Total Assets
$202M
Total balance-sheet footings
FDIC Cert #529 · Lander, Wyoming · Est. 1890
Central Bank and Trust - FDIC Bank Health Profile
A community-scale look at Central Bank and Trust's own numbers, pulled straight from its quarterly FDIC Call Report.
- $202M
- Total assets
- A
- Health grade · Excellent
- 1.65%
- Return on assets
- 16.8%
- Tier 1 capital
Data updated July 2026
The verdict
Central Bank and Trust earns a PlainBankData health grade of A (93/100), with well-capitalized at 16.76% Tier 1, profitable at 1.65% ROA, 62% efficiency ratio.
- #2,995
- largest of 4,313 FDIC banks by assets
- 31st
- percentile by asset size, nationally
- 16.76%
- Tier 1 ratio - above the 10% well-capitalized line
- 81st
- percentile for profitability (ROA), nationally
This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.
How Central Bank and Trust's 93/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Central Bank and Trust's composite health score
Tier 1 Capital Ratio (16.76%) 40/40
Return on Assets (ROA) (1.65%) 25/25
Texas Ratio (0.01%) 20/20
Efficiency Ratio (62.30%) 8/15
93 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$183M
Customer-funded liabilities
Net Loans
$109M
Outstanding loan book
Net Income
$3M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Central Bank and Trust ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Central Bank and Trust's score of 93/100 falls in the highlighted band.
Central Bank and Trust's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Central Bank and Trust's $202M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
16.76% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
16.76%
Texas Ratio
0.01%
Equity Capital
$17M
Profitability metrics
Return on Assets (ROA)
81st percentile nationally
1.65%
Return on Equity (ROE)
19.74%
Efficiency Ratio
62.30%
What the numbers say about Central Bank and Trust
Central Bank and Trust is an FDIC-insured institution (Certificate #529) headquartered in Lander, Wyoming, established in 1890. It holds $202M in total assets - 2,995th of 4,313 FDIC-insured banks, $183M in customer deposits, and $109M in net loans. Its capital position: a Tier 1 ratio of 16.76%, meeting the 10% federal well-capitalized bar, alongside a Texas Ratio of 0.01% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of A (93 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Central Bank and Trust sits 19th of 24 banks headquartered in Wyoming by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$9M
Interest Income
$608K
Non-Interest Income
$6M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Central Bank and Trust reports a Texas Ratio of 0.01% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
0.01% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Wyoming by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Central Bank and Trust (FDIC Cert #529) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Wyoming
All Wyoming banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Pinnacle Bank - WyomingCody | $1.3B | A | 1.28% |
| Hilltop National BankCasper | $1.2B | A | 1.72% |
| The Converse County BankDouglas | $1.1B | A | 1.14% |
| First Northern Bank of WyomingBuffalo | $894M | B | 1.13% |
| Platte Valley BankTorrington | $783M | B | 1.46% |
| First National Bank of GilletteGillette | $626M | A | 1.35% |
| First Federal Bank & TrustSheridan | $611M | C | 0.43% |
| Jonah Bank of WyomingCasper | $558M | B | 1.92% |
Frequently asked questions
What is Central Bank and Trust's health grade?▼
Central Bank and Trust receives a health grade of A (93/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is Central Bank and Trust?▼
Central Bank and Trust holds $202M in total assets and $183M in deposits, ranking 2,995th of 4,313 FDIC-insured banks by asset size. It is headquartered in Lander, Wyoming.
Is my money safe at Central Bank and Trust?▼
Yes, deposits at Central Bank and Trust (Certificate #529) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Central Bank and Trust's Tier 1 Capital Ratio?▼
Central Bank and Trust has a Tier 1 Capital Ratio of 16.76%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Central Bank and Trust?▼
Central Bank and Trust has a Texas Ratio of 0.01%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Central Bank and Trust?▼
Central Bank and Trust has an Efficiency Ratio of 62.30%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Central Bank and Trust's profile as a depositor or analyst.
- Central Bank and Trust's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Central Bank and Trust against other Wyoming banks before moving funds. Wyoming banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.