Institution Class	Commercial bank, state charter, Fed member, supervised by FRB
Primary Regulator	FED
Established Date	02/03/1902
Community Bank	No
Ownership Type	Not Mutual
ZIP	65101
State and County Number	29051
Subchapter S Corporations	No
Trust Powers	Trust Powers Grandfathered
Federal Reserve ID Number	08
Numeric code	13
Insured by FDIC	Institutions that are currently open and insured by the FDIC
Federal Reserve District	Kansas City
Core Based Statistical Area Name	Jefferson City, MO

Operational Info

Number of Employees	2,929
Domestic Offices	180
Foreign Offices	0
US Offices	0
Directly owned by another bank (CERT)	No
Last Structure Change Effective Date	06/30/2024
Date of Deposit Insurance	01/01/1934
Primary Insurance Agency	DIF
Website	www.centralbank.net
Data Updated	11/14/2025
CERT	12633
Office of The Comptroller District:	—
Office of Thrift Supervision Region	N/A

Financial Summary

Total Assets	$19.19B
Total Deposits	$15.16B
Total Liabilities	$17.27B
Total Equity Capital	$1.92B
Net Income	$88.72M
Net Loans and Leases	$11.20B
Assets Per Employee ($Millions)	$6.59M
Bank Premises and Fixed Assets	$211.15M
Cash and Balances due from Depository Institutions	$1.03B
Deposits Held in Domestic Offices	$15.16B

Return on Assets (ROA)	1.86%
Return on Equity (ROE)	18.68%
Net Interest Margin	4.14%
Efficiency Ratio	49.21%
Tier 1 Risk-Based Capital Ratio	13.569%
Net Loans and Leases to Core Deposits	0%
Credit Loss Provision to Assets	0.07%
Cash Dividends to Net Income (YTD Only)	0%
Equity Capital to Assets	9.988%
Earning Assets to total Assets	93.69%

Total Interest Income	$248.55M
Total Noninterest Income	$62.36M
Total Interest Expense	$63.35M
Total Noninterest Expense	$122.64M
Net Interest Income	$185.20M
Pre-tax Net Operating Income	$121.55M
Provision for Credit Losses	$3.38M
Discontinued Operations (Extraordinary Gains - Net)	$0

Goodwill and Other Intangibles	$0
All Other Assets	$0
Other Real Estate Owned	$5.18M
Other borrowed funds	$980.00M
Federal Funds Sold & Reverse Repurchase Agreement	$788.00k
Federal Funds Purchased and Repurchased Agreement	$958.77M
All Other Liabilities	$168.03M
Total Liabilities and Capital	$19.19B

Securities	$5.97B
Available-for-sale debt securities	$5.96B
Equity securities with readily determinable fair values not held for trading	$0
Held-to-maturity securities	$2.79M
Subordinated Debt	$0
Trading Account Assets	$0
Trading Liabilities	$0

What are the total assets of The Central Trust Bank?

$19.19B as of the latest filing.

How much are The Central Trust Bank's total deposits?

$15.16B in total deposits.

Where is The Central Trust Bank located?

Jefferson City, MO.

What is the Net Interest Margin?

4.14%.

How many domestic offices does it operate?

180.

When was it established?

02/03/1902.

What is the Return on Assets (ROA)?

1.86%.

How much are total loans and leases?

$11.20B (latest filing).

What is the total interest income (latest filing)?

$248.55M.