The Central Trust Bank Mortgage Rates, Fees & Info

Jefferson City, MO

LEI: 549300UF3FPC7U6RFC59

Tax ID: 43-0975002

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

Jump to:

Mortgage Data

Bank Data

Review & Overview

The Central Trust Bank is a smaller bank specializing in Home Purchase and Refi loans. The Central Trust Bank has a high proportion of conventional loans. They have an average proportion of FHA loans. They have a low ratio of USDA loans. Their top markets by origination volume include: Jefferson City, Colorado Springs, Raleigh, Durango, and Durham among others. We have data for 84 markets. (Some data included below & more in-depth data is available with an active subscription.)

The Central Trust Bank has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. The Central Trust Bank is typically a low fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

SimulatedRates™

Mortgage Type
Simulated Rate Simulation Date
Home Equity Line of Credit (HELOC) 5.99% 3/28/24
30 Year Conventional Purchase 6.71% 3/28/24
30 Year Conventional Refi 6.64% 3/28/24
30 Year Cash-out Refi 6.81% 3/28/24
30 Year FHA Purchase 7.34% 3/28/24
30 Year FHA Refi 7.31% 3/28/24
30 Year VA Purchase 5.83% 3/28/24
30 Year VA Refi 5.85% 3/28/24
30 Year USDA Purchase 6.79% 3/28/24
15 Year Conventional Purchase 6.04% 3/28/24
15 Year Conventional Refi 6.24% 3/28/24
15 Year Cash-out Refi 6.24% 3/28/24
15 Year VA Purchase 7.00% 3/28/24
15 Year VA Refi 5.68% 3/28/24
These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

The Central Trust Bank Mortgage Calculator






Your Estimates

Estimated Loan Payment: Update the calculator values and click calculate payment!

This is not an official calculator from The Central Trust Bank. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

The default purchase price is the median sales price across the US for 2022Q4, per FRED.


Originations

1,867

Origination Dollar Volume (All Markets)

$439,575,000

Employee count

683

Awards

The Central Trust Bank 30 Year Conventional Loans bronze The Central Trust Bank FHA Loans gold The Central Trust Bank USDA Loans gold The Central Trust Bank VA Loans silver
Show all (4) awards

