BlastPoint's Banking Scorecard

The Central Trust Bank

$10B-$250B Specialty: Commercial MO FDIC cert 12633

Jefferson City, MO

166 branches across MO · KS · OK · CO · IL · FL · NC

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 139 banks in the $10B-$250B peer group nationwide — 1 of 6 in MO.
Deposits +8.9% year over year ($16.4B on the books).
Delinquency rate 0.49%.
Return on assets 1.99%.
Efficiency ratio 47.47% vs a 53.67% peer average.
Loan-to-deposit ratio 70.41% vs a 82.61% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

139 banks in the $10B-$250B peer group nationally 6 in MO

View $10B-$250B leaderboard (MO) →

The Central Trust Bank has 5 strengths but faces 2 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Profitability Leader: Top 25.7% in tier
+ Deposit Franchise: Top 44.4% in tier
+ Revenue Diversifier: Top 45.7% in tier
+ Efficiency Ratio 6.20% below tier average
+ Delinquency Rate 0.52% below tier average

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 8.5% in tier
- Credit Quality Pressure: Bottom 26.9% in tier

Get updates when The Central Trust Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Total Assets ?	$20.3B +6.5% YoY -0.8% QoQ	-$23.3B	$43.6B -13.8% YoY	$1.6B +6.4% YoY	$6.3B +7.7% YoY	39%
Total Loans ?	$11.6B +3.3% YoY +1.2% QoQ	-$16.4B	$28.0B -8.6% YoY	$1.0B +10.0% YoY	$3.2B +9.4% YoY	29%
Total Deposits ?	$16.4B +8.9% YoY -0.0% QoQ	-$19.0B	$35.4B -14.0% YoY	$1.3B +6.1% YoY	$4.9B +7.3% YoY	38%
Return on Assets ?	1.99% +13.7% YoY +1.5% QoQ	+0.60%	1.39% +25.9% YoY	1.46% +5.9% YoY	1.30% +12.1% YoY	Top 10.8% in tier
Net Interest Margin ?	4.02% +2.1% YoY +1.5% QoQ	+0.10%	3.92% +8.9% YoY	4.55% +0.7% YoY	3.95% +4.9% YoY	78%
Efficiency Ratio ?	47.47% -8.2% YoY +0.3% QoQ	-6.20%	53.67% -1.9% YoY	59.57% -3.2% YoY	70.05% +2.5% YoY	78%
Delinquency Rate ?	0.49% +16.9% YoY +8.4% QoQ	-0.52%	1.01% -2.8% YoY	0.82% +12.6% YoY	0.98% +16.3% YoY	72%
Loan-to-Deposit Ratio ?	70.41% -5.1% YoY +1.3% QoQ	-12.20%	82.61% +3.1% YoY	80.82% +1.6% YoY	79.03% +2.3% YoY	83%
Non-Interest-Bearing Deposit Share ?	35.02% -1.0% YoY +2.7% QoQ	+14.44%	20.58% +4.9% YoY	20.71% -0.5% YoY	21.98% -0.6% YoY	Top 5.0% in tier
Nonperforming Asset Ratio ?	0.29% +6.0% YoY +10.6% QoQ	-0.44%	0.73% +5.8% YoY	0.67% +14.9% YoY	0.69% +15.8% YoY	79%
Tier 1 Capital Ratio ?	12.69% -5.7% YoY -1.8% QoQ	-2.66%	15.35% -0.4% YoY	15.38% -1.1% YoY	17.09% +0.8% YoY	43%
Non-Interest Income / Assets ?	0.64% +16.6% YoY +107.4% QoQ	+0.15%	0.50% +10.5% YoY	0.58% +5.8% YoY	0.66% +5.2% YoY	83%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Noninterest-Bearing	35.0% -0.4pp YoY +0.9pp QoQ	+14.0pp	21.0%	20.9%	22.2%	94%
Brokered Deposits	n/a	n/a	9.2%	7.4%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
C&I	10.4% -0.6pp YoY +0.2pp QoQ	-6.8pp	17.2%	12.3%	12.5%	26%
CRE	47.3% +0.3pp YoY -0.1pp QoQ	+5.3pp	42.0%	36.8%	41.4%	57%
1-4 Family	31.0% +1.7pp YoY +0.3pp QoQ	+7.9pp	23.1%	31.9%	31.3%	77%
Consumer	4.8% -1.6pp YoY -0.3pp QoQ	-8.1pp	12.9%	4.1%	5.0%	66%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
CET1 Ratio	12.7% -0.8pp YoY -0.2pp QoQ	-2.6pp	15.3%	18.5%	19.7%	43%
Leverage Ratio	7.9% -0.7pp YoY +0.1pp QoQ	-2.5pp	10.4%	11.6%	12.6%	6%
Total Capital Ratio	13.9% -0.8pp YoY -0.2pp QoQ	-2.6pp	16.5%	19.6%	20.8%	38%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Full-Time Employees	2,971 +42 (+1.4%) YoY +53 (+1.8%) QoQ	-287	3,258	162	482	68%
Assets per Employee ($)	$6.8M +5.0% YoY -2.6% QoQ	-$20.2M	$27.0M	$8.0M	$8.8M	4%
Branch Count	177 +5 (+2.9%) YoY +3 (+1.7%) QoQ	+39	137	10	18	73%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Past Due 90+ Days	0.0% 0.0pp YoY 0.0pp QoQ	-0.4pp	0.4%	0.3%	0.4%	34%
Nonaccrual	0.5% +0.1pp YoY 0.0pp QoQ	-0.2pp	0.7%	0.8%	1.0%	35%
Allowance Coverage	2.63x -16.6% YoY -8.6% QoQ	-0.18x	2.81x	10.47x	20.23x	71%
Net Charge-off Rate (YTD)	0.1% 0.0pp YoY 0.0pp QoQ	-0.3pp	0.4%	0.3%	0.2%	38%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
ROE	22.1% +3.6pp YoY +0.3pp QoQ	+9.5pp	12.6%	14.3%	11.6%	92%
Cost of Funds (YTD)	1.3% -0.1pp YoY 0.0pp QoQ	-0.6pp	2.0%	1.8%	1.7%	19%
Net Income ($, YTD)	$204.1M +21.0% YoY — QoQ	-$92.7M	$296.8M	$11.3M	$40.4M	62%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (3)

