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The Central Trust Bank

The Central Trust Bank is an FDIC insured institution headquartered at 238 Madison St, Jefferson City, MO 65101.
It was founded in 1902 and has approximately $21 billion in assets. Customers can open an account at one of its 14 branches.

Deposit Rates - August 21, 2026

SAVINGS RATES	APY	MIN
	0.05%	$1,000	Compare

CD RATES	APY	MIN
6 Mo CD	0.15%	$1,000	Compare
6 Mo CD	0.20%	$100,000	Compare
12 Mo CD	0.20%	$1,000	Compare
12 Mo CD	0.25%	$100,000	Compare
18 Mo CD	0.20%	$1,000	Compare
18 Mo CD	0.25%	$100,000	Compare
24 Mo CD	0.25%	$1,000	Compare
24 Mo CD	0.35%	$100,000	Compare
30 Mo CD	0.25%	$1,000	Compare
30 Mo CD	0.35%	$100,000	Compare
36 Mo CD	0.35%	$1,000	Compare
36 Mo CD	0.45%	$100,000	Compare
48 Mo CD	0.50%	$1,000	Compare
48 Mo CD	0.55%	$100,000	Compare
60 Mo CD	0.55%	$1,000	Compare
60 Mo CD	0.60%	$100,000	Compare

MM RATES	APY	MIN
Money Market	0.05%	$1,000	Compare
Money Market	0.10%	$10,000	Compare
Money Market	0.10%	$25,000	Compare

VARIABLE IRA RATES	APY	MIN
Var IRA	0.50%	$1
Special: VIRA	0.50%	$1

INT CHECKING RATES	APY	MIN
	0.05%	$1
	0.05%	$1,000

Overview 2026

General Bank Information

FDIC Insured	Yes
FDIC Certificate	# 12633
Date Established	1902
Assets	$ 20.80 billion
Loans	$ 11.34 billion
Deposits	$ 16.77 billion
Capital	$ 1,874.33 million

Summary Balance Sheet as of December 31, 2025

ASSETS
Cash & Balances due from depository institutions	$ 2.06 billion
Interest-bearing balances	$ 1,806.25 million
Total securities	$ 6.37 billion
Federal funds sold and reverse repurchase	$ 0.34 million
Net loans and leases	$ 11.34 billion
Loan loss allowance	$ 149.67 million
Trading account assets	N.A.
Bank premises and fixed assets	N.A.
Other real estate owned	$ 4.35 million
Goodwill and other intangibles	$ 381.06 million
All other assets	$ 292.09 million
Total Assets	$ 18.93 billion

LIABILITIES
Total deposits	$ 16.77 billion
Interest-bearing deposits	$ 11.12 billion
Deposits held in domestic offices	$ 16.77 billion
% insured (estimated)"	58.81%
Federal funds purchased and repurchase agreements	$ 1,011.85 million
Trading liabilities	N.A.
Other borrowed funds	$ 660.00 million
Subordinated debt	N.A.
All other liabilities	$ 123.66 millionn
Total Liabilities	$ 18.93 billion
Shareholders’ Equity	$ 1,874.33 million

Summary Income Statement as of December 31, 2025

INCOME AND EXPENSES
Total Interest Income	$ 988.85 million
Total Interest Expense	$ 256.02 million
Net interest income	$ 732.83 million
Provision for loan and lease losses	$ 9.31 million
Total non interest income	$ 231.30 million
Total non interest expense	$ 485.76 million
Pre-tax Net Operating Income	$ 158.52 million

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