The Central Trust Bank
Jefferson City, Missouri, Cole County
$20.3B in total assets, the 108th largest of 4,309 US banks and 3rd of 195 headquartered in Missouri.
- FDIC certificate
- 12633
- Established
- 1902
- Owned by
- Central Bancompany Inc
- Primary regulator
- FED
- Website
- www.centralbank.net
At a glance
Compared with 132 US banks with $10 billion to $100 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $20.3B | 43% | $22.5B | |
| Loans | $11.7B | 31% | $14.5B | |
| Deposits | $16.4B | 43% | $18.4B | |
| Return on assets | 1.97% | 92% | 1.29% | |
| Net interest margin | 4.02% | 79% | 3.61% | |
| Efficiency ratio | 47.5% | 22% | 55.2% | |
| Equity to assets | 9.00% | 15% | 11.60% | |
| Loans to deposits | 71% | 16% | 87% |
Growth
Total assets grew 40.5% a year over the last 5 years and 22.1% a year over 10 years, including 12 acquisitions in the last 10 years.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Oct 2021 | CENTRAL BANK OF ST. LOUIS Clayton, MO, an affiliate under the same holding company | $2.4B |
| Oct 2021 | Central Bank of Boone County Columbia, MO, an affiliate under the same holding company | $2.8B |
| Oct 2021 | Central Bank of Audrain County Mexico, MO, an affiliate under the same holding company | $225M |
| Oct 2021 | Central Bank of Sedalia Sedalia, MO, an affiliate under the same holding company | $559M |
| Oct 2021 | Central Bank of Moberly Moberly, MO, an affiliate under the same holding company | $257M |
| Oct 2021 | Central Bank of Branson Branson, MO, an affiliate under the same holding company | $554M |
| Oct 2021 | Central Bank of The Ozarks Springfield, MO, an affiliate under the same holding company | $1.9B |
| Oct 2021 | Jefferson Bank of Missouri Jefferson City, MO, an affiliate under the same holding company | $816M |
| Oct 2021 | Central Bank of Warrensburg Warrensburg, MO, an affiliate under the same holding company | $359M |
| Oct 2021 | Central Bank of the Midwest Lees Summit, MO, an affiliate under the same holding company | $4.1B |
| Oct 2021 | Central Bank of Lake of the Ozarks Osage Beach, MO, an affiliate under the same holding company | $1.1B |
| Oct 2021 | Central Bank of Oklahoma Tulsa, OK, an affiliate under the same holding company | $744M |
| Dec 1999 | Fulton Savings Bank, FSB Fulton, MO | $117M |
| Apr 1999 | The Farmers and Traders Bank California, MO, an affiliate under the same holding company | $59M |
| Dec 1985 | The Central Lake State Bank Lake Ozark, MO | n/a |
Where they operate
164 branches in 40 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Cole County, MO | $3.8B | 64.9% | 1 of 12 |
| Boone County, MO | $2.2B | 37.3% | 1 of 23 |
| St. Louis County, MO | $1.5B | 3.1% | 9 of 55 |
| Greene County, MO | $1.3B | 9.4% | 4 of 35 |
| Jackson County, MO | $966M | 1.8% | 6 of 43 |
| Johnson County, KS | $792M | 3.0% | 11 of 60 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net gain of 150 branches since 2016 (14 to 164, +1071.4%). 15 opened, 155 acquired, 20 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 14 | |||
| 2018 | Opened Colorado Springs and New Bloomfield | 2 | 0 | +2 | 16 |
| 2019 | Opened Durango and Greenwood Village | 2 | 0 | +2 | 18 |
| 2021 | Acquired 12 banksClosed 14 in Missouri | 155 | 14 | +141 | 159 |
| 2022 | Opened 3 in 3 statesClosed 3 in 2 states | 3 | 3 | 0 | 159 |
| 2023 | Opened Westminster | 1 | 0 | +1 | 160 |
| 2024 | Opened Kansas CityClosed Jefferson City | 1 | 2 | −1 | 159 |
| 2025 | Opened Olathe and WentzvilleClosed Camdenton | 2 | 1 | +1 | 160 |
| 2026 through Q2 | Opened 4 in 2 states | 4 | 0 | +4 | 164 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Commercial real estate | 32% | 25% | |
| 1-4 family residential | 31% | 21% | |
| Business (C&I) | 10% | 17% | |
| Construction and land | 8% | 6% | |
| Multifamily | 7% | 8% | |
| Consumer | 5% | 10% | |
| Farmland | 3% | 1% | |
| Other | 4% | 13% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 56% | 62% | |
| Noninterest-bearing | 35% | 20% | |
| Time deposits | 9% | 18% |
Brokered deposits are 0.0% of deposits (peers 7.3%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 0.48% | 0.63% |
| Net charge-offs, annualized | 0.10% | 0.14% |
| Reserves to loans | 1.29% | 1.14% |
| Leverage ratio | 7.94% | 10.26% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Missouri
Largest competitors in Cole County, MO
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/banks/central-trust-bank-jefferson-city-mo