The Central Trust Bank
Jefferson City, MO
IDRSSD: 853952
Total Assets
$20.80B
Latest filing
Total Deposits
$16.77B
Latest filing
Net Interest Margin
4.09%
Profitability
Key People
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Locations
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Main Office
The Central Trust Bank
238 Madison St
Jefferson City, MO 65101
Full Service - Brick and Mortar
Updated 01/30/2026Established 02/03/1902FDIC Certificate 8021
Branches (171)
Page 1 of 25| Name | Address | City / State |
|---|---|---|
| The Central Trust Bank (Main) | 238 Madison St | Jefferson City, MO |
| BELTON BRANCH | 204 Main St | Belton, MO |
| PLEASANT HOPE BRANCH | 103 S Main St | Pleasant Hope, MO |
| CENTRAL BANK OF BRANSON MARKET BRANCH | 400 South Commercial Street | Branson, MO |
| DOWNTOWN LAWRENCE BRANCH | 9th And Kentucky Streets | Lawrence, KS |
| HALLSVILLE BRANCH | 105 N Route B | Hallsville, MO |
| CENTRAL BANK OF THE OZARKS MARKET BRANCH | 1800 S Glenstone Ave | Springfield, MO |
| NIXA BRANCH | 502 W Mount Vernon St | Nixa, MO |
Showing 7 of 171
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 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 | 2,911 |
| 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 | 01/30/2026 |
| CERT | 12633 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $20.80B |
| Total Deposits | $16.77B |
| Total Liabilities | $18.93B |
| Total Equity Capital | $1.87B |
| Net Income | $99.72M |
| Net Loans and Leases | $11.34B |
| Assets Per Employee ($Millions) | $7.16M |
| Bank Premises and Fixed Assets | $212.20M |
| Cash and Balances due from Depository Institutions | $2.06B |
| Deposits Held in Domestic Offices | $16.77B |
Key Performance Ratios
| Return on Assets (ROA) | 2% |
| Return on Equity (ROE) | 21.05% |
| Net Interest Margin | 4.09% |
| Efficiency Ratio | 47.84% |
| Tier 1 Risk-Based Capital Ratio | 12.881% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.06% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 9.011% |
| Earning Assets to total Assets | 93.84% |
Income and Expense
| Total Interest Income | $255.29M |
| Total Noninterest Income | $63.64M |
| Total Interest Expense | $63.61M |
| Total Noninterest Expense | $122.95M |
| Net Interest Income | $191.68M |
| Pre-tax Net Operating Income | $129.35M |
| Provision for Credit Losses | $3.02M |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $4.35M |
| Other borrowed funds | $1.01B |
| Federal Funds Sold & Reverse Repurchase Agreement | $340.00k |
| Federal Funds Purchased and Repurchased Agreement | $1.01B |
| All Other Liabilities | $135.86M |
| Total Liabilities and Capital | $20.80B |
Securities
| Securities | $6.37B |
| Available-for-sale debt securities | $6.37B |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $1.70M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of The Central Trust Bank?
$20.80B as of the latest filing.
How much are The Central Trust Bank's total deposits?
$16.77B in total deposits.
Where is The Central Trust Bank located?
Jefferson City, MO.
What is the Net Interest Margin?
4.09%.
How many domestic offices does it operate?
180.
When was it established?
02/03/1902.
What is the Return on Assets (ROA)?
2%.
How much are total loans and leases?
$11.34B (latest filing).
What is the total interest income (latest filing)?
$255.29M.