The Central Trust Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks The Central Trust Bank of Jefferson City, MO against its peer group of 134 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 2.01% | 1.39% | +0.62% | 91st top |
| ROAE | 22.47% | 12.15% | +10.32% | 93rd top |
| Net Interest Margin | 4.04% | 3.81% | +0.23% | 82nd top |
| Efficiency Ratio | 47.44% | 54.29% | -6.85% | 75th top |
| PPNR / Avg Assets | 2.68% | 2.04% | +0.64% | 88th top |
| Yield on Earning Assets Behind the peer average, ahead of the median peer. | 5.36% | 5.71% | -0.35% | 50th above |
| Cost of Funds | 1.11% | 2.03% | -0.92% | 93rd top |
| Net Interest Spread | 3.34% | 3.12% | +0.22% | 78th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.86% | 0.98% | -0.12% | 49th below |
| NPA / Total Assets | 0.50% | 0.72% | -0.22% | 61st above |
| NCO / Avg Loans | 0.10% | 0.33% | -0.23% | 57th above |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.29% | 1.39% | -0.10% | 68th above |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 149.22% | 235.93% | -86.71% | 51st above |
| Texas Ratio | 6.42% | 8.89% | -2.47% | 51st above |
| Provision / NCO Behind the peer average, ahead of the median peer. | 112.54% | 123.37% | -10.83% | 59th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 12.69% | 15.67% | -2.98% | 42nd below |
| Tier 1 Ratio | 12.69% | 15.80% | -3.11% | 41st below |
| Total Capital Ratio | 13.89% | 16.93% | -3.04% | 37th below |
| Leverage Ratio | 7.94% | 10.52% | -2.58% | 7th bottom |
| Equity / Assets | 9.00% | 11.73% | -2.73% | 14th bottom |
| TCE / Tangible Assets | 7.41% | 9.74% | -2.33% | 10th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 71.33% | 84.68% | -13.35% | 85th top |
| Core Deposit Ratio | 97.06% | 86.54% | +10.52% | 90th top |
| Uninsured Deposit Ratio Behind the peer average, ahead of the median peer. | 38.43% | 36.83% | +1.60% | 52nd above |
| Wholesale Funding Ratio | 9.47% | 5.81% | +3.66% | 15th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 6.49% | 11.97% | -5.48% | 58th above |
| Loan Growth (Y/Y) | 3.28% | 11.42% | -8.14% | 32nd below |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 8.87% | 11.35% | -2.48% | 65th above |
See The Central Trust Bank's peers by name
The 134 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The Central Trust Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full The Central Trust Bank profile, how to read a UBPR, or how this data updates.