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

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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 a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) They have a low ratio of USDA loans. Their top markets by origination volume include: Jefferson City, Colorado Springs, Raleigh, Durango, and Columbia among others. We have data for 144 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

3,756

Origination Dollar Volume (All Markets)

$965,610,000

Employee count

753 Show all (9) 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) 1,205 $220,805,000 $183,241 $2,417 3.15%
COLORADO SPRINGS, CO (FHA|USDA|VA) 541 $172,965,000 $319,713 $4,579 3.14%
RALEIGH-CARY, NC (FHA|USDA|VA) 516 $153,530,000 $297,539 $3,942 3.08%
Outside of Metro Areas 409 $99,425,000 $243,093 $3,559 3.14%
Durango, CO (FHA|USDA|VA) 245 $84,945,000 $346,714 $4,110 3.09%
COLUMBIA, MO (FHA|USDA|VA) 116 $29,500,000 $254,310 $2,429 3.17%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 85 $29,475,000 $346,765 $3,816 3.25%
DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 93 $26,635,000 $286,398 $4,193 3.13%
KANSAS CITY, MO-KS (FHA|USDA|VA) 60 $14,270,000 $237,833 $2,088 3.27%
ST. LOUIS, MO-IL (FHA|USDA|VA) 48 $11,480,000 $239,167 $2,172 2.99%
Cañon City, CO (FHA|USDA|VA) 37 $9,245,000 $249,865 $4,816 3.08%
GRAND JUNCTION, CO (FHA|USDA|VA) 17 $4,975,000 $292,647 $4,874 3.17%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 16 $4,810,000 $300,625 $3,861 3.22%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 12 $4,490,000 $374,167 $4,091 2.49%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 10 $3,630,000 $363,000 $1,157 2.50%
GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 14 $3,570,000 $255,000 $4,335 3.29%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 8 $3,480,000 $435,000 $8,032 2.67%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 9 $3,425,000 $380,556 $1,612 2.53%
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 8 $3,390,000 $423,750 $2,549 2.67%
PUEBLO, CO (FHA|USDA|VA) 15 $3,185,000 $212,333 $4,752 3.10%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 9 $2,825,000 $313,889 $3,390 2.76%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 10 $2,790,000 $279,000 $4,333 3.03%
FAYETTEVILLE, NC (FHA|USDA|VA) 15 $2,415,000 $161,000 $4,865 3.01%
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 5 $2,085,000 $417,000 $1,328 2.40%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 7 $2,055,000 $293,571 $1,940 2.59%
BURLINGTON, NC (FHA|USDA|VA) 8 $2,050,000 $256,250 $4,396 3.16%
SPRINGFIELD, MO (FHA|USDA|VA) 9 $2,035,000 $226,111 $2,678 2.97%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 6 $1,990,000 $331,667 $4,820 3.33%
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 5 $1,825,000 $365,000 $2,881 3.03%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 7 $1,745,000 $249,286 $4,140 3.09%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 7 $1,725,000 $246,429 $3,345 2.63%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 4 $1,650,000 $412,500 $2,096 2.75%
DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 3 $1,535,000 $511,667 $0 3.54%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 5 $1,525,000 $305,000 $3,639 3.23%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 3 $1,425,000 $475,000 $4,233 3.21%
WILMINGTON, NC (FHA|USDA|VA) 6 $1,380,000 $230,000 $4,896 3.00%
TULSA, OK (FHA|USDA|VA) 6 $1,220,000 $203,333 $6,931 3.27%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 5 $1,145,000 $229,000 $3,090 3.25%
BOULDER, CO (FHA|USDA|VA) 2 $1,130,000 $565,000 $3,130 3.31%