Profitability Leader

growth

#10 of 35 • Top 25.7% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature

Return on Assets: 1.99%

(Tier: 1.39%, National: 1.30%)

better than tier avg

35 of 35 Large banks match · 923 nationally

→ Stable

Deposit Franchise

growth

#5 of 9 • Top 44.4% in tier

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: 35.02%

(Tier: 20.58%, National: 21.98%)

better than tier avg

Net Interest Margin: 4.02%

(Tier: 3.92%, National: 3.95%)

better than tier avg

9 of 9 Large banks match · 368 nationally

→ Stable -1 banks QoQ

Revenue Diversifier

growth

#17 of 35 • Top 45.7% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature

Noninterest Income / Assets: 0.64%

(Tier: 0.50%, National: 0.66%)

better than tier avg

Return on Assets: 1.99%

(Tier: 1.39%, National: 1.30%)

better than tier avg

35 of 35 Large banks match · 923 nationally

→ Stable | QoQ rank declining

Concerns (2)

Credit Risk Growth

risk

#6 of 59 • Bottom 8.5% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

59 of 59 Large banks match · 1401 nationally

→ Stable -58 banks QoQ

Credit Quality Pressure

risk

#19 of 67 • Bottom 26.9% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.49%

(Tier: 1.01%, National: 0.98%)

better than tier avg

67 of 67 Large banks match · 1820 nationally

→ Stable -71 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 139 peers in $10B-$250B

Top Strengths (7 metrics)

Non-Interest-Bearing Deposit Share

funding

Value: 35.02%

Peer Median: 20.58%

#8 of 139 Top 5.0% in $10B-$250B

Return on Assets

profitability

Value: 1.99%

Peer Median: 1.39%

#16 of 139 Top 10.8% in $10B-$250B

Loan-to-Deposit Ratio

liquidity

Value: 70.41%

Peer Median: 82.61%

#25 of 139 Top 17.3% in $10B-$250B

Non-Interest Income / Assets

revenue_mix

Value: 0.64%

Peer Median: 0.50%

#25 of 139 Top 17.3% in $10B-$250B

Nonperforming Asset Ratio

credit_quality

Value: 0.29%

Peer Median: 0.73%

#30 of 139 Top 20.9% in $10B-$250B

Efficiency Ratio

profitability

Value: 47.47%

Peer Median: 53.67%

#31 of 139 Top 21.6% in $10B-$250B

Net Interest Margin

profitability

Value: 4.02%

Peer Median: 3.92%

#32 of 139 Top 22.3% in $10B-$250B

Top Weaknesses (0 metrics)

No weakness rankings available