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.

The score has been essentially flat from Q2 2025 to Q2 2026 (70 → 69).

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

Similar-size banks in Missouri

Yes. The Central Trust Bank is an FDIC-insured institution (FDIC certificate #12633). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 38.4% of deposits ($6.3B) are above the $250,000 FDIC insurance limit, close to the peer median of 38%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 7.94%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 13.89% (benchmark: 10%).

Check how much of your own balance is covered

The Central Trust Bank lists 150 offices in 90 cities across 6 states. Most locations:

• Springfield, MO (10)
• Columbia, MO (9)
• Jefferson City, MO (9)
• Kansas City, MO (9)
• Lawrence, KS (5)
• Overland Park, KS (5)
• Tulsa, OK (4)
• Lees Summit, MO (3)
• Saint Louis, MO (3)
• Blue Springs, MO (2)
• Boonville, MO (2)
• Branson, MO (2)

All branch addresses and map

Over the last three years, the CFPB forwarded 97 consumer complaints about CENTRAL BANCOMPANY, INC to the company (41 in the last 12 months). 100.0% received a timely response. That is 5.9 complaints per $1 billion of deposits, versus a median of 8.5 among institutions with complaint data.

Complaint counts reflect volume, not validity: the CFPB does not verify complaints, and large institutions receive more because they serve more customers. Complaints are filed under the parent company name, which may cover affiliates.

Complaint breakdown by product and issue

In 2025, The Central Trust Bank reported 10,685 home-loan applications under HMDA (LEI 549300UF3FPC7U6RFC59): 7,285 originated ($2,094,645,000 total), 853 denied, and 2,457 withdrawn or closed by the applicant. Its denial rate on decided applications was 10.4%, 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.

Legal name

The Central Trust Bank

Former names

Central Missouri Trust Company

Type

State-chartered bank (Fed member)

FDIC certificate #

12633

RSSD ID

853952

Primary regulator

FED

Holding company

Central Bancompany Inc

Established

February 3, 1902

Headquarters

238 Madison St, Jefferson City, MO 65101

Website

www.centralbank.net

Employees

2,971