🏦Bank Scorer

THE CENTRAL TRUST BANK

JEFFERSON CITY, MO · Supervised by FDIC

Est. 1902FDIC #12,633RSSD: FDIC-12633
Part ofCENTRAL BANCOMPANY INC→ View all charters
Satisfactory Same

Current rating · Exam: October 2012

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.96%

Institution Profile

FDIC BankFind

Address

238 Madison St, JEFFERSON CITY, MO

County

Cole County

Established

February 3, 1902

Total Assets

$20.5B(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

October 1, 2012

Exam Type

Large Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 13 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 2026Call Report / FDIC

Total Assets

$20.5B

Total Deposits

$16.4B

Net Loans

$11.4B

Net Income

$101M

ROA

1.96%

ROE

21.79%

Risk-Based Capital

14.13%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Regional banks

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

Mortgage Denial Rate9.01%Peer avg: 26.91%▲ Above avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

177

Branch Deposits

$15.1B

1-Year Change

+1

5-year net change: +159 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202411,23066.9%9.01%
202311,26467.03%8.83%
202212,71373.97%7.15%
202113,31982.96%2.74%
20204,31287.11%1.95%
20192,23183.68%2.69%
20181,55182.85%3.55%

2024 national avg denial rate: 23.75% · Regional bank avg: 26.91% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

8 previous ratings locked — dating back to 1991

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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