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.

Compiled from official public sources by the publisher.
$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.

FDIC Call Report plate

Cert 12633 · MO A · 92/100

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

  • GRADE-A A (92/100)
  • UPPER-Q #523/4307
  • PHOTO-FINISH Farmers and Drovers… · KS
  • TIER1-WELL 12.9% Tier 1
  • TEXAS-CLEAN 2.3% Texas
  • ROA-STRONG 1.82% ROA
  • SIZE-LARGE $10–100B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Missouri: Farmers and Drovers Bank, KS (±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 The Central Trust Bank

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

Morgan Stanley Bank,… · UT ·…100/100Bank of Prague · NE · near92/100Farmers and Drovers… · KS · …92/100PB&T Bank · CO · near92/100Sicily Island State… · LA · …92/100The Central Trust Bank · MO …92/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around The Central Trust Bank · July 2026

Call Report read for The Central Trust Bank in a high-failure state

The Central Trust Bank (FDIC Cert #12633) carries a PlainBankData health grade of A at 92/100, 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 #523 of 4,307. Tier 1 capital prints at 12.88%, clearing the 10% well-capitalized line. The Texas Ratio is 2.27%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.82%. Balance-sheet scale is $20.8B, 102nd of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Farmers and Drovers Bank (KS), 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 The Central Trust Bank

16 FAILURE resolutions in Missouri since 2000, heavy vs the state corpus

The Central Trust Bank sits in one of the heavier post-2000 FAILURE states (16 resolutions; latest year 2012). The list below is state history from the Failed Bank List, not a claim about The Central Trust Bank's current Call Report.

  • TRUMAN BANK ST. LOUIS, MO 2012 → SIMMONS FIRST NATIONAL BANK
  • GLASGOW SAVINGS BANK GLASGOW, MO 2012 → REGIONAL MISSOURI BANK
  • COMMUNITY BANK OF THE OZARKS SUNRISE, MO 2012 → BANK OF SULLIVAN

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

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.

0/100100/100National avg77/10092/100
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 Assets

$20.8B

Total balance-sheet footings

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

0% 3% 6% 9% 12% 15% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 11.48% 12.88% 14.28%
Basel III capital ratios - The Central Trust Bank

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: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

92 Top 12% higher than 88% 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. The Central Trust Bank 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

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.

Capital & credit buffers at The Central Trust Bank

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

What these ratios mean →

Earnings posture at The Central Trust Bank

Return on Assets (ROA)
86th percentile nationally
1.82%
Return on Equity (ROE)
19.28%
Efficiency Ratio
50.05%

What these mean →

Income & expense at The Central Trust Bank

$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.

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

Top banks in Missouri by total assets

Largest banks headquartered in Missouri
  1. 1
    UMB Bank $72.8B

    Kansas City, MO · Grade A

  2. 2
    Commerce Bank $32.7B

    Kansas City, MO · Grade A

  3. 3
    The Central Trust Bank $20.8B

    Jefferson City, MO · Grade A

  4. 4
    Stifel Bank and Trust $19.4B

    Saint Louis, MO · Grade A

  5. 5
    Enterprise Bank & Trust $17.3B

    Clayton, MO · Grade B

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

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.

Closest banks to The Central Trust Bank nationally by total assets
  1. 1
    Optum Bank, Inc. $20.8B

    Draper, UT · Grade A

  2. 2
    Seacoast National Bank $20.8B

    Stuart, FL · Grade A

  3. 3
    First Financial Bank $21.0B

    Cincinnati, OH · Grade A

  4. 4
    Wilmington Savings Fund Society, FSB $21.2B

    Wilmington, DE · Grade A

  5. 5
    TowneBank $19.7B

    Portsmouth, VA · Grade B

  6. 6
    Stifel Bank and Trust $19.4B

    Saint Louis, MO · Grade A

Six FDIC-insured banks nearest in total assets nationwide, regardless of state.

Head-to-head against the six closest national size peers, same FDIC Call Report vintage.
BankStateAssetsROAEfficiencyTier 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%

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($20.8B here), outside Missouri so the neighborhood is not state containment.

Optum Bank, Inc. $20.8B · UT Seacoast National Bank $20.8B · FL First Financial Bank $21.0B · OH Wilmington Savings Fund Society, FSB $21.2B · DE

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.

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

Other banks in Missouri

All Missouri banks →
BankAssetsGradeROA
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%