The Central Trust Bank: how it compares with its peers
Against 104 U.S. banks with half to twice its assets, The Central Trust Bank's strongest measure in Q2 2026 is return on assets (1.99% vs. a 1.21% peer median). Its weakest relative measure is assets per employee ($6.8M vs. $11.6M).
| Measure | The Central Trust Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.99% | 1.21% | Top third Ahead of 88% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.02% | 3.67% | Top third Ahead of 77% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 47.47% | 55.30% | Top third Ahead of 75% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.8M | $11.6M | Bottom third Ahead of 7% of peers |
| Loans to deposits Net loans and leases over total deposits. | 70.41% | 85.99% | Context |
What it means for lending operations
Its efficiency ratio of 47.47% is better than the 55.30% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Apple Bank New York, NY · $19.89B
- Stifel Bank and Trust Saint Louis, MO · $19.62B
- Merchants Bank of Indiana Carmel, IN · $21.17B
- Citizens Business Bank, National Association Ontario, CA · $21.18B
- Mechanics Bank Walnut Creek, CA · $21.25B
- First Merchants Bank Muncie, IN · $21.32B
Questions about The Central Trust Bank
How big is The Central Trust Bank?
The Central Trust Bank, established in 1902, is headquartered in Jefferson City, MO. It reported $20.31B in total assets in its Q2 2026 FDIC call report and operates 166 offices.
What is The Central Trust Bank's return on assets?
1.99% annualized in Q2 2026, against a 1.21% median for 104 U.S. banks with half to twice its assets, ahead of 88% of them.
What is The Central Trust Bank's efficiency ratio?
47.47% in Q2 2026: it spent about 47 cents in noninterest expense for each dollar of revenue. The peer median is 55.30%, and lower is better.
Is The Central Trust Bank growing its loans?
Net loans grew 3.3% over the year to Q2 2026, while deposits grew 8.9%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are U.S. banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Missouri bank ranked.