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Central Bank and Trust

Lander, WY · Cert 529 · Central Trust Co.

State charter, non-member · FDIC · 5 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets operating in a single state3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets operating in a single state (n=748 to 752). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

55

Q2 2024Q2 2026peer median (50)

Asset Quality

69

Q2 2024Q2 2026peer median (50)

Profitability

89

Q2 2024Q2 2026peer median (50)

Liquidity

45

Q2 2024Q2 2026peer median

Efficiency

81

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-10

Central Bank and Trust

Lander, WY · Cert 529 · Central Trust Co.

State charter, non-member · FDIC · 1 affiliate bank · 5 branches (10 in holding)

Q2 2026

$202.5MAssets
$111.8MLoans
$182.3MDeposits
$17.2MEquity
Loan mix
91%RE $100.7M8%C&I $8.3M1%Consumer $1.4MQ2 2025Q2 2026
Deposit mix
72%Interest-bearing $132.0M28%Noninterest $50.3MQ2 2025Q2 2026

NIM

3.94%Q2 ’244.53%Q2 ’255.02%Q2 ’26+17%+8%

Non-interest income vs. expense

2.43%Q2 ’242.50%Q2 ’252.45%Q2 ’26+2%-2%

Market Position · Cheyenne, WY · 2026 SOD (annual) · 0.2% share · #18 of 19 inst. · $0.0B of $3.2B

14.3% Fremont
13.6% Hot Springs
0.2% Laramie

Executive Summary

  • Earnings: ROA of 1.72%, up 30 bps year over year; NIM at 4.39%.
  • Asset quality: problem loans at 0.00% of loans (-2 bps YoY), with net charge-offs at 0.02%.
  • Capital: tier 1 leverage ratio of 8.56%, up 25 bps from a year ago.
  • Funding: loans stand at 61.31% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.72%+30 bps YoY

Net Interest Margin (YTD, annualized)

4.39%+34 bps YoY

Efficiency Ratio (YTD, annualized)

52.55%-508 bps YoY

Tier 1 Leverage Ratio

8.56%+25 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.43%1.41%1.30%1.59%1.72%+30 bps
Return on Equity17.18%16.77%15.58%19.05%20.48%+330 bps
Net Interest Margin4.05%4.18%4.13%4.30%4.39%+34 bps
Efficiency Ratio57.63%58.64%62.30%54.64%52.55%-508 bps
Non-Interest Burden2.21%2.32%2.46%2.23%2.18%-3 bps
Growth
Asset Growth (YoY)-0.79%-3.47%-2.74%1.46%2.31%+310 bps
Loan Growth (YoY)-5.72%-5.34%-1.08%4.03%3.27%+898 bps
Deposit Growth (YoY)-4.88%-5.74%-3.33%1.12%4.27%+915 bps
Asset Quality
Nonperforming Loans / Loans0.02%0.02%0.00%0.00%0.00%-2 bps
Net Charge-Offs / Loans0.00%0.00%0.02%0.01%0.02%+2 bps
Allowance / Loans0.73%0.74%0.72%0.72%0.73%0 bps
Allowance Coverage of NPLs30.4x30.5x787.0x159.6x203.8x+173.3x
Capital
Tier 1 Leverage Ratio8.31%8.63%8.41%8.64%8.56%+25 bps
Total Risk-Based Capital17.62%17.92%17.54%17.89%17.97%+35 bps
Equity / Assets8.31%8.63%8.34%8.39%8.50%+19 bps
Liquidity & Funding
Loans / Deposits61.91%62.07%59.63%58.63%61.31%-60 bps
Liquid Assets / Assets18.48%19.88%15.87%13.31%8.66%-982 bps
CRE / Total Capitaln/a277%268%299%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-10

Central Bank and Trust

Lander, WY · Cert 529 · Peer group: banks under $1B in assets operating in a single state (n=748-752) · Central Trust Co.

State charter, non-member · FDIC · 1 affiliate bank · 5 branches (10 in holding)

Q2 2026

$202.5MAssets
$111.8MLoans
$182.3MDeposits
$17.2MEquity

Executive Summary

  • Strongest standing: return on equity outperforms 97% of banks under $1B in assets operating in a single state (rank 26 of 752).
  • Widest gap: equity / assets trails 81% of banks under $1B in assets operating in a single state (rank 610 of 752).
  • Overall: at or above the peer median on 8 of 9 directional measures.

Return on Assets

1.73%

Rank 107 of 752

Net Interest Margin

4.39%

Rank 125 of 752

Efficiency Ratio

52.55%

Rank 143 of 752

Equity / Assets

8.50%

Rank 610 of 752

Non-interest income vs. expense

$0.6M$5.0MINCOMEEXPENSE
Unfavorable gap of $4.5M · efficiency ratio beats 81% of banks under $1B in assets operating in a single state
Bank 52.55%Peer median 64.5%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.73%0.72%1.07%1.45%Beats 86%107 / 752
Return on Equity20.39%6.78%10.58%13.65%Beats 97%26 / 752
Net Interest Margin4.39%3.18%3.69%4.17%Beats 83%125 / 752
Efficiency Ratio52.55%55.75%64.49%75.47%Beats 81%143 / 752
Asset Quality
Nonperforming Loans / Loans0.00%0.09%0.42%1.03%Beats 84%119 / 748
Net Charge-Offs / Loans0.01%0.00%0.01%0.05%Beats 54%347 / 748
Capital
Tier 1 Capital Ratio17.17%11.55%13.75%17.60%Beats 73%206 / 752
Total Risk-Based Capital Ratio17.97%11.70%14.33%18.47%Beats 73%201 / 752
Equity / Assets8.50%8.93%10.56%13.13%Beats 19%610 / 752
Liquidity & Funding
Loans / Deposits61.31%62.23%78.64%91.26%24th pctl573 / 752
Loans / Assets55.19%54.61%67.41%76.47%26th pctl555 / 752
Brokered Deposits / Depositsn/aNot reported for this institution