Top Markets

Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

Market Originations Total Value Average Loan Average Fees Average Rate
JEFFERSON CITY, MO (FHA|USDA|VA) 625 $104,205,000 $166,728 $2,252 4.13%
COLORADO SPRINGS, CO (FHA|USDA|VA) 313 $95,135,000 $303,946 $4,958 4.10%
RALEIGH-CARY, NC (FHA|USDA|VA) 242 $68,010,000 $281,033 $4,698 4.06%
Outside of Metro Areas 220 $44,560,000 $202,545 $3,638 4.16%
Durango, CO (FHA|USDA|VA) 121 $41,295,000 $341,281 $4,450 4.15%
DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 60 $16,690,000 $278,167 $5,420 3.99%
COLUMBIA, MO (FHA|USDA|VA) 64 $14,060,000 $219,688 $2,554 4.22%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 32 $11,320,000 $353,750 $5,143 4.05%
KANSAS CITY, MO-KS (FHA|USDA|VA) 25 $5,045,000 $201,800 $2,425 4.53%
ST. LOUIS, MO-IL (FHA|USDA|VA) 20 $4,330,000 $216,500 $2,835 4.11%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 5 $2,605,000 $521,000 $4,942 4.10%
SPRINGFIELD, MO (FHA|USDA|VA) 13 $1,965,000 $151,154 $2,899 3.96%
GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 9 $1,475,000 $163,889 $4,576 4.32%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 8 $1,330,000 $166,250 $4,082 4.08%
GREELEY, CO (FHA|USDA|VA) 4 $1,190,000 $297,500 $7,933 4.59%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 1 $1,125,000 $1,125,000 $8,503 4.50%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 3 $1,095,000 $365,000 $4,008 3.79%
BOULDER, CO (FHA|USDA|VA) 3 $1,085,000 $361,667 $0 5.85%
PUEBLO, CO (FHA|USDA|VA) 6 $1,080,000 $180,000 $5,743 4.63%
FAYETTEVILLE, NC (FHA|USDA|VA) 7 $1,035,000 $147,857 $4,917 4.52%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 2 $1,010,000 $505,000 $4,227 4.00%
CAPE GIRARDEAU, MO-IL (FHA|USDA|VA) 2 $930,000 $465,000 $2,092 4.00%
GRAND JUNCTION, CO (FHA|USDA|VA) 2 $800,000 $400,000 $4,613 3.69%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 3 $745,000 $248,333 $4,940 3.92%
Bozeman, MT (FHA|USDA|VA) 1 $715,000 $715,000 $7,452 3.88%
LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) 4 $690,000 $172,500 $2,065 4.66%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 2 $630,000 $315,000 $4,665 4.06%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 3 $615,000 $205,000 $2,301 4.42%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 1 $555,000 $555,000 $3,389 3.50%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 1 $545,000 $545,000 $3,300 3.50%
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 1 $535,000 $535,000 $12,429 3.75%
WILMINGTON, NC (FHA|USDA|VA) 2 $520,000 $260,000 $3,348 4.44%
FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 2 $480,000 $240,000 $2,548 4.00%
Port Angeles, WA (FHA|USDA|VA) 1 $475,000 $475,000 $3,826 4.50%
Pinehurst-Southern Pines, NC (FHA|USDA|VA) 1 $475,000 $475,000 $7,463 3.75%
Cullowhee, NC (FHA|USDA|VA) 2 $470,000 $235,000 $3,921 4.88%
WINSTON-SALEM, NC (FHA|USDA|VA) 3 $415,000 $138,333 $5,110 3.83%
Rolla, MO (FHA|USDA|VA) 2 $410,000 $205,000 $2,474 4.69%
Sedalia, MO (FHA|USDA|VA) 3 $405,000 $135,000 $2,285 4.58%
Helena, MT (FHA|USDA|VA) 1 $365,000 $365,000 $5,775 5.00%
BURLINGTON-SOUTH BURLINGTON, VT (FHA|USDA|VA) 1 $355,000 $355,000 $3,600 3.63%
Steamboat Springs, CO (FHA|USDA|VA) 1 $355,000 $355,000 $2,984 3.38%
New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 1 $345,000 $345,000 $6,576 3.75%
Kill Devil Hills, NC (FHA|USDA|VA) 1 $335,000 $335,000 $3,291 4.00%
RICHMOND, VA (FHA|USDA|VA) 1 $335,000 $335,000 $5,216 3.38%
Forest City, NC (FHA|USDA|VA) 2 $320,000 $160,000 $3,218 4.13%
MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 1 $295,000 $295,000 $1,927 3.50%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 1 $285,000 $285,000 $3,829 3.88%
Branson, MO (FHA|USDA|VA) 1 $285,000 $285,000 $7,486 3.50%
Sanford, NC (FHA|USDA|VA) 1 $285,000 $285,000 $5,964 4.13%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 1 $275,000 $275,000 $4,593 3.88%
OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 1 $275,000 $275,000 $2,362 3.00%
CLEVELAND, TN (FHA|USDA|VA) 2 $270,000 $135,000 $3,690 4.94%
DECATUR, AL (FHA|USDA|VA) 1 $265,000 $265,000 $3,508 4.25%
LOUISVILLE, KY (FHA|USDA|VA) 1 $265,000 $265,000 $10,928 4.38%
JACKSONVILLE, FL (FHA|USDA|VA) 1 $255,000 $255,000 $2,524 4.13%
GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 1 $255,000 $255,000 $5,732 4.63%
CEDAR RAPIDS, IA (FHA|USDA|VA) 1 $245,000 $245,000 $2,767 3.38%
Lebanon, MO (FHA|USDA|VA) 1 $235,000 $235,000 $2,035 3.63%
HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 2 $230,000 $115,000 $4,112 5.44%
CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 1 $225,000 $225,000 $3,429 4.38%
MEDFORD, OR (FHA|USDA|VA) 1 $225,000 $225,000 $3,743 3.38%
Mexico, MO (FHA|USDA|VA) 1 $205,000 $205,000 $1,897 3.38%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 1 $205,000 $205,000 $4,384 4.63%
POCATELLO, ID (FHA|USDA|VA) 1 $185,000 $185,000 $3,527 4.63%
SAVANNAH, GA (FHA|USDA|VA) 1 $175,000 $175,000 $3,785 3.75%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 1 $175,000 $175,000 $6,807 4.13%
SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) 1 $165,000 $165,000 $4,169 3.88%
BILLINGS, MT (FHA|USDA|VA) 1 $165,000 $165,000 $5,132 3.38%
PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 1 $155,000 $155,000 $2,174 4.50%
CaƱon City, CO (FHA|USDA|VA) 1 $145,000 $145,000 $3,463 3.88%
PITTSBURGH, PA (FHA|USDA|VA) 1 $145,000 $145,000 $8,908 4.00%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 1 $125,000 $125,000 $3,576 3.75%
CHATTANOOGA, TN-GA (FHA|USDA|VA) 1 $115,000 $115,000 $4,872 4.13%
PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 1 $115,000 $115,000 $2,979 4.00%
Scottsbluff, NE (FHA|USDA|VA) 1 $115,000 $115,000 $2,860 4.50%
Sikeston, MO (FHA|USDA|VA) 1 $115,000 $115,000 $2,494 4.75%
JACKSON, TN (FHA|USDA|VA) 1 $105,000 $105,000 $3,739 4.50%
Show Low, AZ (FHA|USDA|VA) 1 $105,000 $105,000 $3,432 4.00%
HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 1 $105,000 $105,000 $3,434 4.25%
Marshalltown, IA (FHA|USDA|VA) 1 $85,000 $85,000 $2,791 3.63%
MICHIGAN CITY-LA PORTE, IN (FHA|USDA|VA) 1 $85,000 $85,000 $3,109 4.13%
Danville, VA (FHA|USDA|VA) 1 $85,000 $85,000 $3,005 4.00%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 1 $65,000 $65,000 $0 4.00%
The Central Trust Bank's top markets include Jefferson City, Colorado Springs, Raleigh, Durango, and Durham among others.

