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BDI
CT

The Central Trust Bank

Jefferson City, MissouriFDIC Cert #12633

STATEEstablished 1902174 branches

Holding company: CENTRAL BANCOMPANY INCRegulator: FED

FDICCERT + OFFDOM

Delinquency, loss & reserves

Credit

Early-stage delinquency, nonaccruals, realized loss, and allowance coverage from reported filings.

As of Q1 2026

Problem credits

Reported delinquent and nonperforming exposures, shown as balances and ratios.

30–89 %
0.38%
+15.4%y/y
Peer standing41st percentile
Peer standing in FFIEC UBPR Peer Group 2 — Insured commercial banks having assets between $10 billion and $100 billion
FDICP3ASSET + LNLSGR
90+ %
0.01%
+29.2%y/y
Peer standing60th percentile
Peer standing in FFIEC UBPR Peer Group 2 — Insured commercial banks having assets between $10 billion and $100 billion
FDICP9ASSET + LNLSGR
Nonaccrual %
0.44%
+4.7%y/y
Peer standing64th percentile
Peer standing in FFIEC UBPR Peer Group 2 — Insured commercial banks having assets between $10 billion and $100 billion
FDICNAASSET + LNLSGR
Noncurrent %
0.45%
+5.0%y/y
Peer standing70th percentile
Peer standing in FFIEC UBPR Peer Group 2 — Insured commercial banks having assets between $10 billion and $100 billion
FDICP9ASSET + NAASSET + LNLSGR
NPA/assets
0.26%
−4.8%y/y
Peer standing80th percentile
Peer standing in FFIEC UBPR Peer Group 2 — Insured commercial banks having assets between $10 billion and $100 billion
FDICP9ASSET + NAASSET + ORE + ASSET
NPA
$53.7M
−0.3%y/y
Peer standing79th percentile
Peer standing in FFIEC UBPR Peer Group 2 — Insured commercial banks having assets between $10 billion and $100 billion
FDICP9ASSET + NAASSET + ORE

Loss & allowance

Recognized charge-offs and the allowance held against the loan portfolio.

NCO rate
0.10%
−14.8%y/y
Peer standing59th percentile
Peer standing in FFIEC UBPR Peer Group 2 — Insured commercial banks having assets between $10 billion and $100 billion
FDICNTLNLS + LNLSGR
NCO
$2.91M
−15.7%y/y
Peer standing64th percentile
Peer standing in FFIEC UBPR Peer Group 2 — Insured commercial banks having assets between $10 billion and $100 billion
FDICNTLNLS + DRLNLS + CRLNLS
ACL/loans
1.30%
−2.9%y/y
Percentile by value69th percentileby value
Peer standing in FFIEC UBPR Peer Group 2 — Insured commercial banks having assets between $10 billion and $100 billion
FDICLNATRES + LNLSGR
30–89
$44.3M
+15.9%y/y
Peer standing58th percentile
Peer standing in FFIEC UBPR Peer Group 2 — Insured commercial banks having assets between $10 billion and $100 billion
FDICP3ASSET
90+
$711K
+29.7%y/y
Peer standing61st percentile
Peer standing in FFIEC UBPR Peer Group 2 — Insured commercial banks having assets between $10 billion and $100 billion
FDICP9ASSET
Nonaccrual
$51.4M
+5.2%y/y
Peer standing74th percentile
Peer standing in FFIEC UBPR Peer Group 2 — Insured commercial banks having assets between $10 billion and $100 billion
FDICNAASSET