The Central Trust Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Accumulated other comprehensive income dropped 16.0% in Q2 2026, from -$74.3M to -$86.2M. It was the largest change from Q1 2026 among the key lines here. Within Missouri, The Central Trust Bank is 60th of 98 on CET1 ratio, 12.69% as of Q2 2026, below the middle of the field. At 12.69%, The Central Trust Bank's CET1 ratio is close to the 12.96% median for banks in the $10B-100B asset tier (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 12.69% |
| Tier 1 risk-based capital ratio | 12.69% |
| Total risk-based capital ratio | 13.89% |
| Tier 1 leverage ratio | 7.94% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $1.60B |
| Tier 1 capital | $1.60B |
| Total risk-based capital | $1.75B |
| Total equity capital | $1.83B |
| Risk-weighted assets | $12.60B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.00% |
| Tangible equity to tangible assets | 7.41% |
| Equity capital to average assets | 8.94% |
| Internal capital growth rate | 0.65% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $4.0M |
| Common stock surplus | $864.6M |
| Retained earnings | $1.05B |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$86.2M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 12.16% | 12.16% | 13.41% | 8.18% | $12.57B |
| Q4 2023 | 12.24% | 12.24% | 13.48% | 8.16% | $12.44B |
| Q1 2024 | 12.43% | 12.43% | 13.68% | 8.17% | $12.41B |
| Q2 2024 | 12.50% | 12.50% | 13.74% | 8.36% | $12.53B |
| Q3 2024 | 12.71% | 12.71% | 13.96% | 8.52% | $12.38B |
| Q4 2024 | 12.56% | 12.56% | 13.81% | 8.33% | $12.35B |
| Q1 2025 | 13.32% | 13.32% | 14.57% | 8.63% | $12.30B |
| Q2 2025 | 13.46% | 13.46% | 14.69% | 8.62% | $12.20B |
| Q3 2025 | 13.57% | 13.57% | 14.80% | 8.76% | $12.18B |
| Q4 2025 | 12.88% | 12.88% | 14.09% | 8.21% | $12.37B |
| Q1 2026 | 12.92% | 12.92% | 14.13% | 7.89% | $12.35B |
| Q2 2026 | 12.69% | 12.69% | 13.89% | 7.94% | $12.60B |
The Central Trust Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock The Central Trust Bank, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full The Central Trust Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12633) · FFIEC NIC profile (RSSD 853952)