Their top states include:
  • Colorado (FHA|USDA|VA)
  • Missouri (FHA|USDA|VA)
  • North Carolina (FHA|USDA|VA)
  • Arizona (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • Similar Lenders

    We use machine learning to identify the top lenders compared against The Central Trust Bank based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

    RED CROWN
    Similarity Rank: 45
    N C P D Federal Credit Union
    Similarity Rank: 56
    Central Bank of Warrensburg
    Similarity Rank: 64
    Tulsa Federal Credit Union
    Similarity Rank: 84
    Schuyler Savings Bank
    Similarity Rank: 104
    Central Bank of Oklahoma
    Similarity Rank: 140
    Union County Savings Bank
    Similarity Rank: 150
    Prudential Bank
    Similarity Rank: 162
    DOMINION ENERGY CREDIT UNION
    Similarity Rank: 165

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 1,583 $365,485,000 $230,881 $3,099 4.15%
    VA 141 $45,355,000 $321,667 $6,665 3.84%
    FHA 105 $22,995,000 $219,000 $7,532 4.20%
    USDA 38 $5,740,000 $151,053 $4,261 4.16%

    For 2019, The Central Trust Bank's most frequently originated type of loan was Conventional, with 1,583 originations. Their 2nd most popular type was VA, with 141 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 1,280 $304,730,000 $238,070 $4,186 4.21%
    Refi 377 $95,025,000 $252,056 $2,585 3.80%
    Cash Out Refi 171 $35,135,000 $205,468 $2,834 4.08%
    Other 25 $3,515,000 $140,600 $2,279 4.42%
    Home Improvement 14 $1,170,000 $83,571 $1,250 5.35%

    For 2019, The Central Trust Bank's most frequently cited loan purpose was Home Purchase, with 1,280 originations. The 2nd most popular reason was Refi, with 377 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 1,421 $355,315,000 $250,046 $4,028 4.12%
    15 Year 196 $38,270,000 $195,255 $2,585 3.62%
    20 Year 98 $16,890,000 $172,347 $2,421 3.98%
    1 Year 53 $10,335,000 $195,000 $1,800 5.33%
    10 Year 32 $7,290,000 $227,813 $1,774 4.30%
    3 Year 24 $3,530,000 $147,083 $0 5.67%
    5 Year 24 $3,390,000 $141,250 $758 5.07%
    Other 19 $4,555,000 $239,737 $2,029 4.11%

    For 2019, The Central Trust Bank's most frequently cited loan duration was 30 Year, with 1,421 originations. The 2nd most popular length was 15 Year, with 196 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 827 $164,815,000 $199,293
    $1k-2k 667 $173,975,000 $260,832
    $2k-3k 102 $29,930,000 $293,431
    $3k-4k 69 $20,225,000 $293,116
    $4k-5k 30 $11,400,000 $380,000
    $5k+ 18 $11,950,000 $663,889

    The Central Trust Bank's average total fees were $4,028, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 827 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% 981 $245,075,000 $249,822
    4-5% 720 $163,090,000 $226,514
    5-6% 144 $26,490,000 $183,958
    2.5-3% 18 $4,730,000 $262,778
    6-7% 4 $190,000 $47,500

    During 2019, The Central Trust Bank's average interest rate for loans was 4.12%, while their most frequently originated rate bucket for loans was 3-4%, with 981 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 800 $224,310,000 $280,388 $4,184 4.05%
    $100k-200k 618 $91,160,000 $147,508 $3,016 4.11%
    $100,000 or less 243 $16,545,000 $68,086 $2,214 4.54%
    $400k-600k 184 $84,770,000 $460,707 $4,847 3.92%
    $600k-1MM 14 $9,960,000 $711,429 $5,908 4.09%
    $1MM+ 8 $12,830,000 $1,603,750 $9,756 4.61%

    2019 saw The Central Trust Bank place emphasis on $200k-400k loans with 800 originations, totaling $224,310,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 402 $81,490,000 $202,711 $4,048 4.12%
    $50k or less 351 $45,265,000 $128,960 $3,184 4.20%
    $100k-150k 338 $95,670,000 $283,047 $3,846 4.08%
    $75k-100k 331 $75,605,000 $228,414 $3,642 4.07%
    $150k-250k 211 $69,705,000 $330,355 $4,051 4.10%
    $250k+ 84 $35,560,000 $423,333 $4,255 4.10%

    The Central Trust Bank lent most frequently to those with incomes in the $50k-75k range, with 402 originations. The second most popular income band? $50k or less, with 351 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 417 $91,325,000 $219,005 $3,162 4.08%
    30-36% 326 $78,180,000 $239,816 $3,564 4.08%
    <20% 178 $38,130,000 $214,213 $2,960 4.06%
    40% 86 $18,920,000 $220,000 $3,969 4.15%
    38% 67 $16,405,000 $244,851 $4,069 4.11%
    42% 66 $17,200,000 $260,606 $4,681 4.22%
    36% 62 $12,070,000 $194,677 $3,384 4.10%
    43% 62 $14,330,000 $231,129 $4,213 4.16%
    39% 61 $14,655,000 $240,246 $3,695 4.09%
    37% 60 $13,230,000 $220,500 $3,827 4.19%
    41% 60 $16,170,000 $269,500 $3,980 4.15%
    44% 59 $14,455,000 $245,000 $4,229 4.06%
    49% 51 $13,365,000 $262,059 $4,133 4.08%
    47% 48 $10,940,000 $227,917 $3,707 4.14%
    50-60% 46 $13,750,000 $298,913 $7,310 4.13%
    46% 45 $11,425,000 $253,889 $3,713 4.03%
    48% 42 $9,580,000 $228,095 $3,495 4.14%
    45% 40 $10,500,000 $262,500 $4,130 4.18%
    >60% 12 $1,770,000 $147,500 $2,643 4.50%

    The Central Trust Bank lent most frequently to those with DTI ratios of 20-30%, with 417 originations. The next most common DTI ratio? 30-36%, with 326 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 1,600 $372,860,000 $233,038 $3,582 4.09%
    Not provided 109 $26,995,000 $247,661 $4,189 4.07%
    Black 60 $13,690,000 $228,167 $4,768 4.28%
    Not applicable 45 $10,925,000 $242,778 $0 5.41%
    Asian 30 $8,900,000 $296,667 $4,560 4.14%
    American Indian 13 $3,125,000 $240,385 $5,713 4.04%
    Asian Indian 4 $1,070,000 $267,500 $4,059 4.00%
    Other Pacific Islander 1 $585,000 $585,000 $9,644 4.88%
    Other Asian 1 $485,000 $485,000 $3,652 3.88%
    Native Hawaiian or Islander 2 $440,000 $220,000 $3,070 3.88%
    Filipino 1 $385,000 $385,000 $7,256 3.50%
    Korean 1 $115,000 $115,000 $2,064 3.88%

    Approval Rates

    Total approvals of all applications
    97.31%

    The Central Trust Bank has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.

