Total Assets
$202M
Total balance-sheet footings
2026 data FDIC sourced Public-data reference.
Central Bank and Trust — FDIC Bank Health Profile
Lander, Wyoming · Est. 1890. Free, sourced from the FDIC BankFind Suite — refreshed each quarter and cross-checked against the FDIC Call Report.
State chartered State member bank FDIC Cert #529 San Francisco Region
B
Health grade
Good
Score: 73/100
Basel III capital ratios — Central Bank and Trust
Total Deposits
$183M
Customer-funded liabilities
Net Loans
$109M
Outstanding loan book
Net Income
$3M
Bottom-line earnings
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
Core capital ÷ risk-weighted assets. Well-capitalized: ≥10%
16.76%
Texas Ratio
Non-performing loans ÷ equity. Danger zone: >100%
—
Equity Capital
Tangible book value as a capital buffer
$17M
Profitability Metrics
Return on Assets (ROA)
Net income ÷ assets. Healthy: ≥1%
1.65%
Return on Equity (ROE)
Net income ÷ equity. Industry avg: ~10%
19.74%
Efficiency Ratio
Operating costs ÷ revenue. Efficient: <60%
62.30%
Income & Expense Breakdown
$9M
Interest Income
$608K
Non-Interest Income
$6M
Non-Interest Expense
FDIC Deposit Insurance
Central Bank and Trust is FDIC-insured (Certificate #529). Your deposits are protected up to $250,000 per depositor, per account category regardless of this bank's health grade.
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. The bank currently holds $202M in total assets and $183M in customer deposits, with $109M deployed as loans. It operates as a State chartered (State member bank) within the FDIC San Francisco region. These figures come directly from the bank's quarterly FDIC Call Report and reflect the balance sheet as of the latest regulatory filing.
On safety metrics, Central Bank and Trust reports a Tier 1 Capital Ratio of 16.76% — above the 10% federal threshold for "well-capitalized" status and a Texas Ratio of —. Equity capital stands at $17M, serving as the tangible buffer against loan losses. On profitability, the bank posted a Return on Assets of 1.65% and a Return on Equity of 19.74%, with an Efficiency Ratio of 62.30% — above the 60% benchmark, meaning a larger share of revenue is consumed by operating costs. The combined picture yields a PlainBankData health grade of B (73/100), a composite score that blends all four dimensions.
Not financial advice. This page summarizes public FDIC Call Report data for informational purposes only. Health grades are our interpretation of regulatory filings and are not official FDIC ratings, endorsements, or predictions. Regardless of grade, every dollar on deposit at Central Bank and Trust is protected by FDIC insurance up to $250,000 per depositor, per ownership category — even if the bank were to fail. For decisions about where to hold deposits, consult a qualified financial professional and verify the latest figures directly at the FDIC's BankFind Suite.
Top 5 banks in Wyoming by total assets
Source: FDIC BankFind Suite — Call Report (FFIEC 031/041) + CRA performance data Central Bank and Trust (FDIC Cert #529) — Tier 1 capital ratio, total assets, deposits, CRA rating · 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 - Wyoming Cody | $1.3B | B | 1.28% |
| Hilltop National Bank Casper | $1.2B | D | 1.72% |
| The Converse County Bank Douglas | $1.1B | B | 1.14% |
| First Northern Bank of Wyoming Buffalo | $894M | C | 1.13% |
| Platte Valley Bank Torrington | $783M | F | 1.46% |
| First National Bank of Gillette Gillette | $626M | F | 1.35% |
| First Federal Bank & Trust Sheridan | $611M | D | 0.43% |
| Jonah Bank of Wyoming Casper | $558M | D | 1.92% |
Frequently Asked Questions
What is Central Bank and Trust's health grade? ▼
Central Bank and Trust receives a health grade of B (73/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is Central Bank and Trust? ▼
Central Bank and Trust holds $202M in total assets and $183M in deposits. It is headquartered in Lander, Wyoming.
Is my money safe at Central Bank and Trust? ▼
Yes. Central Bank and Trust is FDIC-insured (Certificate #529). Your deposits are protected up to $250,000 per depositor, per account category, regardless of the bank's health grade. If a bank fails, the FDIC typically makes insured deposits available within one business day.
What is Central Bank and Trust's Tier 1 Capital Ratio? ▼
Central Bank and Trust has a Tier 1 Capital Ratio of 16.76%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
How efficient is Central Bank and Trust? ▼
Central Bank and Trust has an Efficiency Ratio of 62.30%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
Bank Safety Guides
Related Data Sources
Data from the FDIC BankFind Suite API. Financial data as of Q4 2025.
Related
Data sourced from official U.S. government datasets. See our methodology for details. Retrieved and formatted by PlainBankData Editorial
Disclaimer: This information is provided for informational purposes only and does not constitute professional advice. Data is sourced from the FDIC BankFind Suite. Consult a qualified professional before making decisions based on this data.
Read our methodology — how this data is sourced, computed, and verified.