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.

Compiled from official public sources by the publisher.
$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.

FDIC Call Report plate

Cert 529 · WY A · 93/100

GRADE-A · UPPER-Q · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-STRONG · SIZE-MID · BOOK-FULL

  • GRADE-A A (93/100)
  • UPPER-Q #485/4307
  • PHOTO-FINISH Cleo State Bank · OK
  • TIER1-WELL 16.8% Tier 1
  • TEXAS-CLEAN 0.0% Texas
  • ROA-STRONG 1.65% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Wyoming: Cleo State Bank, OK (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Central Bank and Trust

Lowest and highest poles plus nearest scored peers outside Wyoming, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Bank of Dawson · GA · near93/100Central Bank and Trust · WY …93/100Citizens Bank · MS · near93/100Cleo State Bank · OK · near93/100Journey Bank · PA · near93/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Central Bank and Trust · July 2026

Plate reading for Central Bank and Trust where failures stay rare

Central Bank and Trust (FDIC Cert #529) carries a PlainBankData health grade of A at 93/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #485 of 4,307. Tier 1 capital prints at 16.76%, clearing the 10% well-capitalized line. The Texas Ratio is 0.01%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.65%. Balance-sheet scale is $202M, 2,995th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Cleo State Bank (OK), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Central Bank and Trust

Only 1 FAILURE resolution in Wyoming since 2000

Central Bank and Trust is headquartered in a state where FDIC FAILURE resolutions have been rare or absent since 2000 (1 of 578 nationwide). That is a historical count of closed institutions, not a forecast for this Call Report sheet.

  • BANK OF WYOMING THERMOPOLIS, WY 2009 → CENTRAL BANK & TRUST
  • WESTLAND FS & LA RAWLINS, WY 1991 → RAWLINS NB
  • SWEETWATER FS & LA ROCK SPRINGS, WY 1990 → FIRST SECURITY BANK

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Wyoming banks.

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.

0/100100/100National avg77/10093/100
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 Assets

$202M

Total balance-sheet footings

Total Deposits

$183M

Customer-funded liabilities

Net Loans

$109M

Outstanding loan book

Net Income

$3M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% 18% 21% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 15.36% 16.76% 18.16%
Basel III capital ratios - Central Bank and Trust

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: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

93 Top 11% higher than 89% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). Below this entry. 90–100: 815 FDIC-insured banks (19%). This entry sits in this band. Central Bank and Trust 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

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: Central Bank and Trust

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

What these ratios mean →

Earnings posture at Central Bank and Trust

Return on Assets (ROA)
81st percentile nationally
1.65%
Return on Equity (ROE)
19.74%
Efficiency Ratio
62.30%

What these mean →

Income & expense at Central Bank and Trust

$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.

FDIC Failed Bank List → View Central Bank and Trust on FDIC BankFind →

Top banks in Wyoming by total assets

Largest banks headquartered in Wyoming
  1. 1
    Pinnacle Bank - Wyoming $1.3B

    Cody, WY · Grade A

  2. 2
    Hilltop National Bank $1.2B

    Casper, WY · Grade A

  3. 3
    The Converse County Bank $1.1B

    Douglas, WY · Grade A

  4. 4
    First Northern Bank of Wyoming $894M

    Buffalo, WY · Grade B

  5. 5
    Platte Valley Bank $783M

    Torrington, WY · Grade B

Top 5 banks in Wyoming ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($202M here), outside Wyoming so the neighborhood is not state containment.

Gouverneur Savings and Loan Associati… $202M · NY Iowa Falls State Bank $202M · IA Union State Bank $202M · KS Madison County Community Bank $202M · FL

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.

Central Bank and Trust Call Report profile · FDIC Failed Bank List · Wyoming FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Wyoming

All Wyoming banks →
BankAssetsGradeROA
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%