New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 2 $1,090,000 $545,000 $3,985 2.19%
GREELEY, CO (FHA|USDA|VA) 3 $975,000 $325,000 $3,014 3.17%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 4 $960,000 $240,000 $2,915 3.06%
LINCOLN, NE (FHA|USDA|VA) 3 $915,000 $305,000 $1,419 2.38%
FARMINGTON, NM (FHA|USDA|VA) 4 $900,000 $225,000 $3,728 3.22%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 2 $890,000 $445,000 $2,348 2.88%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 5 $865,000 $173,000 $2,553 3.18%
Steamboat Springs, CO (FHA|USDA|VA) 1 $865,000 $865,000 $2,645 2.75%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 3 $865,000 $288,333 $1,500 2.79%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 3 $845,000 $281,667 $4,416 2.92%
PROVO-OREM, UT (FHA|USDA|VA) 3 $835,000 $278,333 $2,899 3.08%
HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 3 $815,000 $271,667 $4,384 3.08%
RICHMOND, VA (FHA|USDA|VA) 2 $800,000 $400,000 $6,101 2.69%
Pinehurst-Southern Pines, NC (FHA|USDA|VA) 5 $795,000 $159,000 $3,245 3.90%
DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) 2 $730,000 $365,000 $2,424 2.75%
ALBUQUERQUE, NM (FHA|USDA|VA) 2 $700,000 $350,000 $4,524 3.12%
Mexico, MO (FHA|USDA|VA) 5 $675,000 $135,000 $2,552 3.35%
Helena, MT (FHA|USDA|VA) 2 $660,000 $330,000 $3,615 2.81%
Sedalia, MO (FHA|USDA|VA) 3 $615,000 $205,000 $2,173 2.83%
Morehead City, NC (FHA|USDA|VA) 2 $610,000 $305,000 $3,927 2.81%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 1 $605,000 $605,000 $0 3.00%
WINSTON-SALEM, NC (FHA|USDA|VA) 3 $595,000 $198,333 $3,398 2.79%
Breckenridge, CO (FHA|USDA|VA) 1 $585,000 $585,000 $0 3.68%
Fort Morgan, CO (FHA|USDA|VA) 2 $570,000 $285,000 $4,527 2.94%
CLEVELAND, TN (FHA|USDA|VA) 4 $550,000 $137,500 $3,631 3.06%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 2 $550,000 $275,000 $2,990 3.75%
Kirksville, MO (FHA|USDA|VA) 2 $550,000 $275,000 $873 3.31%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 2 $540,000 $270,000 $1,728 2.50%
MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 1 $515,000 $515,000 $10,973 2.88%
Outside of Metro Areas 1 $515,000 $515,000 $4,001 3.13%
COLUMBIA, SC (FHA|USDA|VA) 1 $515,000 $515,000 $4,926 3.13%
PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 3 $515,000 $171,667 $3,611 3.42%
BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) 1 $505,000 $505,000 $2,153 2.88%
Boone, NC (FHA|USDA|VA) 3 $495,000 $165,000 $3,038 3.04%
LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 2 $490,000 $245,000 $2,070 2.88%
BELLINGHAM, WA (FHA|USDA|VA) 1 $475,000 $475,000 $1,207 2.38%
FORT COLLINS, CO (FHA|USDA|VA) 1 $465,000 $465,000 $3,235 3.13%
Salina, KS (FHA|USDA|VA) 2 $460,000 $230,000 $1,557 2.31%
OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 1 $455,000 $455,000 $4,783 3.38%
GAINESVILLE, GA (FHA|USDA|VA) 1 $455,000 $455,000 $1,215 2.25%
Rolla, MO (FHA|USDA|VA) 3 $435,000 $145,000 $2,715 3.25%
LOUISVILLE, KY (FHA|USDA|VA) 1 $435,000 $435,000 $2,873 2.38%
BLOOMINGTON, IN (FHA|USDA|VA) 1 $425,000 $425,000 $1,068 2.25%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 1 $425,000 $425,000 $1,386 2.38%
Fort Leonard Wood, MO (FHA|USDA|VA) 2 $420,000 $210,000 $2,475 2.56%
Georgetown, SC (FHA|USDA|VA) 1 $415,000 $415,000 $3,597 3.00%
Edwards, CO (FHA|USDA|VA) 1 $415,000 $415,000 $5,266 3.25%
Montrose, CO (FHA|USDA|VA) 2 $410,000 $205,000 $2,647 3.50%
COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) 1 $395,000 $395,000 $3,136 3.25%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 1 $395,000 $395,000 $1,851 2.38%
JOHNSON CITY, TN (FHA|USDA|VA) 1 $385,000 $385,000 $3,969 2.88%
FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 2 $380,000 $190,000 $3,225 3.00%
PORT ST. LUCIE, FL (FHA|USDA|VA) 1 $375,000 $375,000 $3,750 2.38%
Henderson, NC (FHA|USDA|VA) 2 $370,000 $185,000 $6,637 3.13%
Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 1 $365,000 $365,000 $4,990 2.75%
BURLINGTON-SOUTH BURLINGTON, VT (FHA|USDA|VA) 1 $355,000 $355,000 $2,072 2.88%
Branson, MO (FHA|USDA|VA) 2 $330,000 $165,000 $2,889 3.00%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 1 $325,000 $325,000 $5,807 2.88%
YUMA, AZ (FHA|USDA|VA) 1 $325,000 $325,000 $3,898 2.88%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 1 $315,000 $315,000 $3,794 2.88%
HUNTSVILLE, AL (FHA|USDA|VA) 1 $315,000 $315,000 $3,140 2.75%
JACKSONVILLE, FL (FHA|USDA|VA) 1 $305,000 $305,000 $4,019 2.50%
Sanford, NC (FHA|USDA|VA) 2 $300,000 $150,000 $3,204 3.38%
CHEYENNE, WY (FHA|USDA|VA) 1 $295,000 $295,000 $4,301 3.00%
KNOXVILLE, TN (FHA|USDA|VA) 1 $285,000 $285,000 $1,065 2.75%
SAVANNAH, GA (FHA|USDA|VA) 1 $285,000 $285,000 $4,611 2.38%
DULUTH, MN-WI (FHA|USDA|VA) 1 $285,000 $285,000 $8,647 2.75%
Lebanon, MO (FHA|USDA|VA) 2 $280,000 $140,000 $2,202 3.50%
JONESBORO, AR (FHA|USDA|VA) 1 $275,000 $275,000 $1,375 2.63%
TUCSON, AZ (FHA|USDA|VA) 1 $275,000 $275,000 $0 3.50%
ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) 1 $275,000 $275,000 $1,217 2.25%
Cullowhee, NC (FHA|USDA|VA) 1 $265,000 $265,000 $4,069 3.13%
SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) 1 $255,000 $255,000 $3,406 3.38%
Grants, NM (FHA|USDA|VA) 1 $255,000 $255,000 $3,156 2.99%
GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 1 $255,000 $255,000 $3,322 2.75%
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 1 $255,000 $255,000 $0 3.63%
Brevard, NC (FHA|USDA|VA) 1 $255,000 $255,000 $2,412 2.88%
CLARKSVILLE, TN-KY (FHA|USDA|VA) 2 $250,000 $125,000 $4,647 3.06%
CORVALLIS, OR (FHA|USDA|VA) 1 $235,000 $235,000 $3,597 3.13%
MICHIGAN CITY-LA PORTE, IN (FHA|USDA|VA) 1 $225,000 $225,000 $2,964 2.88%
Marion, NC (FHA|USDA|VA) 1 $225,000 $225,000 $3,286 2.75%
SPARTANBURG, SC (FHA|USDA|VA) 1 $215,000 $215,000 $3,460 2.75%
Española, NM (FHA|USDA|VA) 1 $205,000 $205,000 $2,872 3.00%
Richmond, IN (FHA|USDA|VA) 1 $205,000 $205,000 $8,595 3.63%
Ottawa, KS (FHA|USDA|VA) 1 $195,000 $195,000 $2,345 2.88%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 1 $185,000 $185,000 $2,601 2.50%
WICHITA FALLS, TX (FHA|USDA|VA) 1 $185,000 $185,000 $5,856 2.63%
GOLDSBORO, NC (FHA|USDA|VA) 1 $185,000 $185,000 $2,928 2.75%
Craig, CO (FHA|USDA|VA) 1 $185,000 $185,000 $8,152 3.00%
JACKSONVILLE, NC (FHA|USDA|VA) 1 $165,000 $165,000 $4,956 2.63%
Mount Sterling, KY (FHA|USDA|VA) 1 $165,000 $165,000 $3,379 2.63%
DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) 1 $165,000 $165,000 $2,623 2.88%
Moberly, MO (FHA|USDA|VA) 1 $165,000 $165,000 $3,061 2.88%
Glenwood Springs, CO (FHA|USDA|VA) 1 $155,000 $155,000 $2,991 3.13%
West Plains, MO (FHA|USDA|VA) 1 $155,000 $155,000 $3,478 2.38%
WORCESTER, MA-CT (FHA|USDA|VA) 1 $155,000 $155,000 $3,291 2.88%
NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 1 $135,000 $135,000 $3,228 3.00%
Danville, VA (FHA|USDA|VA) 1 $135,000 $135,000 $3,120 2.99%
KILLEEN-TEMPLE, TX (FHA|USDA|VA) 1 $135,000 $135,000 $3,622 2.99%
Jackson, WY-ID (FHA|USDA|VA) 1 $125,000 $125,000 $3,458 3.13%
Sevierville, TN (FHA|USDA|VA) 1 $115,000 $115,000 $3,148 3.25%
ST. GEORGE, UT (FHA|USDA|VA) 1 $105,000 $105,000 $0 3.88%
OKLAHOMA CITY, OK (FHA|USDA|VA) 2 $90,000 $45,000 $0 3.88%
Newberry, SC (FHA|USDA|VA) 1 $85,000 $85,000 $3,863 3.25%
CAPE GIRARDEAU, MO-IL (FHA|USDA|VA) 1 $65,000 $65,000 $0 4.25%
The Central Trust Bank's top markets include Jefferson City, Colorado Springs, Raleigh, Durango, and Columbia among others.

