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
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% | 104 / 746 | |
| Return on Equity | 20.39% | 6.74% | 10.51% | 13.63% | Beats 97% | 25 / 746 | |
| Net Interest Margin | 4.39% | 3.17% | 3.68% | 4.16% | Beats 84% | 120 / 746 | |
| Efficiency Ratio | 52.55% | 55.74% | 64.58% | 75.47% | Beats 81% | 142 / 746 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.09% | 0.42% | 1.07% | Beats 84% | 118 / 743 | |
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.01% | 0.05% | Beats 53% | 353 / 743 | |
| Capital |
| Tier 1 Capital Ratio | 17.17% | 11.55% | 13.75% | 17.60% | Beats 73% | 204 / 746 | |
| Total Risk-Based Capital Ratio | 17.97% | 11.71% | 14.33% | 18.43% | Beats 73% | 199 / 746 | |
| Equity / Assets | 8.50% | 8.90% | 10.51% | 13.06% | Beats 19% | 602 / 746 | |
| Liquidity & Funding |
| Loans / Deposits | 61.31% | 61.31% | 78.27% | 90.78% | 25th pctl | 560 / 746 | |
| Loans / Assets | 55.19% | 53.60% | 66.97% | 76.08% | 27th pctl | 542 / 746 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |