Central Bank&Trust (FDIC #529): Bank Stress & Real-Estate Credit Exposure

Central Bank&Trust (FDIC Cert #529): bank stress 52/100, moderate, STABLE over 7 days; parent CENTRAL TRUST CO.

Central Bank&Trust (#529) lends in 3 counties across 1 state; Central Bank&Trust (#529) reaches 28 ZIP codes: Wyoming 3 counties, 28 ZIPs.

Central Bank&Trust (#529) largest markets: Laramie County, WY (13 branches, 13 ZIPs) (#529), Fremont County, WY (36 branches, 12 ZIPs) (#529), Hot Springs County, WY (3 branches, 3 ZIPs) (#529).

Central Bank&Trust (#529) reports $202.5 million in total assets; Central Bank&Trust (#529) equity $17.2 million (8.5% of Central Bank&Trust (#529) assets); Central Bank&Trust (#529) domestic deposits $182.3 million; Central Bank&Trust (#529) net income $2.2 million; Central Bank&Trust (#529) return on assets 2.19%; Central Bank&Trust (#529) return on equity 26.08%; Central Bank&Trust (#529) net interest income $4.5 million; Central Bank&Trust (#529) call report June 30, 2026.

Central Bank&Trust (#529) noncurrent real-estate loans: none reported; Central Bank&Trust (#529) net charge-offs on real estate 0.00%.

Central Bank&Trust (#529) net interest margin 4.55% against an eight-quarter Central Bank&Trust (#529) average of 4.08% (Central Bank&Trust (#529) compression -0.47 points); Central Bank&Trust (#529) rate-exposure score 40/100, Central Bank&Trust (#529) fixed-rate trap 40/100; Central Bank&Trust (#529) risk type credit driven; Central Bank&Trust (#529) rate regime rates elevated, Central Bank&Trust (#529) snapshot October 19, 2026.

Central Bank&Trust (#529) stress score moved from 54.6 on June 22, 2026 to 52 on October 19, 2026; Central Bank&Trust (#529) ranged 52 to 54.6 over 116 snapshots.

Central Bank&Trust (#529) alerts: 3 counties; top Central Bank&Trust (#529) alert scores: Cheyenne County, WY 21 (low); Riverton County, WY 21 (low); Thermopolis County, WY 21 (low).