Banks/FDIC #12633

Regulatory profile

CENTRAL TRUST BANK

Jefferson City, MO · FDIC certificate #12633 · RSSD 853952

History available42 quarters2016-03-31 to 2026-03-31

Legal statusActive

Primary regulatorFED

CharterSM

Peer cohortassets 10b 50b

Locations166

Current parentCENTRAL BANCOMPANY, INC

Performance workbook

Trend, change and peer context in one table

Open the interactive workbook to compare reported quarterly history with national, asset-band and state peers.

Peer interpretation

Strengths and opportunities

$10B–$50B asset cohort · 112 institutions

strengthReturn on assets88thfavorable percentile · n=112

strengthReturn on equity93thfavorable percentile · n=108

strengthNet interest margin77thfavorable percentile · n=112

opportunityEquity to assets15thfavorable percentile · n=108

strengthNoncurrent loans73thfavorable percentile · n=106

strengthLiquid assets88thfavorable percentile · n=108

strengthBrokered deposits100thfavorable percentile · n=107

strengthLoans to deposits86thfavorable percentile · n=107

Deterministic peer comparison, not a regulatory rating or diagnosis. “Opportunity” means lower favorable percentile within this asset cohort.

Reported performance

Current filing

Total assets$20.3B-0.81% QoQ

Total deposits$16.4B-0.04% QoQ

Net loans$11.6B+1.22% QoQ

Return on assets1.99%Current filing

Return on equity22.10%Current filing

Net interest margin4.02%Current filing

Equity to assets9.00%Detailed Call Report

Common equity tier 112.69%Detailed Call Report

Noncurrent loans0.49%Detailed Call Report

Liquid assets38.33%Detailed Call Report

Brokered deposits0.00%Detailed Call Report

Loans to deposits71.33%Detailed Call Report

Available as you continuePortfolio composition and exposure

Available as you continuePortfolio ratio trends

Available as you continueDeposit driver bridge

Available as you continueCall Report schedule explorer

Available as you continueBranch and geographic intelligence

Available as you continueWorkforce and branch productivity

Period-matched peer context

assets 10b 50b

Percentiles use 107 verified constituents for the same filing period.

