TellerScore

Headquartered in Lander, Wyoming, Central Bank and Trust is a state-chartered bank with $202.5M in total assets and $182.3M in deposits as of Q2 2026. It operates 5 offices. Its charter dates back to 1890.

Based on its Q2 2026 filing, Central Bank and Trust scores 78/100, which we describe as strong. That is higher than 72% of 2,650 banks with $100 million – $1 billion. Among 24 banks headquartered in Wyoming, it ranks 8th. Its strongest component is loan quality (100/100; 0.00%), and its lowest is capital cushion (36/100; 8.56%).

TellerScore · Q2 2026

Scorecard

Capital cushion36/100
Tier 1 leverage ratio: 8.56%
Loan quality100/100
Noncurrent loans ÷ total loans: 0.00%
Earnings100/100
Return on assets (annualized): 2.19%
Funding & liquidity80/100
Loans ÷ deposits and uninsured-deposit share: 60.9% · 32.4% uninsured
Problem-loan coverage100/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.02%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 3 points (75 → 78), mostly because the earnings component improved by 7 points.

TellerScore
687378Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202468
Q3 202469
Q4 202477
Q1 202573
Q2 202575
Q3 202576
Q4 202574
Q1 202677
Q2 202678
Tier 1 leverage ratio
5.00%7.01%9.01%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20248.08%
Q3 20248.30%
Q4 20249.01%
Q1 20258.14%
Q2 20258.31%
Q3 20258.63%
Q4 20258.41%
Q1 20268.64%
Q2 20268.56%
Noncurrent loans
0.00%0.10%0.21%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.20%
Q3 20240.20%
Q4 20240.21%
Q1 20250.02%
Q2 20250.02%
Q3 20250.02%
Q4 20250.00%
Q1 20260.00%
Q2 20260.00%
Return on assets
1.23%1.71%2.19%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.23%
Q3 20241.27%
Q4 20242.00%
Q1 20251.71%
Q2 20251.81%
Q3 20251.79%
Q4 20251.65%
Q1 20262.03%
Q2 20262.19%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202678$202.5M8.56%0.00%2.19%60.9%
Q1 202677$207.0M8.64%0.00%2.03%58.2%
Q4 202574$202.1M8.41%0.00%1.65%59.2%
Q3 202576$192.8M8.63%0.02%1.79%61.6%
Q2 202575$198.0M8.31%0.02%1.81%61.5%
Q1 202573$204.0M8.14%0.02%1.71%56.6%
Q4 202477$207.8M9.01%0.21%2.00%57.9%
Q3 202469$199.7M8.30%0.20%1.27%61.4%
Q2 202468$199.5M8.08%0.20%1.23%62.0%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio8.56%
7th
Total risk-based capital17.97%
81st
Problem loans0.00%
87th
Net charge-offs0.02%
42nd
Return on assets2.19%
91st
Net interest margin4.55%
82nd
Efficiency ratio52.6%
78th
Loans to deposits60.9%
82nd
Uninsured deposits32.4%
22nd
Loan-loss reserves0.73%
8th
Texas ratio0.0%
88th

Similar-size banks in Wyoming

InstitutionScoreAssetsCapitalProblem loansCompare
Buffalo Federal BankBank Buffalo, WY70 out of 100, Strong$202.6M10.4%0.67%vs
Bank of CommerceBank Rawlins, WY80 out of 100, Strong$216.3M11.3%0.02%vs
Tanager BankBank Jackson, WY74 out of 100, Strong$222.3M14.8%0.59%vs
Wyoming Community BankBank Riverton, WY75 out of 100, Strong$262.4M9.5%0.31%vs
State BankBank Green River, WY67 out of 100, Moderate$115.4M9.5%0.34%vs
Sundance State BankBank Sundance, WY80 out of 100, Strong$290.9M11.9%0.56%vs

Deposit insurance

Is my money safe at Central Bank and Trust?

Yes. Central Bank and Trust is an FDIC-insured institution (FDIC certificate #529). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 32.4% of deposits ($59.1M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 8.56%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 17.97% (benchmark: 10%).

Check how much of your own balance is covered

5 locations

Branches

Central Bank and Trust lists 5 offices in 5 cities. Most locations:

  • Cheyenne, WY (1)
  • Fort Washakie, WY (1)
  • Lander, WY (1)
  • Riverton, WY (1)
  • Thermopolis, WY (1)

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Central Bank and Trust reported 67 home-loan applications under HMDA (LEI 549300RSNTKNOA7GNI77): 60 originated ($17,500,000 total), 2 denied, and 5 withdrawn or closed by the applicant. Its denial rate on decided applications was 3.2%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Central Bank and Trust
Former names
Lander State Bank
Type
State-chartered bank
FDIC certificate #
529
RSSD ID
903950
Primary regulator
FDIC
Holding company
Central Trust Co
Established
January 31, 1890
Headquarters
285 Main St, Lander, WY 82520
Employees
40

Quick answers

Central Bank and Trust: common questions

Is Central Bank and Trust FDIC insured?

Yes. Central Bank and Trust is an FDIC-insured institution (FDIC certificate #529). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Central Bank and Trust's TellerScore?

78 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Central Bank and Trust ever failed?

There is no failure record for FDIC certificate #529 in the FDIC failed bank list.

How many branches does Central Bank and Trust have?

5 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Lander

InstitutionScoreAssetsCapitalProblem loansCompare
Grand Altitude Federal Credit UnionCredit union Lander, WY85 out of 100, Very strong$222.3M13.8%0.23%vs
Wyoming Community BankBank Riverton, WY75 out of 100, Strong$262.4M9.5%0.31%vs
Meridian Trust Federal Credit UnionCredit union Cheyenne, WY74 out of 100, Strong$730.5M12.9%0.82%vs
First Interstate BankBank Billings, MT62 out of 100, Moderate$25.8B9.4%1.12%vs
BMO Bank National AssociationBank Chicago, IL58 out of 100, Moderate$255.0B11.3%0.92%vs
Wells Fargo Bank, National AssociationBank Sioux Falls, SD58 out of 100, Moderate$1.9T8.0%1.04%vs