# CENTRAL TRUST BANK
JEFFERSON CITY, MO · FDIC certificate 12633 · asset band $10-100B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $20.31B | |
| Deposits | $16.41B | |
| Loans and leases | $11.70B | |
| Total equity | $1.83B | |
| Loans / deposits | 70.41% (p17 of band) | 85.78% |
| Liquid assets / assets | 38.37% (p87 of band) | |
| Uninsured deposits / deposits | 38.43% (p51 of band) | 38.39% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 9.47% (p59 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 7.94% (p11 of band) | 10.17% |
| Unrealized securities loss / equity | -6.56% (p55 of band) | -7.43% |
| AOCI / equity | -2.74% (p3 of band) | |
| ROA (annualized) | 1.99% (p90 of band) | 1.24% |
| Net interest margin | 4.02% (p80 of band) | 3.57% |
| Efficiency ratio | 47.47% (p26 of band) | |
| Noncurrent loans | 0.49% (p30 of band) | 0.66% |
| Net charge-offs (annualized) | 0.06% (p40 of band) | |
| Reserve coverage of noncurrent | 263.19% | |
| Real estate % of loans | 80% | |
| Construction % of loans | 50.28% (p80 of band) | |
| Auto loans | $209.8M (1.79% of loans; DQ 2.47%, NCO 0.01%) | |
| Loans to nondepository financials | $88.3M (5% of equity) (p44 of band) | |
| Deposits YoY | 8.9% | |
| Employees | 2971 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | wholesale funding >15% |  |
| 2011-06 | 2 | leverage <7% |  |
| 2011-09 | 3 | capital falling |  |
| 2011-12 | 1 |  | leverage <7%, capital falling |
| 2012-03 | 3 | leverage <7%, NIM <2.5% |  |
| 2012-06 | 3 | deposits shrinking | leverage <7% |
| 2012-09 | 2 |  | deposits shrinking |
| 2012-12 | 2 |  |  |
| 2013-03 | 2 |  |  |
| 2013-06 | 3 | capital falling |  |
| 2013-09 | 4 | leverage <7% |  |
| 2013-12 | 2 |  | capital falling, leverage <7% |
| 2014-03 | 3 | leverage <7% |  |
| 2014-06 | 3 | uninsured deposits >50% | leverage <7% |
| 2014-09 | 4 | leverage <7% |  |
| 2014-12 | 2 |  | uninsured deposits >50%, leverage <7% |
| 2015-03 | 4 | uninsured deposits >50%, leverage <7% |  |
| 2015-06 | 3 |  | leverage <7% |
| 2015-09 | 3 |  |  |
| 2015-12 | 4 | capital falling |  |
| 2016-03 | 3 |  | capital falling |
| 2016-06 | 3 |  |  |
| 2016-09 | 3 | uninsured deposits leaving | uninsured deposits >50% |
| 2016-12 | 3 |  |  |
| 2017-03 | 2 |  | uninsured deposits leaving |
| 2017-06 | 5 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2017-09 | 4 |  | deposits shrinking |
| 2017-12 | 4 |  |  |
| 2018-03 | 4 |  |  |
| 2018-06 | 3 |  | NIM <2.5% |
| 2018-09 | 3 | deposits shrinking | assets shrinking |
| 2018-12 | 1 |  | uninsured deposits leaving, deposits shrinking |
| 2019-03 | 2 | capital falling |  |
| 2019-06 | 2 |  |  |
| 2019-09 | 1 |  | capital falling |
| 2019-12 | 1 |  |  |
| 2020-03 | 2 | capital falling |  |
| 2020-06 | 3 | leverage <7% |  |
| 2020-09 | 3 | NIM <2.5% | capital falling |
| 2020-12 | 2 |  | leverage <7% |
| 2021-03 | 3 | leverage <7% |  |
| 2021-06 | 4 | capital falling |  |
| 2021-09 | 4 |  |  |
| 2021-12 | 0 |  | wholesale funding >15%, NIM <2.5%, leverage <7%, capital falling |
| 2022-03 | 0 |  |  |
| 2022-06 | 0 |  |  |
| 2022-09 | 2 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 2 | deposits shrinking, assets shrinking | AOCI drag >20% of equity, securities losses >30% of equity |
| 2023-06 | 2 | securities losses >30% of equity | assets shrinking |
| 2023-09 | 2 |  |  |
| 2023-12 | 0 |  | deposits shrinking, securities losses >30% of equity |