Brokered deposit ratio0thMedian 0.032 · n=107

Common equity tier 1 ratio37thMedian 0.130 · n=108

Commercial real-estate loans to total loans51thMedian 0.424 · n=106

Efficiency ratio21thMedian 0.564 · n=108

Equity to assets14thMedian 0.117 · n=108

Liquid assets ratio88thMedian 0.224 · n=108

Loan to deposit ratio14thMedian 0.870 · n=107

Nonaccrual loans ratio37thMedian 0.006 · n=106

Ten-year database

Quarterly observations

Available as you continueTRACE historical research workbench

Quarter	Assets	Deposits	Net loans	ROA	ROE	NIM
2026-06-30	$20.3B	$16.4B	$11.6B	1.99%	22.10%	4.02%
2026-03-31	$20.5B	$16.4B	$11.4B	1.96%	21.79%	3.96%
2025-12-31	$20.8B	$16.8B	$11.3B	1.82%	19.28%	4.00%
2025-09-30	$19.2B	$15.2B	$11.2B	1.78%	18.58%	4.00%
2025-06-30	$19.1B	$15.1B	$11.2B	1.75%	18.50%	3.94%
2025-03-31	$19.6B	$15.5B	$11.4B	1.77%	19.12%	3.84%
2024-12-31	$19.2B	$15.3B	$11.5B	1.41%	15.89%	3.52%
2024-09-30	$18.6B	$14.8B	$11.5B	1.52%	17.18%	3.45%
2024-06-30	$18.6B	$14.9B	$11.5B	1.61%	18.67%	3.37%
2024-03-31	$19.0B	$15.3B	$11.4B	1.47%	17.35%	3.33%
2023-12-31	$19.0B	$15.1B	$11.4B	1.29%	15.90%	3.30%
2023-09-30	$18.5B	$14.7B	$11.3B	1.41%	17.57%	3.29%
2023-06-30	$18.6B	$14.8B	$11.3B	1.42%	17.69%	3.28%
2023-03-31	$18.9B	$15.0B	$11.2B	1.46%	18.08%	3.29%
2022-12-31	$19.3B	$15.7B	$11.1B	1.31%	15.31%	2.94%
2022-09-30	$19.4B	$15.8B	$10.9B	1.26%	14.52%	2.83%
2022-06-30	$19.6B	$15.8B	$10.7B	1.22%	13.68%	2.70%
2022-03-31	$19.9B	$15.9B	$10.4B	1.18%	12.95%	2.57%
2021-12-31	$20.2B	$16.2B	$10.2B	1.34%	13.78%	2.72%
2021-09-30	$3.6B	$2.4B	$1.3B	1.30%	17.70%	2.08%
2021-06-30	$3.7B	$2.4B	$1.3B	1.27%	17.01%	2.07%
2021-03-31	$3.5B	$2.4B	$1.3B	1.32%	17.63%	2.06%
2020-12-31	$3.5B	$2.4B	$1.3B	1.53%	20.80%	2.32%
2020-09-30	$3.4B	$2.3B	$1.3B	1.53%	21.01%	2.40%
2020-06-30	$3.5B	$2.3B	$1.3B	1.29%	17.70%	2.52%
2020-03-31	$2.9B	$1.8B	$1.1B	1.16%	15.11%	2.61%
2019-12-31	$2.7B	$1.8B	$1.1B	1.55%	19.50%	2.74%
2019-09-30	$2.6B	$1.8B	$1.1B	1.54%	19.37%	2.70%
2019-06-30	$2.6B	$1.7B	$1.1B	1.65%	20.85%	2.66%
2019-03-31	$2.6B	$1.7B	$1.1B	1.77%	22.65%	2.58%
2018-12-31	$2.6B	$1.8B	$1.1B	1.15%	12.84%	2.55%
2018-09-30	$2.5B	$1.6B	$1.0B	1.39%	14.94%	2.55%
2018-06-30	$2.3B	$1.5B	$1.0B	1.24%	13.22%	2.53%
2018-03-31	$2.4B	$1.6B	$1.0B	1.00%	10.80%	2.41%
2017-12-31	$2.5B	$1.7B	$1.0B	1.09%	12.49%	2.31%
2017-09-30	$2.5B	$1.7B	$1.0B	0.93%	10.75%	2.29%
2017-06-30	$2.6B	$1.6B	$1.0B	0.92%	10.88%	2.23%
2017-03-31	$2.7B	$1.7B	$1.0B	0.92%	11.02%	2.18%
2016-12-31	$2.7B	$1.7B	$0.9B	0.88%	10.69%	2.13%
2016-09-30	$2.7B	$1.7B	$1.0B	0.89%	10.80%	2.13%
2016-06-30	$2.8B	$1.7B	$0.9B	0.87%	10.57%	2.13%
2016-03-31	$2.6B	$1.6B	$0.9B	0.85%	10.29%	2.12%

Ownership, transformations and revisions

Entity history

NIC relationships are time-bounded. Reviewed filing revisions remain distinct from mergers.

Parent relationships

CENTRAL BANCOMPANY, INCRSSD 1094314 · 1973-12-31 to current

CENTRAL BANCOMPANY, INCRSSD 1094314 · 1971-12-30 to 1973-12-30

Transformations

2021-12-31RSSD 2898818 → 853952 · code 1

2021-10-01RSSD 2826316 → 853952 · code 1

2021-10-01RSSD 1015243 → 853952 · code 1

2021-10-01RSSD 997650 → 853952 · code 1

2021-10-01RSSD 934954 → 853952 · code 1

2021-10-01RSSD 290052 → 853952 · code 1

Reviewed revisions

No reviewed revisions published.

Latest registered batch · retrieved 8/27/2026, 10:51:00 AM · SHA-256 56519b9e6ae2ada5757ec111f52c6451d5e31d6d47a52fdcf0bf38acf129fcaa · source ↗

Put it in context

Compare and investigate

Use consistent definitions, then verify material findings against the official filing.

