| Metric | The Central Trust Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.5% | +5.9% | +0.6 pts |
| Deposit growth (YoY) | +8.9% | +5.7% | +3.2 pts |
| Loan growth (YoY) | +3.3% | +6.9% | -3.6 pts |
| ROA | 1.99% | 1.23% | +0.8 pts |
| ROE | 22.1% | 11.2% | +10.9 pts |
ROA ranks in the 91st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $20.31B | $16.41B | $11.55B | $1.83B | $204.1M | 1.99% | 4.02% | 0.29% |
| Q1 2026 | $20.47B | $16.41B | $11.41B | $1.84B | $101.1M | 1.96% | 3.96% | 0.26% |
| Q4 2025 | $20.80B | $16.77B | $11.34B | $1.87B | $357.1M | 1.82% | 4.00% | 0.24% |
| Q3 2025 | $19.19B | $15.16B | $11.20B | $1.92B | $257.4M | 1.78% | 4.00% | 0.29% |
| Q2 2025 | $19.07B | $15.07B | $11.18B | $1.88B | $168.6M | 1.75% | 3.94% | 0.27% |
| Q1 2025 | $19.55B | $15.48B | $11.36B | $1.86B | $85.7M | 1.77% | 3.84% | 0.28% |
| Q4 2024 | $19.23B | $15.31B | $11.48B | $1.73B | $266.0M | 1.41% | 3.52% | 0.22% |
| Q3 2024 | $18.58B | $14.80B | $11.46B | $1.77B | $214.0M | 1.52% | 3.45% | 0.21% |
Loan mix (Q2 2026): real estate $9.38B · commercial $1.20B · consumer $556.0M · securities $7.02B
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | The Central Trust Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.99% | 1.23% | 91st | |
Return on equity Annualized net income ÷ equity or net worth | 22.1% | 11.3% | 94th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.02% | 3.55% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 47.5% | 54.9% | 24th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | The Central Trust Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | The Central Trust Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | The Central Trust Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | The Central Trust Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | The Central Trust Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
171 branches in 39 counties across 6 states (-5 vs 2024) · $15.07B branch deposits. Biggest market: Cole, MO, ranked 1st with 51.5% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Cole, MO | 9 | $3.02B | 51.46% | 1st |
| Boone, MO | 25 | $2.17B | 34.94% | 1st |
| St. Louis, MO | 9 | $1.42B | 2.81% | 10th |
| 36 more counties with Pro → | ||||
Missouri: 6th with 4.71% · Kansas: 29th with 0.87% · Oklahoma: 78th with 0.22% · Colorado: 111th with 0.07% · Illinois: 314th with 0.02% · Florida: 253rd with 0.00% · Jefferson City metro: 1st, 44.92% · Kansas City metro: 8th, 2.68% ·
Branch count: 2022 175 · 2023 175 · 2024 176 · 2025 171