| 2024-03 | 0 |  |  |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 1 | capital falling |  |
| 2026-06 | 0 |  | capital falling |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-04-06 [Central Bancompany, Inc. Announces Conference Call to Discuss First Quarter 2026 Results - GlobeNewswire](https://news.google.com/rss/articles/CBMi7wFBVV95cUxOLUMxWmlhSmZLMU5yRnVtY29PZnh3dzZrX3ZaVFNUa1NXbVNVbTBhQ1BLY3RQSDlRNlplNGpNTlhMM2lnVGxRRHdralB3OFhNSjR3UTR0aWUxamxCbEdnbGt3YlFSVkg1SEotU25CR2Jxb1RyMDVqem9FeWNuaGJKblFMNjFaWXA3RU5vOEEyRVBkQkVVT0kwYk1OMFNfY2wyV3NEbG1Wd1VWT1cteHRXY3FjY1d6X21xYjQ0Q29TN3czUHNCNWFhX0I0bXhjc1BrY2c1V3UxUkRob3FhUExobjIzVzVJb3ZRZER4VFItNA?oc=5) · GlobeNewswire
- 2026-05-21 [Central Bancompany, Inc. to Release Q2 2026 Financial Results on August 4, 2026 | CBC Stock News - Quiver Quantitative](https://news.google.com/rss/articles/CBMitwFBVV95cUxQbjRwLW9uN3F4aUFxVVVtMFYxeWVNTXhBYnNlbWttWGE5Zm1yM0RGckVxMGVuSFE2YThkcEE1UjByZlUtaFBqbXZhcWxtWkpLUmp1N0xJcms5WVJKbWs3T0tJUHNaY3NZMXFkZndHUVJjc0hGbC11STMyVWhzUDY4WlRWbFhxcTJKaVYwdi10M1JnWXFRY0lvT2hSbUItSkQ1ZWRUbm5QRExwQXkzVkx3V092MEh2V2M?oc=5) · Quiver Quantitative
- 2025-10-11 [tm2512009-9_s1.htm - SEC.gov](https://news.google.com/rss/articles/CBMijgFBVV95cUxNZnhiMFBRQ1hoaVRzREVTWjI0Q0tOR2RTazVOTjdkcnZFemN6b0dxc2JVWmo3OFJWUHFFeFk5OXp1VWVXczdfR0hJaHo0UkNPRm8yc040dlFnaFozWGppVjlaT3hrMnNkVzdmcG51QUVMWUFhb2lGR05pLWJ4V0xRLU1oN25Wb2Y3OEx5Y0VB?oc=5) · SEC.gov
- 2026-05-04 [Dawn Shellabarger named senior vice president, regional lending director - The Mexico Ledger](https://news.google.com/rss/articles/CBMisAFBVV95cUxQdklxUjFPcFAyMGJFMF9ydlIwVlBMd2Fpa3RkWTdCcW1QYTg4alFQY0VOVFZ6NF85SUUzbEl6cksyQnRVd0RKVFRwWmlCaUdQenV5OHBEa3Y1d3c4ZjlpU3ZoZ0FuYjliUDJYV0s1V2NXbzhHRU9ma01BOGVPcVFjS3JjNUFDcmo3M21tSUlpUm0ybUlkZ3BlMGlfSF9NNFdQcjVoV2s3R2w0djg0Zmo3Nw?oc=5) · The Mexico Ledger
- 2025-11-12 [Central Bancompany, Inc. Announces Launch of Initial Public Offering - Yahoo Finance](https://news.google.com/rss/articles/CBMijgFBVV95cUxPYkNXeGwwWVBSSnhhZTJjcDREcW1iRVVQcmpBanVyNlh3RE5WX1JMODhvTGl6VUp0ZkFBWnU0eUtfSWVMNDdUNUUzbk83TG9mTHhTOHhuV1pxNmNHa0RyS3hQV3ZDeG9vY2tPWm9FejIxWm9GTGhnVF9mQl9TM0EwZ1IyU0hHdHFFcU9XcDdn?oc=5) · Yahoo Finance
- 2025-11-20 [Central Bancompany raises $373M in IPO to fuel bank acquisition strategy - The Business Journals](https://news.google.com/rss/articles/CBMipgFBVV95cUxNbHNzcHQzeElLVDg2WFF3NzU5eVJHOUZBenVPWjlrNUlEMjFjbE9pQ3JVZ3Z6aFV5Z3Z0aGp0UXdfS3ZfVnJxd3FzSVFhZUVyS0NTV3ZFNHdlNEZoS0Y4dWZLWGVmUThQTjE2M196RnlQOHlfUjlUTnJhcVBtbzdCdGU3c01zYVhuRFkzZE9IY19WSF9UTk9oSEdZZWRVbmZ1bDBCaG13?oc=5) · The Business Journals
- 2025-11-20 [Missouri-Based Lender Central Bank Shares Jump 9% After IPO - Bloomberg.com](https://news.google.com/rss/articles/CBMirgFBVV95cUxNZ0J1dE9NeWw2enIyeGpUVFAwN3hVUzdpTWQ2ZG0zZmt3MFpmWURDMmdacTZwSE9qWVhJaW1kdklxOFlsX0NaczVZUHVXbzI4R2hFaXo4OXFQQ2FLOGdOMGxfVnluTWU4YjhwRWdLUzFfY2JNdWx3elRMOWYwbERMQzdncWVhYVczSDlkS1NZa042MWNBcXlMMXhLS1FnTTJTeEFRV2pHR3VtOWp2X3c?oc=5) · Bloomberg.com
- 2026-01-02 [Central Trust Bank Review: Accounts, Rates and What To Know - GOBankingRates](https://news.google.com/rss/articles/CBMif0FVX3lxTE1nb0Y4Mk9PaE5lVGlCYzBhdjRCUmZnNTB3dk9PZ2ZDdTgyX0F1SzlKVTNXdllzZHN2VnR6TGE1MDFmZDRvU0FTaEQ0VFplcjR1WHlIMVZFaHh2d01sV2RRbExUNnFGQUJwS3YtdGY5aTk1U0lLQkFaR3Bzcjc2TnM?oc=5) · GOBankingRates

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=12633 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/25.json (key "12633", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide