BlastPoint's Banking Scorecard
The Central Trust Bank
Mid-Market
Specialty: Commercial
MO
FDIC cert 12633
Jefferson City, MO
201
banks in Mid-Market tier nationally
7 in MO
View Mid-Market leaderboard (MO) →
The Central Trust Bank has 2 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 12% in Mid-Market
- + Deposit Franchise: Top 67% in Mid-Market
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 23% in Mid-Market
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$20.8B
+8.2% YoY
+8.4% QoQ
|
+$10.3B |
$10.5B
+2.9% YoY
|
$1.5B
+13.3% YoY
|
$5.9B
+6.5% YoY
|
Top 8% in tier |
| Total Loans ? |
$11.3B
-1.3% YoY
+1.3% QoQ
|
+$4.2B |
$7.1B
+4.5% YoY
|
$962.2M
+12.2% YoY
|
$3.1B
+8.5% YoY
|
83% |
| Total Deposits ? |
$16.8B
+9.5% YoY
+10.6% QoQ
|
+$8.2B |
$8.5B
+3.0% YoY
|
$1.3B
+12.4% YoY
|
$4.7B
+6.3% YoY
|
Top 6% in tier |
| Return on Assets ? |
1.82%
+29.7% YoY
+2.4% QoQ
|
+0.66% |
1.16%
+9.4% YoY
|
1.34%
+11.8% YoY
|
1.12%
+15.6% YoY
|
Top 11% in tier |
| Net Interest Margin ? |
4.00%
+13.6% YoY
-0.1% QoQ
|
+0.60% |
3.40%
+7.9% YoY
|
3.96%
+8.2% YoY
|
3.75%
+7.1% YoY
|
78% |
| Efficiency Ratio ? |
50.05%
-7.6% YoY
-1.6% QoQ
|
-6.56% |
56.60%
-3.2% YoY
|
60.96%
-4.9% YoY
|
65.09%
-5.1% YoY
|
75% |
| Delinquency Rate ? |
0.41%
+18.1% YoY
-10.5% QoQ
|
-0.28% |
0.68%
+12.0% YoY
|
0.68%
+40.2% YoY
|
0.66%
+20.3% YoY
|
65% |
| Loan-to-Deposit Ratio ? |
67.62%
-9.9% YoY
-8.4% QoQ
|
-17.85% |
85.47%
+1.1% YoY
|
81.02%
+1.1% YoY
|
78.04%
+0.7% YoY
|
Top 12% in tier |
| Non-Interest-Bearing Deposit Share ? |
33.66%
-2.7% YoY
-5.3% QoQ
|
+13.02% |
20.64%
-0.3% YoY
|
21.00%
+0.9% YoY
|
21.79%
-1.3% YoY
|
Top 8% in tier |
| Nonperforming Asset Ratio ? |
0.24%
+7.9% YoY
-17.0% QoQ
|
-0.26% |
0.50%
+7.3% YoY
|
0.56%
+46.7% YoY
|
0.48%
+20.8% YoY
|
74% |
| Tier 1 Capital Ratio ? |
12.88%
+2.6% YoY
-5.1% QoQ
|
-0.67% |
13.55%
+1.8% YoY
|
8.09%
-3.5% YoY
|
9.75%
-1.9% YoY
|
47% |
| Non-Interest Income / Assets ? |
1.11%
-10.8% YoY
+27.3% QoQ
|
+0.16% |
0.96%
+7.1% YoY
|
0.63%
+2.3% YoY
|
0.65%
+0.6% YoY
|
81% |
Signature Analysis
Strengths (2)
Profitability Leader
growth
#7 of 51 · Top 12% in Mid-Market
Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Why this signature
Return on Assets:
1.82%
(Tier: 1.16%, National: 1.12%)
51 of 51 Mid-Market banks match
·
444 nationally
→ Stable
+5 banks QoQ
|
QoQ rank improving
Deposit Franchise
growth
#15 of 22 · Top 67% in Mid-Market
Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.
Why this signature
Noninterest-Bearing Deposit Share:
33.66%
(Tier: 20.64%, National: 21.79%)
Net Interest Margin:
4.00%
(Tier: 3.40%, National: 3.75%)
22 of 22 Mid-Market banks match
·
176 nationally
→ Stable
+2 banks QoQ
|
QoQ rank declining
Concerns (1)
Credit Quality Pressure
risk
#27 of 113 · Bottom 23% in Mid-Market
Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Why this signature
Delinquency Rate:
0.41%
(Tier: 0.68%, National: 0.66%)
113 of 113 Mid-Market banks match
·
961 nationally
→ Stable
+22 banks QoQ
|
QoQ rank improving
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
94
94th pctile
Total Deposits
Current: $16.8B · Tier avg: $8.5B
92
92th pctile
Total Assets
Current: $20.8B · Tier avg: $10.5B
92
92th pctile
Non-Interest-Bearing Deposit Share
Current: 33.66% · Tier avg: 20.64%
89
89th pctile
Return on Assets
Current: 1.82% · Tier avg: 1.16%
88
88th pctile
Loan-to-Deposit Ratio
Current: 67.62% · Tier avg: 85.47%
83
83th pctile
Total Loans
Current: $11.3B · Tier avg: $7.1B
81
81th pctile
Non-Interest Income / Assets
Current: 1.11% · Tier avg: 0.96%
78
78th pctile
Net Interest Margin
Current: 4.00% · Tier avg: 3.40%
75
75th pctile
Efficiency Ratio
Current: 50.05% · Tier avg: 56.60%
74
74th pctile
Nonperforming Asset Ratio
Current: 0.24% · Tier avg: 0.50%
65
65th pctile
Delinquency Rate
Current: 0.41% · Tier avg: 0.68%
47
47th pctile
Tier 1 Capital Ratio
Current: 12.88% · Tier avg: 13.55%
Top Weaknesses
47
47th pctile
Tier 1 Capital Ratio
Current: 12.88% · Tier avg: 13.55%
65
65th pctile
Delinquency Rate
Current: 0.41% · Tier avg: 0.68%
74
74th pctile
Nonperforming Asset Ratio
Current: 0.24% · Tier avg: 0.50%
75
75th pctile
Efficiency Ratio
Current: 50.05% · Tier avg: 56.60%
78
78th pctile
Net Interest Margin
Current: 4.00% · Tier avg: 3.40%
81
81th pctile
Non-Interest Income / Assets
Current: 1.11% · Tier avg: 0.96%
83
83th pctile
Total Loans
Current: $11.3B · Tier avg: $7.1B
88
88th pctile
Loan-to-Deposit Ratio
Current: 67.62% · Tier avg: 85.47%
89
89th pctile
Return on Assets
Current: 1.82% · Tier avg: 1.16%
92
92th pctile
Non-Interest-Bearing Deposit Share
Current: 33.66% · Tier avg: 20.64%
92
92th pctile
Total Assets
Current: $20.8B · Tier avg: $10.5B
94
94th pctile
Total Deposits
Current: $16.8B · Tier avg: $8.5B