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Quarter

Assets

Deposits

Net loans

ROA

ROE

NIM

2026-06-30

$20.3B

$16.4B

$11.6B

1.99%

22.10%

4.02%

2026-03-31

$20.5B

$16.4B

$11.4B

1.96%

21.79%

3.96%

2025-12-31

$20.8B

$16.8B

$11.3B

1.82%

19.28%

4.00%

2025-09-30

$19.2B

$15.2B

$11.2B

1.78%

18.58%

4.00%

2025-06-30

$19.1B

$15.1B

$11.2B

1.75%

18.50%

3.94%

2025-03-31

$19.6B

$15.5B

$11.4B

1.77%

19.12%

3.84%

2024-12-31

$19.2B

$15.3B

$11.5B

1.41%

15.89%

3.52%

2024-09-30

$18.6B

$14.8B

$11.5B

1.52%

17.18%

3.45%

2024-06-30

$18.6B

$14.9B

$11.5B

1.61%

18.67%

3.37%

2024-03-31

$19.0B

$15.3B

$11.4B

1.47%

17.35%

3.33%

2023-12-31

$19.0B

$15.1B

$11.4B

1.29%

15.90%

3.30%

2023-09-30

$18.5B

$14.7B

$11.3B

1.41%

17.57%

3.29%

2023-06-30

$18.6B

$14.8B

$11.3B

1.42%

17.69%

3.28%

2023-03-31

$18.9B

$15.0B

$11.2B

1.46%

18.08%

3.29%

2022-12-31

$19.3B

$15.7B

$11.1B

1.31%

15.31%

2.94%

2022-09-30

$19.4B

$15.8B

$10.9B

1.26%

14.52%

2.83%

2022-06-30

$19.6B

$15.8B

$10.7B

1.22%

13.68%

2.70%

2022-03-31

$19.9B

$15.9B

$10.4B

1.18%

12.95%

2.57%

2021-12-31

$20.2B

$16.2B

$10.2B

1.34%

13.78%

2.72%

2021-09-30

$3.6B

$2.4B

$1.3B

1.30%

17.70%

2.08%

2021-06-30

$3.7B

$2.4B

$1.3B

1.27%

17.01%

2.07%

2021-03-31

$3.5B

$2.4B

$1.3B

1.32%

17.63%

2.06%

2020-12-31

$3.5B

$2.4B

$1.3B

1.53%

20.80%

2.32%

2020-09-30

$3.4B

$2.3B

$1.3B

1.53%

21.01%

2.40%

2020-06-30

$3.5B

$2.3B

$1.3B

1.29%

17.70%

2.52%

2020-03-31

$2.9B

$1.8B

$1.1B

1.16%

15.11%

2.61%

2019-12-31

$2.7B

$1.8B

$1.1B

1.55%

19.50%

2.74%

2019-09-30

$2.6B

$1.8B

$1.1B

1.54%

19.37%

2.70%

2019-06-30

$2.6B

$1.7B

$1.1B

1.65%

20.85%

2.66%

2019-03-31

$2.6B

$1.7B

$1.1B

1.77%

22.65%

2.58%

2018-12-31

$2.6B

$1.8B

$1.1B

1.15%

12.84%

2.55%

2018-09-30

$2.5B

$1.6B

$1.0B

1.39%

14.94%

2.55%

2018-06-30

$2.3B

$1.5B

$1.0B

1.24%

13.22%

2.53%

2018-03-31

$2.4B

$1.6B

$1.0B

1.00%

10.80%

2.41%

2017-12-31

$2.5B

$1.7B

$1.0B

1.09%

12.49%

2.31%

2017-09-30

$2.5B

$1.7B

$1.0B

0.93%

10.75%

2.29%

2017-06-30

$2.6B

$1.6B

$1.0B

0.92%

10.88%

2.23%

2017-03-31

$2.7B

$1.7B

$1.0B

0.92%

11.02%

2.18%

2016-12-31

$2.7B

$1.7B

$0.9B

0.88%

10.69%

2.13%

2016-09-30

$2.7B

$1.7B

$1.0B

0.89%

10.80%

2.13%

2016-06-30

$2.8B

$1.7B

$0.9B

0.87%

10.57%

2.13%

2016-03-31

$2.6B

$1.6B

$0.9B

0.85%

10.29%

2.12%