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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 1.84%, up 33 bps year over year; NIM at 4.53%.
  • Asset quality: problem loans at 0.00% of loans (-2 bps YoY), with net charge-offs at 0.03%.
  • 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 (quarter, annualized)

1.84%+33 bps YoY

Net Interest Margin (quarter, annualized)

4.53%+39 bps YoY

Efficiency Ratio (quarter, annualized)

50.59%-597 bps YoY

Tier 1 Leverage Ratio

8.56%+25 bps YoY

NIM

3.92%Q2 ’244.63%Q2 ’255.17%Q2 ’26+21%+9%

Non-interest income vs. expense

2.52%Q2 ’242.50%Q2 ’252.43%Q2 ’26-2%-3%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.07%3.34%1.34%1.51%1.36%1.01%1.59%1.84%+33 bps
Return on Equity13.51%40.26%16.20%18.44%16.09%11.89%19.05%21.78%+334 bps
Net Interest Margin3.63%3.76%3.85%4.13%4.14%4.40%4.30%4.53%+39 bps
Efficiency Ratio66.67%41.39%58.75%56.56%60.69%72.39%54.64%50.59%-597 bps
Non-Interest Burden2.31%-0.48%2.15%2.21%2.38%3.10%2.23%2.15%-6 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 / Loans0.00%0.02%0.00%0.00%0.00%0.10%0.01%0.03%+3 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