Total Assets
$20.8B
Total balance-sheet footings
FDIC Cert #12633 · Jefferson City, Missouri · Est. 1902
The Central Trust Bank - FDIC Bank Health Profile
A community-scale look at The Central Trust Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $20.8B
- Total assets
- A
- Health grade · Excellent
- 1.82%
- Return on assets
- 12.9%
- Tier 1 capital
Data updated July 2026
The verdict
The Central Trust Bank earns a PlainBankData health grade of A (92/100), with well-capitalized at 12.88% Tier 1, profitable at 1.82% ROA, efficient (50% cost ratio).
- #102
- largest of 4,313 FDIC banks by assets
- 98th
- percentile by asset size, nationally
- 12.88%
- Tier 1 ratio - above the 10% well-capitalized line
- 86th
- percentile for profitability (ROA), nationally
The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.
How The Central Trust Bank's 92/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
The Central Trust Bank's composite health score
Tier 1 Capital Ratio (12.88%) 35/40
Return on Assets (ROA) (1.82%) 25/25
Texas Ratio (2.27%) 20/20
Efficiency Ratio (50.05%) 12/15
92 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$16.8B
Customer-funded liabilities
Net Loans
$11.3B
Outstanding loan book
Net Income
$357M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where The Central Trust Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. The Central Trust Bank's score of 92/100 falls in the highlighted band.
The Central Trust Bank'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). The Central Trust Bank's $20.8B falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
12.88% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
12.88%
Texas Ratio
2.27%
Equity Capital
$1.9B
Profitability metrics
Return on Assets (ROA)
86th percentile nationally
1.82%
Return on Equity (ROE)
19.28%
Efficiency Ratio
50.05%
What the numbers say about The Central Trust Bank
The Central Trust Bank is an FDIC-insured institution (Certificate #12633) headquartered in Jefferson City, Missouri, established in 1902. It holds $20.8B in total assets - 102nd of 4,313 FDIC-insured banks, $16.8B in customer deposits, and $11.3B in net loans. Looking at capital strength, Tier 1 stands at 12.88%, over the 10% well-capitalized line regulators set, while the Texas Ratio comes in at 2.27%, comfortably below the 50% caution mark. It earns a PlainBankData health grade of A (92/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
The Central Trust Bank's asset base places it among the largest FDIC-insured institutions in the country, 102nd of 4,313 nationally, and 3rd of 198 banks headquartered in Missouri. Only Commerce Bank ($32.7B) is larger within the state. At this scale, the bank's own capital and asset-quality trends are a meaningful signal for the regional banking sector, not just its own depositors.
Income & expense breakdown
$989M
Interest Income
$231M
Non-Interest Income
$486M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. The Central Trust Bank reports a Texas Ratio of 2.27% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
2.27% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Missouri by total assets
National size peers: banks closest to The Central Trust Bank by assets
The Central Trust Bank is closely matched in total assets by Optum Bank, Inc., Seacoast National Bank, First Financial Bank, Wilmington Savings Fund Society, FSB across 6 states -- its real national peer set, not just banks sharing a home state. Within that asset-matched cohort, the average ROA is 1.55%, versus The Central Trust Bank's own 1.82%; the average efficiency ratio is 48.89%, versus 50.05% here; and average Tier 1 capital sits at 13.21%, versus 12.88% at The Central Trust Bank. At this asset scale, banks are best benchmarked against one another by balance-sheet composition and capital discipline, not by shared geography.
At $20.8B in assets, The Central Trust Bank has crossed the $10 billion threshold at which the CFPB takes over direct supervision for consumer-protection compliance under Dodd-Frank Act Section 1025, rather than leaving that oversight solely to the bank's primary prudential regulator.
| Bank | State | Assets | ROA | Efficiency | Tier 1 |
|---|---|---|---|---|---|
| The Central Trust Bank (this bank) | MO | $20.8B | 1.82% | 50.05% | 12.88% |
| Optum Bank, Inc. | UT | $20.8B | 2.69% | 26.29% | 16.97% |
| Seacoast National Bank | FL | $20.8B | 0.91% | 57.67% | 13.82% |
| First Financial Bank | OH | $21.0B | 1.53% | 53.29% | 11.90% |
| Wilmington Savings Fund Society, FSB | DE | $21.2B | 1.43% | 56.85% | 14.06% |
| TowneBank | VA | $19.7B | 0.90% | 71.94% | 11.34% |
| Stifel Bank and Trust | MO | $19.4B | 1.82% | 27.28% | 11.18% |
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) The Central Trust Bank (FDIC Cert #12633) - 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 Missouri
All Missouri banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| UMB Bank, National AssociationKansas City | $72.8B | A | 1.01% |
| Commerce BankKansas City | $32.7B | A | 1.74% |
| Stifel Bank and TrustSaint Louis | $19.4B | A | 1.82% |
| Enterprise Bank & TrustClayton | $17.3B | B | 1.29% |
| Stifel BankSaint Louis | $11.7B | A | 1.49% |
| First BankSt. Louis | $6.7B | B | 0.51% |
| Great Southern BankReeds Spring | $5.6B | A | 1.31% |
| Southern BankPoplar Bluff | $5.0B | A | 1.36% |
Frequently asked questions
What is The Central Trust Bank's health grade?▼
The Central Trust Bank receives a health grade of A (92/100) 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 The Central Trust Bank?▼
The Central Trust Bank holds $20.8B in total assets and $16.8B in deposits, ranking 102nd of 4,313 FDIC-insured banks by asset size. It is headquartered in Jefferson City, Missouri.
Is my money safe at The Central Trust Bank?▼
Yes, deposits at The Central Trust Bank (Certificate #12633) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is The Central Trust Bank's Tier 1 Capital Ratio?▼
The Central Trust Bank has a Tier 1 Capital Ratio of 12.88%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for The Central Trust Bank?▼
The Central Trust Bank has a Texas Ratio of 2.27%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is The Central Trust Bank?▼
The Central Trust Bank has an Efficiency Ratio of 50.05%. Below 60% is considered efficient, the bank converts a strong share of revenue into profit. This metric compares non-interest expenses to total revenue.
What to do with this
How to read The Central Trust Bank's profile as a depositor or analyst.
- The Central Trust Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare The Central Trust Bank against other Missouri banks before moving funds. Missouri 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.