BlastPoint's Banking Scorecard

Central Bank and Trust

$100M-$1B Specialty: Commercial WY FDIC cert 529

Lander, WY

5 branches across WY

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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 17 in WY.
Deposits +4.3% year over year ($182.3M on the books).
Delinquency rate 0.00%.
Return on assets 2.19%.
Efficiency ratio 52.55% vs a 64.48% peer average.
Loan-to-deposit ratio 60.86% vs a 77.95% peer average.

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

2643 banks in the $100M-$1B peer group nationally 17 in WY

View $100M-$1B leaderboard (WY) →

Central Bank and Trust demonstrates 4 strengths

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 23.3% in tier
+ Net Interest Margin 0.56% above tier average
+ Efficiency Ratio 11.93% below tier average
+ Delinquency Rate 0.91% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

Get updates when Central Bank and Trust releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (WY)	National Avg	Tier Percentile
Total Assets ?	$202.5M +2.3% YoY -2.2% QoQ	-$184.0M	$386.6M +1.2% YoY	$450.2M +6.6% YoY	$6.3B +7.7% YoY	27%
Total Loans ?	$111.0M +3.3% YoY +0.6% QoQ	-$147.4M	$258.3M +1.7% YoY	$256.9M +8.1% YoY	$3.2B +9.4% YoY	22%
Total Deposits ?	$182.3M +4.3% YoY -3.8% QoQ	-$144.4M	$326.7M +0.7% YoY	$395.8M +5.2% YoY	$4.9B +7.3% YoY	30%
Return on Assets ?	2.19% +20.9% YoY +8.2% QoQ	+0.87%	1.32% +10.8% YoY	1.35% +50.4% YoY	1.30% +12.1% YoY	Top 9.0% in tier
Net Interest Margin ?	4.55% +10.4% YoY +3.5% QoQ	+0.56%	3.99% +5.0% YoY	3.97% +6.9% YoY	3.95% +4.9% YoY	82%
Efficiency Ratio ?	52.55% -8.8% YoY -3.8% QoQ	-11.93%	64.48% -3.2% YoY	70.09% -6.6% YoY	70.05% +2.5% YoY	78%
Delinquency Rate ?	0.00% -85.1% YoY -20.5% QoQ	-0.91%	0.92% +15.7% YoY	0.54% -5.2% YoY	0.98% +16.3% YoY	Top 12.9% in tier
Loan-to-Deposit Ratio ?	60.86% -1.0% YoY +4.6% QoQ	-17.09%	77.95% +1.0% YoY	246.53% +252.1% YoY	79.03% +2.3% YoY	82%
Non-Interest-Bearing Deposit Share ?	27.60% -11.9% YoY -10.0% QoQ	+5.57%	22.03% -0.6% YoY	24.71% -0.8% YoY	21.98% -0.6% YoY	75%
Nonperforming Asset Ratio ?	0.00% -98.3% YoY -98.0% QoQ	-0.67%	0.67% +16.4% YoY	0.41% +17.6% YoY	0.69% +15.8% YoY	Top 11.6% in tier
Tier 1 Capital Ratio ?	17.17% +2.1% YoY +0.4% QoQ	+1.27%	15.91% +1.4% YoY	20.04% +15.3% YoY	17.09% +0.8% YoY	78%
Non-Interest Income / Assets ?	0.14% -5.6% YoY +112.8% QoQ	-0.43%	0.57% +7.6% YoY	0.52% +37.3% YoY	0.66% +5.2% YoY	31%

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 (WY)	National Avg	Tier Percentile
Noninterest-Bearing	27.6% -3.7pp YoY -3.1pp QoQ	+5.5pp	22.1%	24.7%	22.2%	75%
Brokered Deposits	n/a	n/a	7.9%	12.5%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (WY)	National Avg	Tier Percentile
C&I	5.3% -3.9pp YoY -2.2pp QoQ	-6.2pp	11.6%	16.1%	12.5%	22%
CRE	49.2% +5.2pp YoY +1.8pp QoQ	+9.7pp	39.5%	45.3%	41.4%	69%
1-4 Family	42.4% -0.2pp YoY +0.8pp QoQ	+9.8pp	32.6%	25.2%	31.3%	74%
Consumer	1.0% -0.5pp YoY -0.2pp QoQ	-3.1pp	4.1%	4.1%	5.0%	29%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (WY)	National Avg	Tier Percentile
CET1 Ratio	17.2% +0.4pp YoY +0.1pp QoQ	-1.7pp	18.8%	25.5%	19.7%	65%
Leverage Ratio	8.6% +0.2pp YoY -0.1pp QoQ	-3.6pp	12.2%	11.6%	12.6%	7%
Total Capital Ratio	18.0% +0.3pp YoY +0.1pp QoQ	-2.0pp	19.9%	26.6%	20.8%	63%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (WY)	National Avg	Tier Percentile
Full-Time Employees	40 +1 (+2.6%) YoY 0 QoQ	-19	58	57	482	41%
Assets per Employee ($)	$5.1M -0.3% YoY -2.2% QoQ	-$2.5M	$7.5M	$8.7M	$8.8M	15%
Branch Count	5 0 YoY 0 QoQ	0	4	4	18	55%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (WY)	National Avg	Tier Percentile
Past Due 90+ Days	0.0% 0.0pp QoQ	-0.3pp	0.3%	0.2%	0.4%	10%
Nonaccrual	n/a	n/a	0.9%	0.6%	1.0%	n/a
Allowance Coverage	203.75x +569.7% YoY +27.7% QoQ	+179.60x	24.15x	18.30x	20.23x	98%
Net Charge-off Rate (YTD)	0.0% 0.0pp QoQ	-0.1pp	0.1%	0.1%	0.2%	50%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (WY)	National Avg	Tier Percentile
ROE	26.1% +4.2pp YoY +1.8pp QoQ	+13.9pp	12.2%	9.7%	11.6%	97%
Cost of Funds (YTD)	0.7% +0.2pp YoY 0.0pp QoQ	-1.1pp	1.7%	1.6%	1.7%	3%
Net Income ($, YTD)	$2.2M +21.3% YoY — QoQ	-$319K	$2.6M	$3.2M	$40.4M	57%

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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 (1)

Profitability Leader

growth

#155 of 661 • Top 23.3% in tier

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

Why this signature

Return on Assets: 2.19%

(Tier: 1.32%, National: 1.30%)

better than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable | QoQ rank improving

Concerns (0)

No matched concern signatures this quarter

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 2643 peers in $100M-$1B

Top Strengths (7 metrics)

238

Return on Assets

profitability

Value: 2.19%

Peer Median: 1.32%

#238 of 2643 Top 9.0% in $100M-$1B

307

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.67%

#307 of 2643 Top 11.6% in $100M-$1B

340

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.92%

#340 of 2633 Top 12.9% in $100M-$1B

483

Loan-to-Deposit Ratio

liquidity

Value: 60.86%

Peer Median: 77.95%

#483 of 2643 Top 18.2% in $100M-$1B

488

Net Interest Margin

profitability

Value: 4.55%

Peer Median: 3.99%

#488 of 2643 Top 18.4% in $100M-$1B

581

Efficiency Ratio

profitability

Value: 52.55%

Peer Median: 64.48%

#581 of 2643 Top 21.9% in $100M-$1B

594

Tier 1 Capital Ratio

capital

Value: 17.17%

Peer Median: 15.91%

#594 of 2643 Top 22.4% in $100M-$1B

Top Weaknesses (1 metrics)

2053

Total Loans

size

Value: $110.96M

Peer Median: $258.35M

#2053 of 2643 Bottom 22.4% in $100M-$1B