    Pick Rate

    Approvals leading to origination
    83.82%

    The Central Trust Bank has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 1,867 $439,575,000 $235,445

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Site-Built 14 $7,170,000 $512,143
    Single Family (1-4 Units):Manufactured 39 $5,815,000 $149,103
    Single Family (1-4 Units):Site-Built 1,814 $426,590,000 $235,165

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 67 $8,025,000 $119,776 $2,500 4.18%
    40-60% 161 $35,195,000 $218,602 $2,813 3.98%
    60-80% 604 $144,410,000 $239,089 $3,069 4.12%
    80-100% 954 $229,620,000 $240,692 $4,074 4.15%
    Over 100% 33 $10,865,000 $329,242 $10,365 4.08%
    Under 20% 22 $1,390,000 $63,182 $1,421 4.87%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    The Central Trust Bank 100 State Road Ae New Bloomfield, MO 65063 Full Service B&M $9,466
    The Central Trust Bank 116-124 East Miller Street Jefferson City, MO 65101 Full Service B&M $394,943
    The Central Trust Bank 155 Northstar Drive Holts Summit, MO 65043 Full Service B&M $53,134
    The Central Trust Bank 2020 North Bluff Fulton, MO 65251 Full Service B&M $5,292
    The Central Trust Bank 2116 Nelwood Drive Columbia, MO 65202 Full Service Cyber Office $29,024
    The Central Trust Bank 238 Madison Street Jefferson City, MO 65101 Limited, Drive-thru $0
    The Central Trust Bank 238 Madison Street Jefferson City, MO 65101 Full Service B&M $888,835
    The Central Trust Bank 329 South Oak California, MO 65018 Full Service B&M $42,064
    The Central Trust Bank 401 Supercenter Dr Jefferson City, MO 65101 Full Service Retail $4,847
    The Central Trust Bank 410 Market Street Fulton, MO 65251 Full Service B&M $127,719
    The Central Trust Bank 5278 North Nevada Avenue Suite 100 Colorado Springs, CO 80918 Limited, Drive-thru $2,124
    The Central Trust Bank 724 West Stadium Boulevard Jefferson City, MO 65101 Full Service Retail $23,308
    The Central Trust Bank Highway 50 West & Country Club Drive Jefferson City, MO 65101 Full Service B&M $109,059
    The Central Trust Bank Missouri 52 Highway And High Street Tuscumbia, MO 65082 Full Service B&M $26,639
    The Central Trust Bank U.S. Highway 50 California, MO 65018 Full Service B&M $15,486

    For 2019, The Central Trust Bank had 15 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $86,942
    Net interest income $66,494
    Total noninterest income $72,490
    Gross Fiduciary activities income $0
    Service charges on deposit accounts $4,777
    Trading account gains and fees $32
    Additional Noninterest Income $67,681
    Pre-tax net operating income $43,956
    Securities gains (or losses, -) $7,834
    Income before extraordinary items $40,474
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $40,474
    Minority interest net income $0
    Net income $40,474
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $34,285

    The Central Trust Bank's gross interest income from loans was $86,942,000.
    The Central Trust Bank's net interest income from loans was $66,494,000.
    The Central Trust Bank's fee based income from loans was $4,777,000.
    The Central Trust Bank's net income from loans was $40,474,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $20,448
    Provision for credit losses $1,839
    Total noninterest expense $93,189
    Salaries and employee benefits $52,456
    Premises and equipment expense $8,468
    Additional noninterest expense $32,265
    Applicable income taxes $11,316
    Net charge-offs $863
    Cash dividends $31,000

    The Central Trust Bank's interest expense for loans was $20,448,000.
    The Central Trust Bank's payroll and benefits expense were $52,456,000.
    The Central Trust Bank's property, plant and equipment expenses $8,468,000.

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 0.0%
    Real Estate loans 0.0%
    Construction & Land Development loans 0.0%
    Nonfarm, nonresidential loans 1.0%
    Multifamily residential loans 0.0%
    1-4 family residential loans 0.0%
    HELOC loans 0.0%
    All other family 1.0%
    Commercial & industrial loans 0.0%
    Personal loans 0.0%
    Credit card loans 0.5%
    Other individual loans 0.0%
    Auto loans 0.0%
    Other consumer loans 0.0%
    Unsecured commercial real estate loans 0.0%

