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Q2 2026 · read from the 30 June 2026 Call Report · United States · Plains · Missouri, the state note

Central Trust Bank

Jefferson City, Missouri · $20.31B in assets · beside the 5 other Missouri banks over $10B

The filing

35.6%
CRE / loans
6th of 6
2.00%
ROA
1st of 6
+3.3%
Loans, year over year
6th of 6, largest first

Central Trust Bank is the third largest of the 6 Missouri banks over $10B, with $20.31B in assets at 30 June 2026. Loans are 71.3% of deposits, 2nd of 6 against a median of 73.5%, and equity is 9.0% of assets, 4th of 6. Loans grew +3.3% in the year, the slowest in the cohort, and deposits grew 8.9%; the cohort's median loan growth is +9.2%.

Noncurrent loans are 0.49% of the book, 4th of 6 against a median of 0.42%; 0.20% is 30 to 89 days past due, and the allowance covers them 2.6 times. Net charge-offs are 0.10% of loans, 2nd of 6. Commercial real estate is 35.6% of loans, the highest in the cohort against a median of 22.5%, and 238% of capital, below the 300% screen, with construction at 53% against the 100% screen.

Return on assets is 2.00%, the highest in the cohort against a median of 1.36%, on an efficiency ratio of 47.8%, 3rd of 6. Five years ago it was 1.20%. The question this shape raises is what the liquidity earns, and what a rate path does to the securities book and the deposit base.

Commercial real estate, share of loansMO banks over $10B · 30 June 2026 · lower is stronger, listed first
median 22.5% SB Stifel Bank 0.0% SB Stifel Bank & Trust 9.0% CB Commerce Bank 18.9% UB UMB Bank National Association 26.0% EB Enterprise Bank & Trust 31.7% CT Central Trust Bank 35.6%
Loans, year over yearMO banks over $10B · 30 June 2026 · no better direction, largest first
median +9.2% SB Stifel Bank +32.2% CB Commerce Bank +17.9% UB UMB Bank National Association +11.8% SB Stifel Bank & Trust +6.6% EB Enterprise Bank & Trust +4.2% CT Central Trust Bank +3.3%

SBA 7(a), FY2008 to FY2026

Central Trust Bank is the 10th largest 7(a) lender into Missouri of 444, with $157M across 770 loans, 2.1% of everything approved in the state (Oakstar Bank leads with $556M). 48 of its 77 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Missouri, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Jackson, MO$28M10th of 1832.7%-2.2 pts
Boone, MO$26M2nd of 6712.1%+5.7 pts
Tulsa, OK$21M10th of 1591.9%quiet FY2018
Johnson, KS$20M17th of 1851.6%quiet FY2022
Cole, MO$17M3rd of 2318.2%-20.7 pts
Johnson, MO$14M1st of 2644.8%+5.5 pts
Greene, MO$13M12th of 801.6%quiet FY2022
Camden, MO$11M2nd of 4111.5%+12.6 pts
Douglas, KS$7M1st of 706.7%-4.7 pts
Wyandotte, KS$7M11th of 723.4%quiet FY2018
Saint Louis, MO$6M43rd of 1780.4%-0.0 pts
Pitkin, CO$5M2nd of 2010.8%thin
Callaway, MO$4M3rd of 198.3%-22.3 pts
64 smaller markets not shown.
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Manufacturing81$41M16.8%0.10%178th of 2,246
Accommodation & food services173$38M15.8%0.05%259th of 2,596
Construction104$29M12.1%0.09%169th of 2,063
Retail trade156$26M10.7%0.04%277th of 2,589
Other services129$21M8.8%0.06%218th of 2,248
7(a) lenders into Missouri, share of approvals since FY2008444 lenders on record; the ten largest and Central Trust Bank
OB Oakstar Bank 7.3% $556M · 864 loans SB Simmons Bank 6.1% $463M · 1,400 loans LO Live Oak Banking Company 5.3% $404M · 257 loans MR Midwest Regional Bank 4.6% $353M · 393 loans UB U.S. Bank, National Association 4.0% $302M · 2,342 loans TB The Bank of Missouri 3.1% $235M · 887 loans CB Commerce Bank 3.0% $229M · 926 loans BB Busey Bank 2.8% $209M · 281 loans SB Southern Bank 2.3% $172M · 361 loans TC The Central Trust Bank 2.1% $157M · 770 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; owner-occupied excluded; bold marks a screen met
Central Trust BankRankCohort median
Total CRE against capital, the 300% screen238%6th of 6130%
Construction against capital, the 100% screen53%5th of 641%
Construction and land development, share of loans7.9%6th of 66.8%
Non-owner-occupied nonfarm nonresidential, share of loans20.4%5th of 612.5%
Total CRE, the guidance definition, share of loans35.6%6th of 622.5%
CRE growth over 36 months, the third prong+2.1%3rd of 6+4.1%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
UMB Bank National Association$71.90B1.4%51.4%0.34%0.17%1.1%68.4%10.9%
Commerce Bank$35.02B1.2%60.0%0.17%0.24%0.9%74.1%11.0%
Central Trust Bank$20.31B2.0%47.8%0.49%0.10%1.3%71.3%9.0%
Stifel Bank & Trust$19.62B1.9%26.9%1.09%0.41%0.6%86.9%6.8%
Enterprise Bank & Trust$17.36B1.1%61.0%0.98%0.30%1.2%80.8%11.8%
Stifel Bank$14.62B1.3%29.1%0.06%0.00%0.4%72.9%6.2%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Central Trust BankCohort median
20212026Change20212026Change
Loans$1.31B$11.70B+792%$9.19B$13.56B+48%
Deposits$2.45B$16.41B+571%$11.55B$16.97B+47%
NPA / loans0.23%0.49%+0.26 pts0.19%0.42%+0.23 pts
Efficiency69.1%47.8%-21.4 pts54.6%49.6%-5.0 pts
ROA1.20%2.00%+0.80 pts1.46%1.36%-0.09 pts

This read was prepared for Central Trust Bank's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Central Trust Bank is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort MO banks over $10B
Institution www.centralbank.net

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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