Central Bank and Trust
Lander, WY
IDRSSD: 903950
Total Assets
$192.79M
Latest filing
Total Deposits
$172.92M
Latest filing
Net Interest Margin
4.23%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Central Bank and Trust
285 Main St
Lander, WY 82520
Full Service - Brick and Mortar
Updated 11/14/2025Established 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 | 39 |
| 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 | 11/14/2025 |
| CERT | 529 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $192.79M |
| Total Deposits | $172.92M |
| Total Liabilities | $176.15M |
| Total Equity Capital | $16.64M |
| Net Income | $847.00k |
| Net Loans and Leases | $106.53M |
| Assets Per Employee ($Millions) | $4.82M |
| Bank Premises and Fixed Assets | $2.37M |
| Cash and Balances due from Depository Institutions | $6.14M |
| Deposits Held in Domestic Offices | $172.92M |
Key Performance Ratios
| Return on Assets (ROA) | 1.73% |
| Return on Equity (ROE) | 20.48% |
| Net Interest Margin | 4.23% |
| Efficiency Ratio | 60.69% |
| Tier 1 Risk-Based Capital Ratio | 17.105% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 8.63% |
| Earning Assets to total Assets | 96.81% |
Income and Expense
| Total Interest Income | $2.26M |
| Total Noninterest Income | $159.00k |
| Total Interest Expense | $261.00k |
| Total Noninterest Expense | $1.31M |
| Net Interest Income | $2.00M |
| Pre-tax Net Operating Income | $847.00k |
| Provision for Credit Losses | $1.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $202.00k |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $3.00M |
| All Other Liabilities | $226.00k |
| Total Liabilities and Capital | $192.79M |
Securities
| Securities | $76.28M |
| Available-for-sale debt securities | $41.78M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $34.50M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Central Bank and Trust?
$192.79M as of the latest filing.
How much are Central Bank and Trust's total deposits?
$172.92M in total deposits.
Where is Central Bank and Trust located?
Lander, WY.
What is the Net Interest Margin?
4.23%.
How many domestic offices does it operate?
5.
When was it established?
01/31/1890.
What is the Return on Assets (ROA)?
1.73%.
How much are total loans and leases?
$106.53M (latest filing).
What is the total interest income (latest filing)?
$2.26M.