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The Central Trust Bank
Jefferson City, MO·FDIC Cert #12633·Charter: STATE·Est. 19020203.0·HC: CENTRAL BANCOMPANY INC
Total Assets
$20.8B
Q4 2025
Return on Assets
1.82%
+0.04%Peer avg: 1.13%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
50.05%
Peer avg: 54.1%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
68
Satisfactory
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.82%+0.04
ROE
19.28%+0.70
Efficiency
50.05%-0.80
Equity/Assets
0.00%+0.00
NPL Ratio
0.41%-0.05
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
67.62%-6.20
Charge-offs
0.12%-0.01
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 1.5 | 1.6 | 1.5 | 1.4 | 1.8 | 1.7 | 1.8 | 1.8 |
| ROE | 17.4 | 18.7 | 17.2 | 15.9 | 19.1 | 18.5 | 18.6 | 19.3 |
| Efficiency | 54.3 | 54.6 | 54.9 | 54.2 | 50.6 | 51.7 | 50.8 | 50.0 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.3 | 0.3 | 0.3 | 0.3 | 0.4 | 0.4 | 0.5 | 0.4 |
| Charge-offs | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 |
| Loan/Deposit | 74.3 | 76.8 | 77.4 | 75.0 | 73.4 | 74.2 | 73.8 | 67.6 |
Balance Sheet
Total Assets$20.8B
Total Deposits$16.8B
Total Loans$11.3B
Total Equity$1.9B
Profitability
ROA1.82%
ROE19.28%
Efficiency Ratio50.05%
Net Income$357.1M
Risk & Asset Quality
NPL Ratio0.41%
Charge-off Rate0.12%
Loan/Deposit67.62%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans