Central Bank and Trust: how it compares with its peers
Against 9 WY banks with half to twice its assets, Central Bank and Trust's strongest measure in Q2 2026 is return on assets (2.19% vs. a 1.15% peer median). Its weakest relative measure is assets per employee ($5.1M vs. $6.8M).
| Measure | Central Bank and Trust | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 2.19% | 1.15% | Top third Ahead of 100% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.55% | 4.14% | Top third Ahead of 100% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 52.55% | 65.49% | Top third Ahead of 89% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.1M | $6.8M | Bottom third Ahead of 0% of peers |
| Loans to deposits Net loans and leases over total deposits. | 60.86% | 60.05% | Context |
What it means for lending operations
Its efficiency ratio of 52.55% is better than the 65.49% 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
- Buffalo Federal Bank Buffalo, WY · $203M
- Bank of Commerce Rawlins, WY · $216M
- Tanager Bank Jackson, WY · $222M
- Wyoming Community Bank Riverton, WY · $262M
- State Bank Green River, WY · $115M
- Sundance State Bank Sundance, WY · $291M
Questions about Central Bank and Trust
How big is Central Bank and Trust?
Central Bank and Trust, established in 1890, is headquartered in Lander, WY. It reported $203M in total assets in its Q2 2026 FDIC call report and operates 5 offices.
What is Central Bank and Trust's return on assets?
2.19% annualized in Q2 2026, against a 1.15% median for 9 WY banks with half to twice its assets, ahead of 100% of them.
What is Central Bank and Trust's efficiency ratio?
52.55% in Q2 2026: it spent about 53 cents in noninterest expense for each dollar of revenue. The peer median is 65.49%, and lower is better.
Is Central Bank and Trust growing its loans?
Net loans grew 3.3% over the year to Q2 2026, while deposits grew 4.3%.
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 WY 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 Wyoming bank ranked.