🏦Bank Scorer

This institution is no longer active

Operations ceased on April 1, 2019. CRA examination history below reflects the period it was active.

CENTRAL BANK AND TRUST CO.

HUTCHINSON, KS · Supervised by FDIC

Est. 1915FDIC #11,772RSSD: FDIC-11772
Part ofRCB HOLDING CO→ View all charters
Satisfactory Same

Current rating · Exam: June 2018

CompareWatch

At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.38%

Institution Profile

FDIC BankFind

Address

700 East 30th Avenue, HUTCHINSON, KS

County

Reno County

Established

April 22, 1915

Total Assets

$304M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

June 1, 2018

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 8 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.
Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q1 2019Call Report / FDIC

Total Assets

$304M

Total Deposits

$246M

Net Loans

$196M

Net Income

$1M

ROA

1.38%

ROE

7.69%

Risk-Based Capital

13.74%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate1.76%Peer avg: 7.63%▲ Above avg

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Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
201822798.24%1.76%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

8 previous ratings locked — dating back to 1990

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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