Central Bank and Trust
Lander, WY
IDRSSD: 903950
Total Assets
$202.10M
Latest filing
Total Deposits
$183.47M
Latest filing
Net Interest Margin
4.60%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
102300404LANDER, WY
Key People
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Locations
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Main Office
Central Bank and Trust
285 Main St
Lander, WY 82520
Full Service - Brick and Mortar
Updated 01/30/2026Established 01/31/1890FDIC Certificate 378
Branches (4)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Central Bank and Trust (Main) | 285 Main St | Lander, WY |
| THERMOPOLIS BRANCH | 435 Arapahoe St | Thermopolis, WY |
| FORT WASHAKIE BRANCH | 14615 Us 287 | Fort Washakie, WY |
| RIVERTON BRANCH | 220 N Federal Blvd | Riverton, WY |
| CHEYENNE BRANCH | 3060 E Lincolnway | Cheyenne, WY |
Showing 4 of 4
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 01/31/1890 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 82520 |
| State and County Number | 56013 |
| Subchapter S Corporations | Yes |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 10 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Kansas City |
| Core Based Statistical Area Name | Riverton, WY |
Operational Info
| Number of Employees | 40 |
| Domestic Offices | 5 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.centralbanktrust.com |
| Data Updated | 01/30/2026 |
| CERT | 529 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $202.10M |
| Total Deposits | $183.47M |
| Total Liabilities | $185.25M |
| Total Equity Capital | $16.86M |
| Net Income | $631.00k |
| Net Loans and Leases | $108.61M |
| Assets Per Employee ($Millions) | $4.93M |
| Bank Premises and Fixed Assets | $2.34M |
| Cash and Balances due from Depository Institutions | $6.49M |
| Deposits Held in Domestic Offices | $183.47M |
Key Performance Ratios
| Return on Assets (ROA) | 1.28% |
| Return on Equity (ROE) | 15.07% |
| Net Interest Margin | 4.6% |
| Efficiency Ratio | 72.39% |
| Tier 1 Risk-Based Capital Ratio | 16.757% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.04% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 8.341% |
| Earning Assets to total Assets | 96.76% |
Income and Expense
| Total Interest Income | $2.46M |
| Total Noninterest Income | $158.00k |
| Total Interest Expense | $261.00k |
| Total Noninterest Expense | $1.71M |
| Net Interest Income | $2.20M |
| Pre-tax Net Operating Income | $631.00k |
| Provision for Credit Losses | $20.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $202.00k |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $1.50M |
| All Other Liabilities | $278.00k |
| Total Liabilities and Capital | $202.10M |
Securities
| Securities | $83.15M |
| Available-for-sale debt securities | $54.88M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $28.28M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Central Bank and Trust?
$202.10M as of the latest filing.
How much are Central Bank and Trust's total deposits?
$183.47M in total deposits.
Where is Central Bank and Trust located?
Lander, WY.
What is the Net Interest Margin?
4.60%.
How many domestic offices does it operate?
5.
When was it established?
01/31/1890.
What is the Return on Assets (ROA)?
1.28%.
How much are total loans and leases?
$108.61M (latest filing).
What is the total interest income (latest filing)?
$2.46M.