Central Bank and Trust
Lander, WY · Cert 529 · Peer group: banks under $1B in assets operating in a single state (n=751-755) · 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 755).
- Widest gap: equity / assets trails 81% of banks under $1B in assets operating in a single state (rank 613 of 755).
- Overall: at or above the peer median on 8 of 9 directional measures.
Return on Assets
1.73%
Rank 109 of 755
Net Interest Margin
4.39%
Rank 121 of 755
Efficiency Ratio
52.55%
Rank 143 of 755
Equity / Assets
8.50%
Rank 613 of 755
Non-interest income vs. expense
Unfavorable gap of $4.5M · efficiency ratio beats 81% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.73% | 0.72% | 1.06% | 1.45% | Beats 86% | 109 / 755 | |
| Return on Equity | 20.39% | 6.66% | 10.44% | 13.61% | Beats 97% | 26 / 755 | |
| Net Interest Margin | 4.39% | 3.15% | 3.68% | 4.17% | Beats 84% | 121 / 755 | |
| Efficiency Ratio | 52.55% | 55.75% | 64.78% | 75.61% | Beats 81% | 143 / 755 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.09% | 0.42% | 1.05% | Beats 84% | 122 / 751 | |
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.01% | 0.05% | Beats 54% | 349 / 751 | |
| Capital |
| Tier 1 Capital Ratio | 17.17% | 11.56% | 13.81% | 17.74% | Beats 72% | 211 / 755 | |
| Total Risk-Based Capital Ratio | 17.97% | 11.72% | 14.46% | 18.53% | Beats 73% | 207 / 755 | |
| Equity / Assets | 8.50% | 8.93% | 10.56% | 13.13% | Beats 19% | 613 / 755 | |
| Liquidity & Funding |
| Loans / Deposits | 61.31% | 62.43% | 78.62% | 91.00% | 23rd pctl | 579 / 755 | |
| Loans / Assets | 55.19% | 54.70% | 67.27% | 76.55% | 26th pctl | 559 / 755 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |