Central Trust Bank (FDIC #12633): Bank Stress & Real-Estate Credit Exposure

Central Trust Bank (FDIC Cert #12633): bank stress 54/100, moderate, STABLE over 7 days; parent CENTRAL BANCOMPANY INC.

Central Trust Bank (#12633) lends in 40 counties across 6 states; Central Trust Bank (#12633) reaches 755 ZIP codes: Missouri 26 counties, 388 ZIPs; Colorado 5 counties, 130 ZIPs; Oklahoma 3 counties, 114 ZIPs; Kansas 3 counties, 58 ZIPs; Illinois 2 counties, 41 ZIPs; Florida 1 county, 24 ZIPs.

Central Trust Bank (#12633) largest markets: Jackson County, MO (812 branches, 58 ZIPs) (#12633), Oklahoma County, OK (165 branches, 55 ZIPs) (#12633), St. Louis County, MO (470 branches, 47 ZIPs) (#12633), El Paso County, CO (47 branches, 47 ZIPs) (#12633), Tulsa County, OK (215 branches, 43 ZIPs) (#12633), Johnson County, KS (455 branches, 35 ZIPs) (#12633).

Central Trust Bank (#12633) reports $20.31 billion in total assets; Central Trust Bank (#12633) equity $1.83 billion (9.0% of Central Trust Bank (#12633) assets); Central Trust Bank (#12633) domestic deposits $16.41 billion; Central Trust Bank (#12633) net income $204.1 million; Central Trust Bank (#12633) return on assets 1.99%; Central Trust Bank (#12633) return on equity 22.10%; Central Trust Bank (#12633) net interest income $388.5 million; Central Trust Bank (#12633) call report June 30, 2026.

Central Trust Bank (#12633) noncurrent real-estate loans: none reported; Central Trust Bank (#12633) commercial real estate -0.12%; Central Trust Bank (#12633) residential -0.03%; Central Trust Bank (#12633) net charge-offs on real estate 0.47%; Central Trust Bank (#12633) commercial charge-offs 8.74%; Central Trust Bank (#12633) residential charge-offs 0.48%.

Central Trust Bank (#12633) net interest margin 4.02% against an eight-quarter Central Trust Bank (#12633) average of 3.84% (Central Trust Bank (#12633) compression -0.18 points); Central Trust Bank (#12633) commercial real estate 873.6% of equity; Central Trust Bank (#12633) non-residential real estate 47.8% of equity; Central Trust Bank (#12633) rate-exposure score 90/100, Central Trust Bank (#12633) fixed-rate trap 90/100; Central Trust Bank (#12633) risk type cre heavy; Central Trust Bank (#12633) rate regime rates elevated, Central Trust Bank (#12633) snapshot October 20, 2026.

Central Trust Bank (#12633) stress score moved from 53.8 on June 22, 2026 to 54.3 on October 20, 2026; Central Trust Bank (#12633) ranged 53.8 to 54.3 over 117 snapshots.

Central Trust Bank (#12633) alerts: 40 counties; top Central Trust Bank (#12633) alert scores: Lawrence County, MO 38 (moderate); Ozark County, MO 27 (low); Belton County, MO 19 (low); Boonville County, MO 19 (low); California County, MO 19 (low).