Lander, WY · Cert 529 · Central Trust Co.
State charter, non-member · FDIC · 1 affiliate bank · 5 branches (10 in holding)
Q2 2026
Market Position · Cheyenne, WY · 2026 SOD (annual) · 0.2% share · #18 of 19 inst. · $0.0B of $3.2B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.43% | 1.41% | 1.30% | 1.59% | 1.72% | +30 bps | |
| Return on Equity | 17.18% | 16.77% | 15.58% | 19.05% | 20.48% | +330 bps | |
| Net Interest Margin | 4.05% | 4.18% | 4.13% | 4.30% | 4.39% | +34 bps | |
| Efficiency Ratio | 57.63% | 58.64% | 62.30% | 54.64% | 52.55% | -508 bps | |
| Non-Interest Burden | 2.21% | 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 / Loans | 0.02% | 0.02% | 0.00% | 0.00% | 0.00% | -2 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.02% | 0.01% | 0.02% | +2 bps | |
| Allowance / Loans | 0.73% | 0.74% | 0.72% | 0.72% | 0.73% | 0 bps | |
| Allowance Coverage of NPLs | 30.4x | 30.5x | 787.0x | 159.6x | 203.8x | +173.3x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 8.31% | 8.63% | 8.41% | 8.64% | 8.56% | +25 bps | |
| Total Risk-Based Capital | 17.62% | 17.92% | 17.54% | 17.89% | 17.97% | +35 bps | |
| Equity / Assets | 8.31% | 8.63% | 8.34% | 8.39% | 8.50% | +19 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 61.91% | 62.07% | 59.63% | 58.63% | 61.31% | -60 bps | |
| Liquid Assets / Assets | 18.48% | 19.88% | 15.87% | 13.31% | 8.66% | -982 bps | |
| CRE / Total Capital | n/a | 277% | 268% | 299% | n/a | n/a | |