Bank Comparison
Bank 21 vs Central Bank and Trust
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
7 · 9
winning metrics across 16 scored rows
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Capital adequacy
| Metric | Bank 21 | Central Bank and Trust |
|---|---|---|
| CET1 Ratio | 12.58% | 17.17% |
| Tier 1 Capital Ratio | 12.58% | 17.17% |
| Total Capital Ratio | 13.83% | 17.97% |
| Tier 1 Leverage Ratio | 11.51% | 8.56% |
| Equity / Assets | 11.17% | 8.50% |
Profitability
| Metric | Bank 21 | Central Bank and Trust |
|---|---|---|
| Return on Assets (ROA) | 2.78% | 2.34% |
| Return on Equity (ROE) | 24.28% | 27.74% |
| Net Interest Margin (NIM) | 5.27% | 4.65% |
| Yield on Earning Assets | 7.22% | 5.30% |
| Cost of Funds | 2.12% | 0.70% |
Asset quality
| Metric | Bank 21 | Central Bank and Trust |
|---|---|---|
| Texas Ratio | 4.42% | 0.02% |
| Non-Performing Loan Ratio | 0.05% | 0.00% |
| Non-Performing Asset Ratio | 0.54% | 0.00% |
| Net Charge-Off Ratio | 0.01% | 0.03% |
| ACL / Loans | 1.28% | 0.73% |
Balance sheet
| Metric | Bank 21 | Central Bank and Trust |
|---|---|---|
| Total Assets | $202.1M | $202.5M |
| Total Deposits | $164.7M | $182.3M |
| Total Loans | $182.8M | $111.8M |
| Total Equity | $22.6M | $17.2M |
| Net Income (quarter) | $1.4M | $1.2M |
Liquidity & funding
| Metric | Bank 21 | Central Bank and Trust |
|---|---|---|
| Loan-to-Deposit Ratio | 110.99% | 61.31% |
| Core Deposit Ratio | 94.04% | 97.78% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Bank 21 | Central Bank and Trust |
|---|---|---|
| Headquarters City | Carrollton | Lander |
| Headquarters State | MO | WY |
| Asset Tier | $100M to $1B in assets | $100M to $1B in assets |
| Regulator | FDIC | FDIC |
| Domestic Branches | 5 | 5 |
| Employees (FTE) | 33 | 40 |
| Established | August 12, 1912 | January 31, 1890 |
About this comparison
All metrics are sourced from FFIEC call report filings, the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of June 30, 2026. The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio. Size and identity rows (assets, deposits, loans, equity, branches, employees) are shown for context and are not scored, and two values that match at the precision shown count as a tie.
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