The Central Trust Bank

BankJefferson City, Missouri
www.centralbank.net

Total Assets

$20.8B

Total Deposits

$16.8B

Branches

172

Established

1902

TFS Health Grade

$
C

75.5 / 100

Average financial health

How we grade

The Central Trust Bank is a bank headquartered in Jefferson City, Missouri, established in 1902. With $20.8B in total assets and 172 branch locations, it has a TFS Financial Health Grade of C (75.5/100).

Capital & Safety

Tier 1 Capital Ratio
8.21%(8%)
Total Capital Ratio
14.09%(10%)
Non-Performing Loan Ratio
0.40%

Profitability

Return on Assets (ROA)
1.82%(1%)
Return on Equity (ROE)
19.28%(10%)
Net Interest Margin
4.00%
Efficiency Ratio
50.05%(60%)

Lending & Liquidity

Total Loans
$11.5B
Loan-to-Deposit Ratio
67.62%
Net Charge-Off Ratio
0.12%

Growth

Asset Growth (YoY)
+8.16%
Deposit Growth (YoY)
+9.51%
Net Income
$357.1M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

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