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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=743 to 746). 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

47

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 2026-10-11

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 $1.4MQ3 2024Q2 2026
Deposit mix
72%Interest-bearing $132.0M28%Noninterest $50.3MQ3 2024Q2 2026

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.

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

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%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.00%1.58%1.34%1.43%1.41%1.30%1.59%1.72%+30 bps
Return on Equity12.84%19.93%16.20%17.18%16.77%15.58%19.05%20.48%+330 bps
Net Interest Margin3.55%3.55%3.85%4.05%4.18%4.13%4.30%4.39%+34 bps
Efficiency Ratio65.93%56.34%58.75%57.63%58.64%62.30%54.64%52.55%-508 bps
Non-Interest Burden2.24%1.53%2.15%2.21%2.32%2.46%2.23%2.18%-3 bps
Growth
Asset Growth (YoY)-7.89%-0.90%0.11%-0.79%-3.47%-2.74%1.46%2.31%+310 bps
Loan Growth (YoY)-4.26%-9.27%-9.35%-5.72%-5.34%-1.08%4.03%3.27%+898 bps
Deposit Growth (YoY)-3.18%-0.41%0.16%-4.88%-5.74%-3.33%1.12%4.27%+915 bps
Asset Quality
Nonperforming Loans / Loans0.20%0.21%0.02%0.02%0.02%0.00%0.00%0.00%-2 bps
Net Charge-Offs / Loans0.42%0.33%0.00%0.00%0.00%0.02%0.01%0.02%+2 bps
Allowance / Loans0.71%0.72%0.74%0.73%0.74%0.72%0.72%0.73%0 bps
Allowance Coverage of NPLs3.5x3.5x30.4x30.4x30.5x787.0x159.6x203.8x+173.3x
Capital
Tier 1 Leverage Ratio8.30%9.01%8.14%8.31%8.63%8.41%8.64%8.56%+25 bps
Total Risk-Based Capital16.67%19.03%17.58%17.62%17.92%17.54%17.89%17.97%+35 bps
Equity / Assets8.04%8.53%8.06%8.31%8.63%8.34%8.39%8.50%+19 bps
Liquidity & Funding
Loans / Deposits61.81%58.27%57.00%61.91%62.07%59.63%58.63%61.31%-60 bps
Liquid Assets / Assets30.45%24.88%24.54%18.48%19.88%15.87%13.31%8.66%-982 bps
CRE / Total Capitaln/an/an/an/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 2026-10-11

Central Bank and Trust

Lander, WY · Cert 529 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · 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 25 of 746).
  • Widest gap: equity / assets trails 81% of banks under $1B in assets operating in a single state (rank 602 of 746).
  • Overall: at or above the peer median on 8 of 9 directional measures.

Return on Assets

1.73%

Rank 104 of 746

Net Interest Margin

4.39%

Rank 120 of 746

Efficiency Ratio

52.55%

Rank 142 of 746

Equity / Assets

8.50%

Rank 602 of 746

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 64.6%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.73%0.72%1.06%1.45%Beats 86%104 / 746
Return on Equity20.39%6.74%10.51%13.63%Beats 97%25 / 746
Net Interest Margin4.39%3.17%3.68%4.16%Beats 84%120 / 746
Efficiency Ratio52.55%55.74%64.58%75.47%Beats 81%142 / 746
Asset Quality
Nonperforming Loans / Loans0.00%0.09%0.42%1.07%Beats 84%118 / 743
Net Charge-Offs / Loans0.01%0.00%0.01%0.05%Beats 53%353 / 743
Capital
Tier 1 Capital Ratio17.17%11.55%13.75%17.60%Beats 73%204 / 746
Total Risk-Based Capital Ratio17.97%11.71%14.33%18.43%Beats 73%199 / 746
Equity / Assets8.50%8.90%10.51%13.06%Beats 19%602 / 746
Liquidity & Funding
Loans / Deposits61.31%61.31%78.27%90.78%25th pctl560 / 746
Loans / Assets55.19%53.60%66.97%76.08%27th pctl542 / 746
Brokered Deposits / Depositsn/aNot reported for this institution