CENTRAL TRUST CO is the parent banking group. CENTRAL BANK AND TRUST is the primary bank charter regulated by the FDIC. CRA exams are conducted at the charter level, not the group level.

Bank Holding Company

CENTRAL TRUST CO

Legal name: CENTRAL TRUST COMPANY

1 active bank · 1 merged/absorbed · $207M combined assets

RSSD ID: 1020920 (FFIEC NIC)

Combined Assets

$207M

CRA Rating Summary

Satisfactory1charter

Across all 18 exams on record for this banking group's charters, 100% resulted in Outstanding or Satisfactory.

Primary bankCENTRAL BANK AND TRUSTLANDER, WYSatisfactory$207MView profile →

At a Glance

Dominant CRA Rating

Satisfactory

1 of 1 bank · Meets expectations for community lending

Combined Assets

$207M

1 active bank

Financial Summary

FDIC Call Reports

Aggregated from the most recent call report filings for all active charters.

Total Deposits

$189M

Net Income

$1M

ROA (avg)

2.03%

asset-weighted avg

Mortgage Lending (HMDA)

CFPB · 2023Lender rankings →

Aggregated HMDA data across all active charters for 2023.

Applications

Origination Rate

80.95%

Denial Rate

11.9%

Active Bank Charters1

Each charter is examined independently for CRA compliance.

Charter	Location	Regulator	Assets	Ownership	Current Rating	Exam Date
CENTRAL BANK AND TRUST	LANDER, WY	FDIC	$207M	100.0%	Satisfactory	Jun 2023

CRA (Community Reinvestment Act) exams are conducted per charter, not per banking group. Asset figures are from the most recent FDIC call report.