCONS590 | $14.8M |
| Performance Standby Letters of Credit and Transaction-related Contingent Items - Credit Equivalent Amount | RCOND998 | $14.6M |
| Performance Standby Letters of Credit and Transaction-related Contingent Items - 100 Pct Risk Weight Category | RCONG605 | $14.2M |
| Over-the-counter Derivatives - Credit Equivalent Amount | RCONS542 | $11.2M |
| All Other Assets, Separate Account Bank-owned Life Insurance - Application of Other Risk Weighting Approaches Exposure Amount | RCONH296 | $9.4M |
| All Other Assets, Separate Account Bank-owned Life Insurance - Application of Other Risk Weighting Approaches Risk-weighted Asset Amount | RCONH297 | $9.4M |
| Total Balance Sheet Assets - Other Risk Weighting Approaches Exposure Amount | RCONH300 | $9.4M |
| Current Credit Exposure Across All Derivative Contracts Covered by the Regulatory Capital Rules | RCONG642 | $7.2M |
| Over-the-counter Derivatives - 20 Pct Risk Weight Category | RCONS545 | $6.7M |
| Unused Commitments, Original Maturity Exceeding One Year - 150 Pct Risk Weight Category | RCONS539 | $6.6M |
| Financial Standby Letters of Credit - 0 Pct Risk Weight Category | RCOND993 | $6.3M |
| Available-for-sale Securities - 300 Pct Risk Weight Category | RCONS405 | $5.7M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 300 Pct Risk Weight Category | RCONS563 | $5.7M |
| Total Balance Sheet Assets - 300 Pct Risk Weight Category | RCONS505 | $5.7M |
| Risk-weighted Assets by Risk-weighted Category - 1250 Pct Risk Weight Category | RCONS579 | $3.9M |
| Available-for-sale Securities - 100 Pct Risk Weight Category | RCOND970 | $3.9M |
| Over-the-counter Derivatives - 50 Pct Risk Weight Category | RCONS546 | $3.4M |
| Total Off-balance Sheet Securitization Exposures | RCONS495 | $3.1M |
| Off-balance Sheet Securitization Exposures - Adjustments to Total Reported in Column a | RCONS496 | $2.8M |
| Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 20 Pct Risk Weight Category | RCONS441 | $2.7M |
| Available-for-sale Securities - 50 Pct Risk Weight Category | RCOND969 | $1.9M |
| Held-to-maturity Securities - 20 Pct Risk Weight Category | RCOND963 | $1.5M |
| Total Held-to-maturity Securities | RCOND961 | $1.5M |
| Commercial and Similar Letters of Credit with an Original Maturity of One Year or Less - Face, Notional, or Other Amount | RCONG606 | $1.5M |
| Over-the-counter Derivatives - 100 Pct Risk Weight Category | RCONS547 | $1.1M |
| Federal Funds Sold in Domestic Offices | RCOND971 | $896K |
| Federal Funds Sold in Domestic Offices - 20 Pct Risk Weight Category | RCOND973 | $896K |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, 150% | RCONS531 | $852K |
| Performance Standby Letters of Credit and Transaction-related Contingent Items - 0 Pct Risk Weight Category | RCOND999 | $361K |
| Off-balance Sheet Securitization Exposures - 1250 Pct Risk Weight Exposure, by Calculation Method | RCONS497 | $314K |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 1250 Pct Risk Weight Category | RCONS568 | $314K |
| Commercial and Similar Letters of Credit with an Original Maturity of One Year or Less - 0 Pct Risk Weight Category | RCONG608 | $295K |
| Commercial and Similar Letters of Credit with an Original Maturity of One Year or Less - Credit Equivalent Amount | RCONG607 | $295K |
| Allocation by Risk Weight Category 150%, All Other Assets | RCONH185 | $162K |
| All Other Assets - 50 Pct Risk Weight Category | RCOND984 | $42K |
| Held-to-maturity Securities - Adjustment to Totals Reported in Column a | RCONS399 | -$12K |
| Unused Commitments, Original Maturity Exceeding One Year - 0 Pct Risk Weight Category | RCONG626 | $11K |
Schedule RC-S: Servicing, Securitization, and Asset Sale Activities (7 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Outstanding Principal Balance of Assets Serviced for Others (Memorandum Item 2.C Is to Be Completed If the Balance Is More Than $10 Million): 1-4 Family Residential Mortgages Serviced with No Recourse or Other Servicer-provided Credit Enhancements | RCONB805 | $4.56B |
| Outstanding Principal Balance of Loans Other Than 1-4 Family Residential Mortgage Loans That Are Serviced for Others | RCONA591 | $408.4M |
