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.

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 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%

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.

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

164 branches in 40 counties.

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.

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

Type	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%

Type	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%).

Trailing four quarters, with the peer median.

Noncurrent loans exclude government-guaranteed portions.

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