BlastPoint's Banking Scorecard

The Central Trust Bank

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

Jefferson City, MO

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

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

The Central Trust Bank has 5 strengths but faces 1 concern

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 26.5% in tier
+ Revenue Diversifier: Top 41.2% in tier
+ Deposit Franchise: Top 44.4% in tier
+ Efficiency Ratio 6.56% below tier average
+ Delinquency Rate 0.56% below tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 7.1% in tier

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Total Assets ?	$20.5B +4.7% YoY -1.6% QoQ	-$26.9B	$47.4B -2.0% YoY	$1.6B +6.5% YoY	$6.2B +9.0% YoY	38%
Total Loans ?	$11.4B +0.5% YoY +0.6% QoQ	-$18.2B	$29.6B -0.4% YoY	$1.0B +8.5% YoY	$3.2B +10.7% YoY	27%
Total Deposits ?	$16.4B +6.0% YoY -2.1% QoQ	-$22.3B	$38.7B -1.6% YoY	$1.3B +6.1% YoY	$4.8B +8.0% YoY	37%
Return on Assets ?	1.96% +10.8% YoY +7.4% QoQ	+0.68%	1.28% +19.3% YoY	1.43% +10.8% YoY	1.24% +13.1% YoY	Top 8.9% in tier
Net Interest Margin ?	3.96% +3.1% YoY -0.9% QoQ	+0.19%	3.77% +5.6% YoY	4.51% +2.1% YoY	3.89% +5.7% YoY	79%
Efficiency Ratio ?	47.34% -6.4% YoY -5.4% QoQ	-6.56%	53.90% -4.0% YoY	59.97% -5.2% YoY	66.84% -3.8% YoY	77%
Delinquency Rate ?	0.46% +4.9% YoY +12.5% QoQ	-0.56%	1.02% -4.1% YoY	0.83% +18.3% YoY	0.95% +18.8% YoY	71%
Loan-to-Deposit Ratio ?	69.53% -5.2% YoY +2.8% QoQ	-11.35%	80.88% +2.0% YoY	79.48% +1.6% YoY	76.69% +0.9% YoY	82%
Non-Interest-Bearing Deposit Share ?	34.09% -2.0% YoY +1.3% QoQ	+14.26%	19.82% +0.3% YoY	20.72% +0.3% YoY	22.01% -1.1% YoY	Top 5.2% in tier
Nonperforming Asset Ratio ?	0.26% -4.8% YoY +8.3% QoQ	-0.46%	0.73% +4.0% YoY	0.67% +20.5% YoY	0.66% +19.3% YoY	79%
Tier 1 Capital Ratio ?	12.92% -3.1% YoY +0.3% QoQ	-2.65%	15.56% -0.1% YoY	15.44% -0.4% YoY	17.06% +0.8% YoY	47%
Non-Interest Income / Assets ?	0.31% +6.4% YoY -72.1% QoQ	+0.08%	0.23% +0.9% YoY	0.29% +5.6% YoY	0.32% +4.0% YoY	82%

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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 34 • Top 26.5% in tier

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

Why this signature

Return on Assets: 1.96%

(Tier: 1.28%, National: 1.24%)

better than tier avg

34 of 34 Large banks match · 925 nationally

→ Stable +3 banks QoQ | QoQ rank declining

Revenue Diversifier

growth

#15 of 34 • Top 41.2% 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: 0.31%

(Tier: 0.23%, National: 0.32%)

better than tier avg

Return on Assets: 1.96%

(Tier: 1.28%, National: 1.24%)

better than tier avg

34 of 34 Large banks match · 925 nationally

→ Stable +3 banks QoQ | QoQ rank improving

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: 34.09%

(Tier: 19.82%, National: 22.01%)

better than tier avg

Net Interest Margin: 3.96%

(Tier: 3.77%, National: 3.89%)

better than tier avg

9 of 9 Large banks match · 369 nationally

→ Stable -13 banks QoQ | QoQ rank declining

Concerns (1)

Credit Quality Pressure

risk

#6 of 70 • Bottom 7.1% in tier

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

Why this signature

Delinquency Rate: 0.46%

(Tier: 1.02%, National: 0.95%)

better than tier avg

70 of 70 Large banks match · 1896 nationally

→ Stable +4 banks QoQ | QoQ rank improving

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 135 peers in $10B-$250B

Top Strengths (7 metrics)

Non-Interest-Bearing Deposit Share

funding

Value: 34.09%

Peer Median: 19.82%

#8 of 135 Top 5.2% in $10B-$250B

Return on Assets

profitability

Value: 1.96%

Peer Median: 1.28%

#13 of 135 Top 8.9% in $10B-$250B

Loan-to-Deposit Ratio

liquidity

Value: 69.53%

Peer Median: 80.88%

#25 of 135 Top 17.8% in $10B-$250B

Non-Interest Income / Assets

revenue_mix

Value: 0.31%

Peer Median: 0.23%

#25 of 135 Top 17.8% in $10B-$250B

Nonperforming Asset Ratio

credit_quality

Value: 0.26%

Peer Median: 0.73%

#29 of 135 Top 20.7% in $10B-$250B

Net Interest Margin

profitability

Value: 3.96%

Peer Median: 3.77%

#30 of 135 Top 21.5% in $10B-$250B

Efficiency Ratio

profitability

Value: 47.34%

Peer Median: 53.90%

#32 of 135 Top 23.0% in $10B-$250B

Top Weaknesses (0 metrics)

No weakness rankings available