| Outstanding Principal Balance of Assets Sold and Securitized with Recourse or Other Seller-provided Credit Enhancements - 1-4 Family Residential Loans | RCONB705 | $14.6M |
| Assets Sold with Recourse or Other Seller-provided Credit Enhancements and Not Securitized - 1-4 Family Residential Loans | RCONB790 | $3.1M |
| Outstanding Principal Balance of Assets Serviced for Others (Memorandum Item 2.C Is to Be Completed If the Balance Is More Than $10 Million): 1-4 Family Residential Mortgages Serviced with Recourse or Oher Servicer-provided Credit Enhancements | RCONB804 | $3.1M |
| Outstanding Principal Balance of Assets Serviced for Others Including Participations Serviced for Others: 1-4 Family Residential Mortgage Serviced for Others That Are in the Process of Foreclosure at Quarter-end (Includes Closed-end and Open-end Loans) | RCONF699 | $2.6M |
| Maximum Amount of Credit Exposure Arising from Recourse or Other Seller-provided Credit Enhancements Provided to Assets Reported in Item 11: 1-4 Family Residential Loans | RCONB797 | $314K |
Schedule RC-T: Fiduciary and Related Services (34 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Fiduciary Accounts - Managed Assets | RCONB894 | $10.68B |
| Investment Management Agency Accounts - Managed Assets | RCONB886 | $5.23B |
| Personal Trust and Agency Accounts - Managed Assets | RCONB868 | $2.51B |
| Other Retirement Accounts - Managed Assets | RCONB880 | $1.52B |
| Fiduciary and Related Assets:individual Retirement Accounts, Health Savings Accounts, and Other Similar Accounts - Managed Assets | RCONJ259 | $1.50B |
| Custody and Safekeeping Accounts - Non-managed Assets | RCONB898 | $1.27B |
| Fiduciary and Related Assets:foundation and Endowment Trust and Agency Accounts - Managed Assets | RCONJ255 | $1.13B |
| Total Fiduciary Accounts - Non-managed Assets | RCONB895 | $480.9M |
| Employee Benefit-defined Contribution - Non-managed Assets | RCONB873 | $469.7M |
| Employee Benefit-defined Benefit - Managed Assets | RCONB876 | $236.2M |
| Fiduciary and Related Assets:individual Retirement Accounts, Health Savings Accounts, and Other Similar Accounts - Non-managed Asset | RCONJ260 | $88.2M |
| Employee Benefit-defined Contribution - Managed Assets | RCONB872 | $48.8M |
| Income from Fiduciary Activities | RIAD4070 | $29.3M |
| Fiduciary and Related Services Income-investment Management and Investment Advisory Agency Accounts | RIADJ315 | $13.1M |
| Personal Trust and Agency Accounts - Non-managed | RCONB869 | $11.1M |
| Personal Trust and Agency Accounts | RIADB904 | $7.3M |
| Other Retirement Accounts | RIADB907 | $5.3M |
| Fiduciary and Related Services Income-foundation and Endowment Trust and Agency Accounts | RIADJ316 | $1.9M |
| Custody and Safekeeping Accounts | RIADB909 | $921K |
| Employee Benefit-defined Contribution | RIADB905 | $788K |
| Employee Benefit-defined Benefit | RIADB906 | $71K |
| Total Fiduciary Accounts - Number of Managed Accounts | RCONB896 | 6,675 |
| Investment Management Agency Accounts - Number of Managed Accounts | RCONB888 | 2,714 |
| Other Retirement Accounts - Number of Managed Accounts | RCONB882 | 2,648 |
| Fiduciary and Related Assets:individual Retirement Accounts, Health Savings Accounts, and Other Similar Accounts - Number of Managed Accounts | RCONJ261 | 2,645 |
| Personal Trust and Agency Accounts - Number of Managed Accounts | RCONB870 | 1,027 |
| Custody and Safekeeping Accounts - Number of Non-managed Accounts | RCONB899 | 579 |
| Fiduciary and Related Assets:foundation and Endowment Trust and Agency Accounts - Number of Managed Accounts | RCONJ257 | 251 |
| Fiduciary and Related Assets:individual Retirement Accounts, Health Savings Accounts, and Other Similar Accounts - Number of Non-managed Accounts | RCONJ262 | 152 |
| Employee Benefit-defined Contribution - Number of Managed Accounts | RCONB874 | 31 |
| Total Fiduciary Accounts - Non-managed Accounts | RCONB897 | 15 |
| Employee Benefit-defined Contribution - Number of Non-managed Accounts | RCONB875 | 9 |
| Personal Trust and Agency Accounts - Number of Non-managed Accounts | RCONB871 | 6 |
| Employee Benefit-defined Benefit - Number of Managed Accounts | RCONB878 | 4 |
