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
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 | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.73% | 0.72% | 1.07% | 1.45% | Beats 86% | 107 / 752 | | |
| Return on Equity | 20.39% | 6.78% | 10.58% | 13.65% | Beats 97% | 26 / 752 | | |
| Net Interest Margin | 4.39% | 3.18% | 3.69% | 4.17% | Beats 83% | 125 / 752 | | |
| Efficiency Ratio | 52.55% | 55.75% | 64.49% | 75.47% | Beats 81% | 143 / 752 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.09% | 0.42% | 1.03% | Beats 84% | 119 / 748 | | |
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.01% | 0.05% | Beats 54% | 347 / 748 | | |
| Capital |
| Tier 1 Capital Ratio | 17.17% | 11.55% | 13.75% | 17.60% | Beats 73% | 206 / 752 | | |
| Total Risk-Based Capital Ratio | 17.97% | 11.70% | 14.33% | 18.47% | Beats 73% | 201 / 752 | | |
| Equity / Assets | 8.50% | 8.93% | 10.56% | 13.13% | Beats 19% | 610 / 752 | | |
| Liquidity & Funding |
| Loans / Deposits | 61.31% | 62.23% | 78.64% | 91.26% | 24th pctl | 573 / 752 | | |
| Loans / Assets | 55.19% | 54.61% | 67.41% | 76.47% | 26th pctl | 555 / 752 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |