$207M
+1.5%y/y
Percentile by value62nd percentileby value
FDIC
ASSETCB
Central Bank and Trust
Lander, WyomingFDIC Cert #529
STATEEstablished 18905 branches
Holding company: CENTRAL TRUST CORegulator: FDIC
FDIC
CERT + OFFDOMWhat's happening here
As of Q1 2026FDIC
Call ReportCentral Bank and Trust reported $207M in total assets. Deposits grew 1.12% over the prior year.
Return on assets was 2.03%, compared with an asset-peer median of 1.18%. The leverage ratio was 8.64%.
- Why is CRE Concentration to Capital above asset peers?
- Why is Noncurrent Loan Ratio below asset peers?
- Why is Efficiency Ratio below asset peers?
Generated offline from verified FDIC facts for the period shown. Bank Data Insights does not rate banks, predict outcomes, or provide advice.
Latest reported quarter
Key metrics
$189M
+1.1%y/y
Percentile by value69th percentileby value
FDIC
DEP$110M
+4.1%y/y
Percentile by value48th percentileby value
FDIC
LNLSNET2.03%
+32 bpsy/y
Peer standing88th percentile
FDIC
NETINC + ROA54.64%
−411 bpsy/y
Peer standing76th percentile
FDIC
NONIX + NIM + NONII + EEFFR8.64%
+51 bpsy/y
Peer standing8th percentile
FDIC
RBC1AAJPercentiles compare this bank with 1,247 banks from $100 million to $300 million.
FDIC
Call ReportBalance sheet trend
Assets & deposits
| Quarter | Assets | Deposits |
|---|---|---|
| Q2 2021 | $203M | $187M |
| Q3 2021 | $211M | $192M |
| Q4 2021 | $212M | $196M |
| Q1 2022 | $219M | $204M |
| Q2 2022 | $217M | $202M |
| Q3 2022 | $221M | $207M |
| Q4 2022 | $228M | $213M |
| Q1 2023 | $224M | $209M |
| Q2 2023 | $224M | $193M |
| Q3 2023 | $217M | $189M |
| Q4 2023 | $210M | $191M |
| Q1 2024 | $204M | $187M |
| Q2 2024 | $200M | $184M |
| Q3 2024 | $200M | $183M |
| Q4 2024 | $208M | $190M |
| Q1 2025 | $204M | $187M |
| Q2 2025 | $198M | $175M |
| Q3 2025 | $193M | $173M |
| Q4 2025 | $202M | $183M |
| Q1 2026 | $207M | $189M |
Portfolio composition
Loan mix
| Category | Balance |
|---|---|
| Owner CRE | $15.9M |
| Investor CRE | $16M |
| Multifamily | $3.84M |
| Construction | $16.5M |
| 1–4 family | $45.9M |
| C&I | $8.33M |
| Agriculture | $3.17M |
| Other | $1.4M |
Peer comparison
How this bank compares
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA2.03%88th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.33%Median 1.18%90th 2.13%Observations 1,247
ROE
FDIC
NETINC + ROE24.24%96th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 2.85%Median 11.08%90th 20.43%Observations 1,247
NIM
FDIC
NIM + NIMY4.40%76th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.92%Median 3.89%90th 4.91%Observations 1,247
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR54.64%76th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 47.24%Median 64.46%90th 87.12%Observations 1,247
Deposits YoY
FDIC
DEP+1.12%30th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −3.02%Median +3.60%90th +14.76%Observations 1,238
Loans YoY
FDIC
LNLSNET+4.05%44th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −3.89%Median +5.09%90th +18.61%Observations 1,230
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.00%83rd percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.00%Median 0.39%90th 2.38%Observations 1,231
Leverage
FDIC
RBC1AAJ8.64%8th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.82%Median 11.12%90th 16.44%Observations 1,247
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM0.97%97th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.42%Median 2.26%90th 3.32%Observations 1,237
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC199%83rd percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 13%Median 92%90th 236%Observations 588
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA2.03%91st percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.53%Median 1.22%90th 2.01%Observations 24
ROE
FDIC
NETINC + ROE24.24%96th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 2.69%Median 12.82%90th 22.31%Observations 24
NIM
FDIC
NIM + NIMY4.40%78th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.33%Median 4.02%90th 4.82%Observations 24
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR54.64%70th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 48.13%Median 65.17%90th 89.45%Observations 24
Deposits YoY
FDIC
DEP+1.12%22nd percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −2.02%Median +4.72%90th +10.60%Observations 24
Loans YoY
FDIC
LNLSNET+4.05%35th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −5.87%Median +6.96%90th +20.19%Observations 24
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.00%83rd percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.00%Median 0.27%90th 0.84%Observations 24
Leverage
FDIC
RBC1AAJ8.64%13th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.30%Median 10.35%90th 11.99%Observations 24
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM0.97%91st percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.00%Median 2.07%90th 2.78%Observations 24
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC199%71st percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 40%Median 162%90th 257%Observations 15
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA2.03%100th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.44%Median 1.31%90th 1.78%Observations 8
ROE
FDIC
NETINC + ROE24.24%100th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 6.82%Median 14.42%90th 20.93%Observations 8
NIM
FDIC
NIM + NIMY4.40%100th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 3.08%Median 4.13%90th 4.39%Observations 8
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR54.64%86th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 52.41%Median 63.45%90th 88.57%Observations 8
Deposits YoY
FDIC
DEP+1.12%14th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th +1.05%Median +5.27%90th +14.45%Observations 8
Loans YoY
FDIC
LNLSNET+4.05%29th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −2.48%Median +5.79%90th +15.29%Observations 8
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.00%100th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.02%Median 0.40%90th 0.75%Observations 8
Leverage
FDIC
RBC1AAJ8.64%14th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.49%Median 9.48%90th 11.23%Observations 8
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM0.97%100th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.56%Median 2.21%90th 2.76%Observations 8
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Branches & markets
Physical footprint
- Domestic offices
- 5 branches
- Headquarters
- Lander, WY
FDIC
OFFDOMOpen the Wyoming dashboard →History
Institution established
Filings
Q1 2026 Call Report
Q4 2025 Call Report
Q3 2025 Call Report
Q2 2025 Call Report
Public data, presented without a proprietary bank rating.FDIC source data