Schedule RI-A: Changes in Bank Equity Capital (5 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Balance End of Previous Calendar Year as Restated | RIADB508 | $1.87B |
| Equity Capital, Most Recently Reported for the End of Previous Calendar Year (I.e., After Adjustments from Amended Reports of Income) | RIAD3217 | $1.87B |
| Total Equity Capital | RIAD3210 | $1.83B |
| Cash Dividends Declared on Common Stock | RIAD4460 | $200.0M |
| Other Comprehensive Income | RIADB511 | -$50.1M |
Schedule RI-B, Part I: Charge-offs and Recoveries on Loans and Leases (28 items)
About Schedule RI-B, Part I · The Central Trust Bank charge-offs and recoveries on loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Charge-offs on Allowance for Loan and Lease Losses | RIAD4635 | $10.2M |
| Recoveries on Allowance for Loan and Lease Losses | RIAD4605 | $4.3M |
| Charge-offs on Commercial and Industrial Loans | RIAD4638 | $2.8M |
| Charge-offs on Loans to Credit Cards | RIADB514 | $2.1M |
| Charge-offs All Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADK205 | $2.0M |
| Charge-offs on Automobile Loans | RIADK129 | $1.9M |
| Recoveries on Commercial and Industrial Loans | RIAD4608 | $1.7M |
| Charge-offs on All Other Loans | RIAD4644 | $991K |
| Recoveries on Automobile Loans | RIADK133 | $600K |
| Recoveries on Loans to Credit Cards | RIADB515 | $551K |
| Loans Secured by Owner-occupied Nonfarm Nonresidential Properties: Recoveries | RIADC896 | $435K |
| Recoveries All Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADK206 | $379K |
| Recoveries on All Other Loans | RIAD4628 | $278K |
| Loans Secured by Other Nonfarm Nonresidential Properties: Recoveries | RIADC898 | $158K |
| Recoveries on Lease Financing Receivables | RIAD4267 | $137K |
| Charge-offs on Closed-end Loans by 1-4 Family Residential Properties:secured by First Liens | RIADC234 | $104K |
| 1-4 Family Residential Construction Loans, Charge-offs | RIADC891 | $93K |
| Loans Secured by Owner-occupied Nonfarm Nonresidential Properties: Charge-offs | RIADC895 | $55K |
| Charge-offs on Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit | RIAD5411 | $54K |
| Recoveries on Loans to Finance Commercial Real Estate, Construction, and Land Development Activities Included in Items 4617, 4618, and 4628 | RIAD5410 | $52K |
| Charge-offs on Loans Secured by Farmland | RIAD3584 | $48K |
| Charge-offs on Closed-end Loans Secured by 1-4 Family Residential Properties:secured by Junior Liens | RIADC235 | $42K |
| Recoveries on Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit | RIAD5412 | $33K |
| Recoveries on Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens | RIADC217 | $17K |
| Recoveries on Closed-end Loans Secured by 1-4 Family Residential Properties:secured by Junior Liens | RIADC218 | $10K |
| 1-4 Family Residential Construction Loans Recoveries | RIADC892 | $7K |
| Other Construction Loans and All Land Development and Other Land Loans, Recoveries | RIADC894 | $2K |
| Recoveries on Loans to Finance Agricultural Production and Other Loans to Farmers | RIAD4665 | $2K |
Schedule RI-B, Part II: Changes in Allowances for Credit Losses (7 items)
About Schedule RI-B, Part II · The Central Trust Bank changes in allowances for credit losses trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Allowance for Loan and Lease Losses | RIAD3123 | $150.4M |
| Balance Most Recently Reported for the December 31, 2000, Reports of Condition and Income(i.e., After Adjustments from Amended Report of Income) | RIADB522 | $149.7M |
| Charge-offs on Allowance for Loan and Lease Losses | RIADC079 | $10.2M |
| Balance end of current period, Held-to-maturity debt securities | RIADJH93 | $12K |
| Provisions for credit losses on off-balance-sheet exposures | RIADMG93 | $11K |
| Balance most recently reported for end of previous calendar year, Report of Condition and Income Held-to-maturity debt securities (i.e., after adjustments from amended Reports of Income) | RIADJH88 | $10K |
| Provisions for credit losses, Held-to-maturity debt securities | RIADJH90 | $2K |
Schedule RI-C: Disaggregated Data on the Allowance for Credit Losses (17 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Loans and Leases, Held for Investment, Total, Amortized Cost | RCONJJ11 | $11.66B |
