The Central Trust Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Securities to assets climbed 1.65 percentage points in Q2 2026, from 32.93% to 34.58%. It was the largest change from Q1 2026 among the key lines here. Within Missouri, The Central Trust Bank is 39th of 192 on return on assets, 2.01% as of Q2 2026, above the middle of the field. Against a median of 1.30% for banks in the $10B-100B asset tier, The Central Trust Bank reported 2.01% on return on assets in Q2 2026, 0.72 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 12.69% |
| Tier 1 risk-based capital ratio | 12.69% |
| Total risk-based capital ratio | 13.89% |
| Tier 1 leverage ratio | 7.94% |
| Equity capital to assets | 9.00% |
| Tangible equity to tangible assets | 7.41% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.86% |
| Non-performing assets ratio | 0.50% |
| Net charge-off ratio | 0.10% |
| Texas ratio | 6.42% |
| Allowance for credit losses to loans | 1.29% |
| Reserve coverage of non-performing loans | 149.22% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.01% |
| Return on equity | 22.47% |
| Net interest margin | 4.04% |
| Efficiency ratio | 47.44% |
| Yield on earning assets | 5.36% |
| Cost of funds | 1.11% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 71.33% |
| Core deposits to total deposits | 97.06% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 80.78% |
| Securities to assets | 34.58% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 12.16% | 12.16% | 13.41% | 8.18% | 1.37% |
| Q4 2023 | 12.24% | 12.24% | 13.48% | 8.16% | 0.92% |
| Q1 2024 | 12.43% | 12.43% | 13.68% | 8.17% | 1.45% |
| Q2 2024 | 12.50% | 12.50% | 13.74% | 8.36% | 1.72% |
| Q3 2024 | 12.71% | 12.71% | 13.96% | 8.52% | 1.33% |
| Q4 2024 | 12.56% | 12.56% | 13.81% | 8.33% | 1.10% |
| Q1 2025 | 13.32% | 13.32% | 14.57% | 8.63% | 1.78% |
| Q2 2025 | 13.46% | 13.46% | 14.69% | 8.62% | 1.71% |
| Q3 2025 | 13.57% | 13.57% | 14.80% | 8.76% | 1.85% |
| Q4 2025 | 12.88% | 12.88% | 14.09% | 8.21% | 2.02% |
| Q1 2026 | 12.92% | 12.92% | 14.13% | 7.89% | 1.97% |
| Q2 2026 | 12.69% | 12.69% | 13.89% | 7.94% | 2.01% |
The Central Trust Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The Central Trust Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full The Central Trust Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12633) · FFIEC NIC profile (RSSD 853952)