    Deposits

    Type Value (in 000's)
    Total deposits $1,798,382
    Deposits held in domestic offices $1,798,382
    Deposits by Individuals, partnerships, and corporations $1,452,877
    Deposits by U.S. Government $1
    Deposits by States and political subdivisions in the U.S. $339,652
    Deposits by Commercial banks and other depository institutions in U.S. $5,852
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $248,455
    Demand deposits $190,800
    Nontransaction accounts $1,549,927
    Money market deposit accounts (MMDAs) $1,202,366
    Other savings deposits (excluding MMDAs) $123,436
    Total time deposits $224,125
    Total time and savings deposits $1,607,582
    Noninterest-bearing deposits $689,425
    Interest-bearing deposits $1,108,957
    Retail deposits $1,761,545
    IRAs and Keogh plan accounts $49,562
    Brokered deposits $2,006
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $2,678,315
    Cash & Balances due from depository institutions $118,431
    Interest-bearing balances $70,209
    Total securities $1,213,550
    Federal funds sold & reverse repurchase $95,208
    Net loans and leases $1,122,703
    Loan and leases loss allowance $16,777
    Trading account assets $108
    Bank premises and fixed assets $46,371
    Other real estate owned $501
    Goodwill and other intangibles $12,840
    All other assets $68,603

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $2,678,315
    Total Liabilities $2,465,001
    Total deposits $1,798,382
    Interest-bearing deposits $1,108,957
    Deposits held in domestic offices $1,798,382
    % insured (estimated) $73
    Federal funds purchased and repurchase agreements $563,998
    Trading liabilities $0
    Other borrowed funds $86,884
    Subordinated debt $0
    All other liabilities $15,737

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $1,122,703
    Loan and leases loss allowance $16,777
    Total loans and leases (domestic) $1,139,480
    All real estate loans $672,020
    Real estate loans in domestic offices $672,020
    Construction and development loans $70,393
    Residential 1-4 family construction $23,686
    Other construction, all land development and other land $46,707
    Loans secured by nonfarm nonresidential properties $245,307
    Nonfarm nonresidential secured by owner-occupied properties $105,687
    Commercial real estate & other non-farm, non-residential $139,620
    Multifamily residential real estate $57,438
    1-4 family residential loans $269,103
    Farmland loans $29,779
    Loans held in foreign offices $0
    Farm loans $6,777
    Commercial and industrial loans $166,070
    To non-U.S. addressees $0
    Loans to individuals $202,066
    Credit card loans $12,879
    Related Plans $5,602
    Consumer Auto Loans $91,067
    Other loans to individuals $92,518
    All other loans & leases $93,305
    Loans to foreign governments and official institutions $0
    Other loans $19,662
    Loans to depository institutions and acceptances of other banks $0
    Loans not secured by real estate $6,606
    Loans secured by real estate to non-U.S. addressees $0
    Restructured Loans & leases $3,614
    Non 1-4 family restructured loans & leases $3,403
    Total loans and leases (foreign) $0

    The Central Trust Bank had $1,122,703,000 of loans outstanding in 2019. $672,020,000 of loans were in real estate loans. $70,393,000 of loans were in development loans. $57,438,000 of loans were in multifamily mortgage loans. $269,103,000 of loans were in 1-4 family mortgage loans. $6,777,000 of loans were in farm loans. $12,879,000 of loans were in credit card loans. $91,067,000 of loans were in the auto loan category.

    Small Business Loans

    Categorization # of Loans in Category $ amount of loans (in 000's) Average $/loan
    Nonfarm, nonresidential loans - <$1MM 330 $58,833 $178,282
    Nonfarm, nonresidential loans - <$100k 77 $2,688 $34,909
    Nonfarm, nonresidential loans - $100-250k 117 $13,017 $111,256
    Nonfarm, nonresidential loans - $250k-1MM 136 $43,128 $317,118
    Commercial & Industrial, US addressed loans - <$1MM 2,223 $47,060 $21,170
    Commercial & Industrial, US addressed loans - <$100k 2,057 $19,332 $9,398
    Commercial & Industrial, US addressed loans - $100-250k 77 $7,014 $91,091
    Commercial & Industrial, US addressed loans - $250k-1MM 89 $20,714 $232,742
    Farmland loans - <$1MM 270 $25,373 $93,974
    Farmland loans - <$100k 126 $5,004 $39,714
    Farmland loans - $100-250k 104 $11,148 $107,192
    Farmland loans - $250k-1MM 40 $9,221 $230,525
    Agriculture operations loans - <$1MM 394 $6,777 $17,201
    Agriculture operations loans - <$100k 385 $5,968 $15,501
    Agriculture operations loans - $100-250k 7 $569 $81,286
    Agriculture operations loans - $250k-1MM 2 $240 $120,000