The Central Trust Bank: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
The Central Trust Bank is an FDIC-insured commercial bank. Returns are notably above industry norms: 2.01% ROA, 22.47% ROE, and 4.04% NIM. The Q2 2026 balance sheet stands at $20.3B in assets, including $11.7B in loans. Regulatory capital is solid, 12.69% CET1 and 13.89% total risk-based capital ratio. Asset quality is solid, 0.86% nonperforming loans and a 6.42% Texas Ratio. A 166-branch network serves customers across multiple states.
As of June 30, 2026, The Central Trust Bank reported a CET1 capital ratio of 12.69%, a return on assets of 2.01%, a nonperforming-loan ratio of 0.86%, a Texas ratio of 6.42%, per financial data filed with the FFIEC.
Headquarters Profile
- Address
- 238 Madison St, Jefferson City, MO 65101
- County
- Cole
- Metro Area
- Jefferson City, MO
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- Trust powers grandfathered
- Call Report form
- FFIEC 041
- Established
- February 3, 1902
- Former names
- The Central Trust Bank (1969)
- Offices
- 166 domestic
- Employees (FTE)
- 2,971
- Domestic deposits
- $16.41B
- Allowance for credit losses
- $150.4M
- Net charge-offs (YTD)
- $5.9M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 12633
- Fed RSSD
- 853952
- SEC CIK
- 2065601 → filed by CENTRAL BANCOMPANY, INC
- Website
- www.centralbank.net →
- Parent Holding Company
- CENTRAL BANCOMPANY, INC (RSSD 1094314) · CBC
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Ross John Thomas | CEO | President, CEO |
| Ciroli James | CFO | EVP & CFO |
| Cook Sam Bryan | CHR | Executive Chairman |
| Hallgren Eric Andrew | CCO | EVP & Chief Credit Officer |
| Goldammer Russell Lee | CIO | EVP & CIO |
| Schoeneberg Carey Denise | CRO | SVP & Chief Risk Officer |
Profitability
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full The Central Trust Bank terminal
25 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock The Central Trust Bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
The Central Trust Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.69% | 2.01% | 0.86% | 6.42% | 4.04% |
| Q1 2026 | 12.92% | 1.97% | 0.87% | 6.26% | 3.94% |
| Q4 2025 | 12.88% | 2.02% | 0.80% | 5.84% | 4.10% |
| Q3 2025 | 13.57% | 1.85% | 0.89% | 6.26% | 4.09% |
| Q2 2025 | 13.46% | 1.71% | 0.72% | 5.23% | 3.94% |
| Q1 2025 | 13.32% | 1.78% | 0.68% | 5.04% | 3.81% |
| Q4 2024 | 12.56% | 1.10% | 0.51% | 4.37% | 3.71% |
| Q3 2024 | 12.71% | 1.33% | 0.42% | 3.66% | 3.54% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 164 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| The Central Trust Bank | Jefferson City , MO | 65101 | $2.38B |
| Central Bank of Boone County Market Branch | Columbia , MO | 65201 | $1.26B |
| Central Bank of St. Louis Market Branch | Clayton , MO | 63105 | $654.2M |
| Central Bank of the Ozarks Market Branch | Springfield , MO | 65804 | $471.3M |
| Jefferson Bank of Missouri Market Branch | Jefferson City , MO | 65109 | $410.4M |
| Des Peres Branch | Des Peres , MO | 63131 | $361.8M |
| Central Motor Branch | Jefferson City , MO | 65101 | $319.4M |
| Central Bank of Midwest Market Branch | Lees Summit , MO | 64086 | $317.6M |
| Central Bank of Lake of the Ozarks Market Branch | Osage Beach , MO | 65065 | $307.0M |
| Jefferson City Branch | Jefferson City , MO | 65101 | $280.3M |
| Central Bank of Branson Market Branch | Branson , MO | 65616 | $272.7M |
| Bank of Sedalia Market Branch | Sedalia , MO | 65301 | $264.0M |
| Camdenton Branch | Camdenton , MO | 65020 | $222.7M |
| Central Bank of Warrensburg Market Branch | Warrensburg , MO | 64093 | $217.7M |
| Central Bank of Moberly Market Branch | Moberly , MO | 65270 | $197.8M |
| College Boulevard Branch | Overland Park , KS | 66210 | $194.8M |
| Fulton Branch | Fulton , MO | 65251 | $189.1M |
| Downtown Lawrence Branch | Lawrence , KS | 66044 | $186.7M |
| Central Bank West Branch | Jefferson City , MO | 65109 | $184.2M |
| South National Facility | Springfield , MO | 65807 | $176.9M |
| Platte City Main Bank Branch | Platte City , MO | 64079 | $175.7M |
| Main Bank - Gardner Branch | Gardner , KS | 66030 | $160.4M |
| Colorado Springs Branch | Colorado Springs , CO | 80918 | $158.0M |
| Www.Centralbank.Net Branch | Columbia , MO | 65202 | $155.4M |
| Chesterfield Branch | Chesterfield , MO | 63017 | $147.7M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| December 31, 2021 | Structure Change | Acquired Central Mortgage Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 1, 2021 | M&A | merger | SEC |
| October 1, 2021 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 1, 2021 | Structure Change | Acquired Central Bank of The Ozarks Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 16, 1999 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 16, 1999 | Structure Change | Acquired Fulton Savings Bank, FSB Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 12, 1999 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 10, 1999 | Structure Change | Acquired The Farmers and Traders Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 17, 1985 | Structure Change | Acquired The Central Lake State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 13, 1985 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 10 events.
Regulatory record
What the public regulatory sources show for The Central Trust Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 5.2% of deposits in MO, rank 6 of 253 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 10,810 applications, 7,285 loans originated, $2.09B originated, across 48 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- Consumer complaints
- 43 complaints in the last 4 full quarters. Raw counts, not adjusted for size
- Period: 2025-Q4 to 2026-Q3. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about The Central Trust Bank
What are The Central Trust Bank's total assets?
As of the Q2 2026 filing, The Central Trust Bank reported total assets of $20.31 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is The Central Trust Bank headquartered?
The Central Trust Bank is headquartered in Jefferson City, MO, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was The Central Trust Bank founded?
The Central Trust Bank was established in 1902, per the FDIC institution directory.
Is The Central Trust Bank FDIC-insured?
Yes. The Central Trust Bank is an FDIC-insured commercial bank (FDIC Certificate #12633). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Central Trust Bank?
The Central Trust Bank's primary federal regulator is the Federal Reserve. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is The Central Trust Bank's CET1 capital ratio?
The Central Trust Bank reported a Common Equity Tier 1 (CET1) capital ratio of 12.69% in its Q2 2026 call report, above regulatory requirements.
How many branches does The Central Trust Bank operate?
The Central Trust Bank operates 166 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The Central Trust Bank's Texas Ratio?
The Central Trust Bank's Texas Ratio is 6.42% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was The Central Trust Bank previously called?
The charter now named The Central Trust Bank has also operated as The Central Trust Bank (1969), per FDIC structure-change records.
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