BlastPoint's Banking Scorecard

Central Bank and Trust

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

Lander, WY

5 branches across WY

2664 banks in the $100M-$1B peer group nationally 17 in 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 41.6% in tier
+ Net Interest Margin 0.47% above tier average
+ Efficiency Ratio 10.64% below tier average
+ Delinquency Rate 0.88% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (WY)	National Avg	Tier Percentile
Total Assets ?	$207.0M +1.5% YoY +2.4% QoQ	-$179.1M	$386.1M +0.5% YoY	$445.8M +4.9% YoY	$6.2B +9.1% YoY	28%
Total Loans ?	$110.3M +4.1% YoY +1.5% QoQ	-$145.4M	$255.7M +1.1% YoY	$250.1M +8.7% YoY	$3.2B +10.8% YoY	23%
Total Deposits ?	$189.4M +1.1% YoY +3.3% QoQ	-$138.5M	$328.0M +0.1% YoY	$397.2M +4.6% YoY	$4.8B +8.2% YoY	32%
Return on Assets ?	2.03% +18.8% YoY +22.7% QoQ	+0.76%	1.27% +12.9% YoY	1.18% +46.8% YoY	1.23% +13.4% YoY	Top 11.8% in tier
Net Interest Margin ?	4.40% +10.5% YoY +3.6% QoQ	+0.47%	3.93% +6.0% YoY	3.82% +5.9% YoY	3.89% +5.7% YoY	78%
Efficiency Ratio ?	54.64% -7.0% YoY -12.3% QoQ	-10.64%	65.29% -4.5% YoY	71.89% -9.4% YoY	66.95% -4.1% YoY	74%
Delinquency Rate ?	0.00% -81.5% YoY +392.4% QoQ	-0.88%	0.89% +18.8% YoY	0.47% -19.3% YoY	0.95% +18.8% YoY	Top 12.7% in tier
Loan-to-Deposit Ratio ?	58.21% +2.9% YoY -1.7% QoQ	-18.42%	76.64% +0.8% YoY	68.79% +12.9% YoY	76.70% +0.9% YoY	83%
Non-Interest-Bearing Deposit Share ?	30.67% -3.7% YoY +8.7% QoQ	+8.65%	22.02% -1.0% YoY	24.89% +11.1% YoY	22.01% -1.2% YoY	84%
Nonperforming Asset Ratio ?	0.10% -10.5% YoY -0.4% QoQ	-0.54%	0.64% +19.7% YoY	0.38% +6.8% YoY	0.67% +19.3% YoY	70%
Tier 1 Capital Ratio ?	17.11% +1.9% YoY +2.1% QoQ	+1.28%	15.83% +1.5% YoY	19.62% +12.7% YoY	17.06% +0.8% YoY	77%
Non-Interest Income / Assets ?	0.07% -7.6% YoY -78.3% QoQ	-0.21%	0.28% +9.3% YoY	0.21% +17.8% YoY	0.32% +4.1% YoY	29%

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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

#278 of 666 • Top 41.6% in tier

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

Why this signature

Return on Assets: 2.03%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | 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 2664 peers in $100M-$1B

Top Strengths (6 metrics)

315

Return on Assets

profitability

Value: 2.03%

Peer Median: 1.27%

#315 of 2664 Top 11.8% in $100M-$1B

337

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.89%

#337 of 2654 Top 12.7% in $100M-$1B

439

Non-Interest-Bearing Deposit Share

funding

Value: 30.67%

Peer Median: 22.02%

#439 of 2664 Top 16.4% in $100M-$1B

447

Loan-to-Deposit Ratio

liquidity

Value: 58.21%

Peer Median: 76.64%

#447 of 2664 Top 16.7% in $100M-$1B

595

Net Interest Margin

profitability

Value: 4.40%

Peer Median: 3.93%

#595 of 2664 Top 22.3% in $100M-$1B

603

Tier 1 Capital Ratio

capital

Value: 17.11%

Peer Median: 15.83%

#603 of 2664 Top 22.6% in $100M-$1B

Top Weaknesses (1 metrics)

2057

Total Loans

size

Value: $110.28M

Peer Median: $255.72M

#2057 of 2664 Bottom 22.8% in $100M-$1B