| Loans and Leases, Held for Investment, Real estate loans, Commercial real estate loans, Amortized Cost | RCONJJ05 | $4.88B |
| Loans and Leases, Held for Investment, Real estate loans, Residential real estate loans, Amortized Cost | RCONJJ06 | $3.56B |
| Loans and Leases, Held for Investment, Commerical loans, Amortized Cost | RCONJJ07 | $1.76B |
| Loans and Leases, Held for Investment, Real estate loans, Construction loans, Amortized Cost | RCONJJ04 | $919.2M |
| Loans and Leases, Held for Investment, Other consumer loans, Amortized Cost | RCONJJ09 | $457.5M |
| Loans and Leases, Held for Investment, Total, Allowance Balance | RCONJJ19 | $150.4M |
| Loans and Leases, Held for Investment, Credit cards, Amortized Cost | RCONJJ08 | $95.6M |
| Loans and Leases, Held for Investment, Real estate loans, Residential real estate loans, Allowance Balance | RCONJJ14 | $47.8M |
| Loans and Leases, Held for Investment, Real estate loans, Commercial real estate loans, Allowance Balance | RCONJJ13 | $35.2M |
| Loans and Leases, Held for Investment, Commerical loans, Allowance Balance | RCONJJ15 | $26.7M |
| Loans and Leases, Held for Investment, Real estate loans, Construction loans, Allowance Balance | RCONJJ12 | $20.4M |
| Loans and Leases, Held for Investment, Other consumer loans, Allowance Balance | RCONJJ17 | $11.6M |
| Loans and Leases, Held for Investment, Credit cards, Allowance Balance | RCONJJ16 | $8.8M |
| Held to Maturity Securities, Securities issued by states and poilitical subdivisions in the US | RCONJJ20 | $12K |
| Held to Maturity Securities, Total | RCONJJ25 | $12K |
| Loans and Leases, Held for Investment, Unallocated, Allowance Balance | RCONJJ18 | $12K |
Schedule RI-E: Explanations (7 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Bank Card and Credit Card Interchange Fees | RIADF555 | $25.1M |
| First Itemized Amount That Exceeds 10% of Other Noninterest Expense (4092) | RIAD4464 | $16.0M |
| Third Itemized Amount That Exceeds 10% of Other Noninterest Expense (4092) | RIAD4468 | $12.1M |
| Consulting and Advisory Expense | RIADF557 | $9.1M |
| Marketing and Other Professional Services | RIAD0497 | $7.8M |
| First Itemized Amount That Exceeds 10% of All Other Noninterest Income (5408) | RIAD4461 | $6.3M |
| Second Itemized Amount That Exceeds 10% of All Other Noninterest Income (5408) | RIAD4462 | $3.3M |
The Central Trust Bank call reports on file
Each link opens the bank's filed report on the FFIEC Central Data Repository.
- Q2 2026 call report (quarter ended June 30, 2026)
- Q1 2026 call report (quarter ended March 31, 2026)
- Q4 2025 call report (quarter ended December 31, 2025)
- Q3 2025 call report (quarter ended September 30, 2025)
- Q2 2025 call report (quarter ended June 30, 2025)
- Q1 2025 call report (quarter ended March 31, 2025)
Where can I find the The Central Trust Bank call report?
The The Central Trust Bank call report for the quarter ended June 30, 2026 is on this page, schedule by schedule. The official PDF is on the FFIEC Central Data Repository, linked here for every quarter on file. Call reports are public: anyone can read or download them without an account.
Which call report form does The Central Trust Bank file?
The Central Trust Bank files the FFIEC 041. The FFIEC 031 is for banks with foreign offices, the FFIEC 041 for banks with domestic offices only, and the FFIEC 051 is the streamlined form most domestic banks under $5 billion in total assets may file.
What is the The Central Trust Bank call report number?
A call report has no number of its own. It is filed and looked up by the bank's identifiers: The Central Trust Bank has Federal Reserve RSSD ID 853952 and FDIC certificate number 12633. Either one finds its filings on the FFIEC Central Data Repository.
How often does The Central Trust Bank file a call report?
Every quarter, as of March 31, June 30, September 30 and December 31. The report is due 30 calendar days after the quarter ends, or 35 days for a bank with more than one foreign office.
The Central Trust Bank financial reports and ratios →
New to call reports? What a call report is, every call report code explained, and how the UBPR turns it into ratios.
Regulator records: FDIC BankFind (cert 12633) · FFIEC NIC profile (RSSD 853952)