Their top states include:
  • Colorado (FHA|USDA|VA)
  • Missouri (FHA|USDA|VA)
  • North Carolina (FHA|USDA|VA)
  • California (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 3,330 $844,250,000 $253,529 $2,900 3.13%
    VA 208 $73,790,000 $354,760 $6,820 2.87%
    FHA 140 $33,820,000 $241,571 $8,582 3.17%
    USDA 78 $13,750,000 $176,282 $4,707 3.13%

    For 2020, The Central Trust Bank's most frequently originated type of loan was Conventional, with 3,330 originations. Their 2nd most popular type was VA, with 208 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 1,661 $434,655,000 $261,683 $4,407 3.21%
    Refi 1,580 $395,700,000 $250,443 $2,523 2.97%
    Cash Out Refi 473 $126,345,000 $267,114 $3,015 3.22%
    Other 28 $4,610,000 $164,643 $2,374 3.79%
    Home Improvement 14 $4,300,000 $307,143 $3,411 3.94%

    For 2020, The Central Trust Bank's most frequently cited loan purpose was Home Purchase, with 1,661 originations. The 2nd most popular reason was Refi, with 1,580 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 2,689 $743,865,000 $276,633 $3,786 3.13%
    15 Year 555 $117,475,000 $211,667 $2,420 2.80%
    20 Year 257 $55,445,000 $215,739 $2,478 3.08%
    10 Year 79 $12,615,000 $159,684 $2,169 3.00%
    Other 68 $14,740,000 $216,765 $2,236 3.26%
    1 Year 50 $9,660,000 $193,200 $1,273 4.65%
    3 Year 31 $5,295,000 $170,806 $1,675 4.25%
    5 Year 27 $6,515,000 $241,296 $0 4.08%

    For 2020, The Central Trust Bank's most frequently cited loan duration was 30 Year, with 2,689 originations. The 2nd most popular length was 15 Year, with 555 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $1k-2k 2,769 $709,715,000 $256,307
    $<1k 431 $109,785,000 $254,722
    $2k-3k 129 $37,755,000 $292,674
    $3k-4k 86 $26,050,000 $302,907
    $4k-5k 49 $16,815,000 $343,163
    $5k+ 22 $11,040,000 $501,818

    The Central Trust Bank's average total fees were $3,786, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 2,769 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    2.5-3% 1,755 $459,655,000 $261,912
    3-4% 1,507 $381,195,000 $252,950
    <2.5% 306 $91,410,000 $298,725
    4-5% 178 $32,230,000 $181,067
    5-6% 10 $1,120,000 $112,000

    During 2020, The Central Trust Bank's average interest rate for loans was 3.13%, while their most frequently originated rate bucket for loans was 2.5-3%, with 1,755 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 1,795 $513,375,000 $286,003 $3,688 3.06%
    $100k-200k 1,149 $171,375,000 $149,151 $2,741 3.13%
    $400k-600k 488 $229,940,000 $471,189 $4,170 3.03%
    $100,000 or less 286 $20,370,000 $71,224 $2,289 3.55%
    $600k-1MM 32 $22,460,000 $701,875 $5,361 3.25%
    $1MM+ 6 $8,090,000 $1,348,333 $7,851 3.46%

    2020 saw The Central Trust Bank place emphasis on $200k-400k loans with 1,795 originations, totaling $513,375,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 807 $236,925,000 $293,587 $3,464 3.09%
    $50k-75k 773 $166,115,000 $214,897 $3,661 3.12%
    $75k-100k 686 $170,460,000 $248,484 $3,554 3.13%
    $50k or less 498 $71,590,000 $143,755 $3,154 3.17%
    $150k-250k 465 $160,865,000 $345,946 $3,395 3.04%
    $250k+ 163 $63,505,000 $389,601 $3,513 3.11%

    The Central Trust Bank lent most frequently to those with incomes in the $100k-150k range, with 807 originations. The second most popular income band? $50k-75k, with 773 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 929 $226,735,000 $244,064 $2,937 3.05%
    30-36% 662 $172,780,000 $260,997 $3,323 3.08%
    <20% 380 $89,110,000 $234,500 $2,570 3.05%
    44% 139 $37,355,000 $268,741 $3,717 3.15%
    37% 135 $37,885,000 $280,630 $4,045 3.17%
    42% 134 $35,660,000 $266,119 $4,068 3.20%
    41% 122 $29,840,000 $244,590 $3,515 3.28%
    39% 119 $32,605,000 $273,992 $4,007 3.12%
    40% 112 $28,950,000 $258,482 $3,492 3.18%
    43% 106 $25,490,000 $240,472 $3,661 3.18%
    36% 105 $26,715,000 $254,429 $3,465 3.14%
    38% 103 $28,535,000 $277,039 $3,769 3.21%
    45% 85 $21,185,000 $249,235 $4,107 3.07%
    48% 84 $21,360,000 $254,286 $4,359 3.21%
    46% 83 $22,325,000 $268,976 $4,165 3.13%
    49% 79 $21,135,000 $267,532 $4,061 3.21%
    47% 65 $16,705,000 $257,000 $3,762 3.14%
    50-60% 54 $15,860,000 $293,704 $7,770 3.10%
    >60% 9 $2,045,000 $227,222 $2,220 3.43%

    The Central Trust Bank lent most frequently to those with DTI ratios of 20-30%, with 929 originations. The next most common DTI ratio? 30-36%, with 662 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 3,176 $808,990,000 $254,720 $3,362 3.10%
    Not provided 283 $78,795,000 $278,428 $3,580 3.07%
    Asian 90 $27,710,000 $307,889 $3,341 2.98%
    Black 83 $20,145,000 $242,711 $4,237 3.23%
    Not applicable 65 $13,735,000 $211,308 $0 4.18%
    American Indian 33 $7,785,000 $235,909 $3,686 3.12%
    Asian Indian 18 $5,740,000 $318,889 $3,300 2.82%
    Chinese 3 $1,235,000 $411,667 $1,268 3.12%
    Native Hawaiian or Islander 2 $700,000 $350,000 $6,848 2.75%
    Other Asian 1 $395,000 $395,000 $3,004 2.88%
    Korean 1 $225,000 $225,000 $3,000 2.88%
    Japanese 1 $155,000 $155,000 $5,734 2.75%

    Approval Rates

    Total approvals of all applications
    98.05%

    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
    87.43%

    The Central Trust Bank has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 3,756 $965,610,000 $257,085

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Site-Built 12 $5,750,000 $479,167
    Single Family (1-4 Units):Manufactured 53 $9,005,000 $169,906
    Single Family (1-4 Units):Site-Built 3,691 $950,855,000 $257,614

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 134 $22,640,000 $168,955 $2,678 3.14%
    40-60% 551 $130,385,000 $236,633 $2,662 2.98%
    60-80% 1,523 $401,115,000 $263,372 $2,790 3.14%
    80-100% 1,435 $376,435,000 $262,324 $4,047 3.14%
    Over 100% 46 $16,780,000 $364,783 $12,850 3.08%
    Under 20% 24 $2,520,000 $105,000 $1,710 3.91%

    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 $12,272
    The Central Trust Bank 116-124 East Miller Street Jefferson City, MO 65101 Full Service B&M $613,227
    The Central Trust Bank 1211 Main Avenue Durango, CO 81301 Full Service B&M $0
    The Central Trust Bank 155 Northstar Drive Holts Summit, MO 65043 Full Service B&M $59,932
    The Central Trust Bank 2020 North Bluff Fulton, MO 65251 Full Service B&M $4,305
    The Central Trust Bank 2116 Nelwood Drive Columbia, MO 65202 Full Service Cyber Office $28,786
    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 $1,158,033
    The Central Trust Bank 329 South Oak California, MO 65018 Full Service B&M $45,357
    The Central Trust Bank 3533 Country Club Dr Jefferson City, MO 65109 Full Service B&M $0
    The Central Trust Bank 401 Supercenter Dr Jefferson City, MO 65101 Full Service Retail $5,758
    The Central Trust Bank 410 Market Street Fulton, MO 65251 Full Service B&M $124,939
    The Central Trust Bank 5278 North Nevada Avenue Suite 100 Colorado Springs, CO 80918 Limited, Drive-thru $5,995
    The Central Trust Bank 724 West Stadium Boulevard Jefferson City, MO 65101 Full Service Retail $26,819
    The Central Trust Bank 8000 E. Belleview Avenue Greenwood Village, CO 80111 Full Service B&M $0
    The Central Trust Bank Highway 50 West & Country Club Drive Jefferson City, MO 65101 Full Service B&M $143,694
    The Central Trust Bank Missouri 52 Highway And High Street Tuscumbia, MO 65082 Full Service B&M $29,311
    The Central Trust Bank U.S. Highway 50 California, MO 65018 Full Service B&M $18,463

    For 2020, The Central Trust Bank had 18 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $78,117
    Net interest income $69,824
    Total noninterest income $107,631
    Gross Fiduciary activities income $0
    Service charges on deposit accounts $4,838
    Trading account gains and fees $29
    Additional Noninterest Income $102,764
    Pre-tax net operating income $63,606
    Securities gains (or losses, -) $-725
    Income before extraordinary items $48,844
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $48,844
    Minority interest net income $0
    Net income $48,844
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $49,416

    The Central Trust Bank's gross interest income from loans was $78,117,000.
    The Central Trust Bank's net interest income from loans was $69,824,000.
    The Central Trust Bank's fee based income from loans was $4,838,000.
    The Central Trust Bank's net income from loans was $48,844,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $8,293
    Provision for credit losses $3,746
    Total noninterest expense $110,103
    Salaries and employee benefits $63,146
    Premises and equipment expense $8,288
    Additional noninterest expense $38,669
    Applicable income taxes $14,037
    Net charge-offs $1,515
    Cash dividends $7,500

    The Central Trust Bank's interest expense for loans was $8,293,000.
    The Central Trust Bank's payroll and benefits expense were $63,146,000.
    The Central Trust Bank's property, plant and equipment expenses $8,288,000.

    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 0.0%
    Multifamily residential loans 0.0%
    1-4 family residential loans 0.0%
    HELOC loans 0.0%
    All other family 0.0%
    Commercial & industrial loans 0.0%
    Personal loans 0.0%
    Credit card loans 0.6%
    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 $2,391,427
    Deposits held in domestic offices $2,391,427
    Deposits by Individuals, partnerships, and corporations $1,811,554
    Deposits by U.S. Government $1
    Deposits by States and political subdivisions in the U.S. $575,095
    Deposits by Commercial banks and other depository institutions in U.S. $4,777
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $352,096
    Demand deposits $269,437
    Nontransaction accounts $2,039,331
    Money market deposit accounts (MMDAs) $1,668,428
    Other savings deposits (excluding MMDAs) $161,709
    Total time deposits $209,194
    Total time and savings deposits $2,121,990
    Noninterest-bearing deposits $966,116
    Interest-bearing deposits $1,425,311
    Retail deposits $2,358,237
    IRAs and Keogh plan accounts $48,831
    Brokered deposits $4,694
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $3,486,124
    Cash & Balances due from depository institutions $301,727
    Interest-bearing balances $221,374
    Total securities $1,772,018
    Federal funds sold & reverse repurchase $0
    Net loans and leases $1,276,682
    Loan and leases loss allowance $19,008
    Trading account assets $216
    Bank premises and fixed assets $43,319
    Other real estate owned $108
    Goodwill and other intangibles $15,576
    All other assets $76,478

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $3,486,124
    Total Liabilities $3,223,413
    Total deposits $2,391,427
    Interest-bearing deposits $1,425,311
    Deposits held in domestic offices $2,391,427
    % insured (estimated) $71
    Federal funds purchased and repurchase agreements $727,473
    Trading liabilities $0
    Other borrowed funds $84,000
    Subordinated debt $0
    All other liabilities $20,513

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $1,276,682
    Loan and leases loss allowance $19,008
    Total loans and leases (domestic) $1,295,690
    All real estate loans $742,946
    Real estate loans in domestic offices $742,946
    Construction and development loans $58,652
    Residential 1-4 family construction $24,997
    Other construction, all land development and other land $33,655
    Loans secured by nonfarm nonresidential properties $282,797
    Nonfarm nonresidential secured by owner-occupied properties $106,907
    Commercial real estate & other non-farm, non-residential $175,890
    Multifamily residential real estate $57,145
    1-4 family residential loans $314,271
    Farmland loans $30,081
    Loans held in foreign offices $0
    Farm loans $6,539
    Commercial and industrial loans $242,774
    To non-U.S. addressees $0
    Loans to individuals $198,498
    Credit card loans $10,153
    Related Plans $4,073
    Consumer Auto Loans $81,117
    Other loans to individuals $103,155
    All other loans & leases $108,082
    Loans to foreign governments and official institutions $0
    Other loans $40,152
    Loans to depository institutions and acceptances of other banks $0
    Loans not secured by real estate $8,742
    Loans secured by real estate to non-U.S. addressees $0
    Restructured Loans & leases $843
    Non 1-4 family restructured loans & leases $311
    Total loans and leases (foreign) $0

    The Central Trust Bank had $1,276,682,000 of loans outstanding in 2020. $742,946,000 of loans were in real estate loans. $58,652,000 of loans were in development loans. $57,145,000 of loans were in multifamily mortgage loans. $314,271,000 of loans were in 1-4 family mortgage loans. $6,539,000 of loans were in farm loans. $10,153,000 of loans were in credit card loans. $81,117,000 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 301 $56,652 $188,213
    Nonfarm, nonresidential loans - <$100k 64 $2,279 $35,609
    Nonfarm, nonresidential loans - $100-250k 108 $11,489 $106,380
    Nonfarm, nonresidential loans - $250k-1MM 129 $42,884 $332,434
    Commercial & Industrial, US addressed loans - <$1MM 6,975 $81,438 $11,676
    Commercial & Industrial, US addressed loans - <$100k 6,724 $30,127 $4,481
    Commercial & Industrial, US addressed loans - $100-250k 134 $16,705 $124,664
    Commercial & Industrial, US addressed loans - $250k-1MM 117 $34,606 $295,778
    Farmland loans - <$1MM 249 $24,289 $97,546
    Farmland loans - <$100k 117 $4,439 $37,940
    Farmland loans - $100-250k 91 $10,076 $110,725
    Farmland loans - $250k-1MM 41 $9,774 $238,390
    Agriculture operations loans - <$1MM 355 $6,539 $18,420
    Agriculture operations loans - <$100k 345 $5,387 $15,614
    Agriculture operations loans - $100-250k 7 $492 $70,286
    Agriculture operations loans - $250k-1MM 3 $660 $220,000