We are a bank holding company headquartered in Jefferson City, Missouri. As of
September 30, 2025, we had total balance sheet assets of $19.2 billion and
wealth assets under advice of $15.4 billion. Through our full-service community
banking subsidiary, The Central Trust Bank (the “Bank”), we provide a
comprehensive suite of consumer, commercial and wealth management products and
services to our communities, which are primarily located in Missouri, Kansas,
Oklahoma and Colorado. As of September 30, 2025, we operate 156 full-service
branch locations. Our consolidated weighted average deposit market share is
approximately 24%. Our ability to take market share and our successful
acquisition strategy has caused our weighted average market share to increase
steadily over time, including an increase of approximately 3.4 percentage points
since 2010. Our business model is designed to serve the holistic financial
services needs of businesses, individuals, agencies and community organizations
within our footprint. Our goal is simple: to provide legendary service to our
customers and to be an integral part in the success of our customers and the
communities we serve. Our success is driven by our long-term commitment to the
markets we serve and our culture of customer service excellence.
Our Company was founded in 1902 under the leadership of the great grandfather of
our current Executive Chairman, S. Bryan Cook. Through successive generations of
Cook family ownership, the Bank has thrived, and we have maintained consistent
profitability despite the intervening 23 U.S. economic recessions(1). During the
Great Depression, we made a loan to the State of Missouri to assist it with
making payroll and paying other expenses. From 2008 to 2012, while in the depths
of the Great Recession, we earned an annual return on average assets (“ROAA”) of
at least 1.00%. For the year ended December 31, 2024, we were the 5th most
profitable bank by ROAA relative to our peers.
(1) Number of recessions per National Bureau of Economic Research. A recession
is defined as a significant decline in economic activity that is spread
across the economy and that lasts more than a few months.
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We believe the continuity of our ownership over our 123-year history of
operating has fostered an enduring culture that has consistently proven
successful in the marketplace and will position us well for future growth. This
culture has allowed us to attract and retain great talent. Our employees are
experienced (average 8-year tenure as of September 30, 2025), engaged (81%
completed our most recent survey) and committed (86% would recommend working at
the bank and 88% would recommend our products, each based on our most recent
survey). Combined with our investments in products, services and technologies,
we believe our culture has appealed to our customers and enabled us to increase
market share. The core tenets of our culture, which we seek to quantify and hold
ourselves accountable to, require us to be:
• Customer Centric: We focus on customer satisfaction and attracting and
retaining customers for the long-term. Our latest Net Promoter Score (“NPS”)
was 71, based on our most recent customer survey, which we believe is as much
as two times the average for U.S. retail banks. We have been able to grow the
number of households we serve by an average of 3% per year since 2016, and
believe we have the ability to continue to do so at a greater rate than our
peers. Additionally, our deposit customers had an average tenure of 13 years
as of September 30, 2025, and we were named Newsweek’s Best Customer Service
Bank in 2023 (the only year this ranking was published).
• Community Aligned: We emphasize giving back to the communities we serve. We
track our community services hours, which totaled over 20,000 in 2024, or
approximately 7 hours per employee.
• Committed to the Long Term: As we have grown, our capital ratios and balance
sheet liquidity metrics have remained amongst the strongest of our peers’ as
of September 30, 2025. We continuously reinvest in our business and are
currently undertaking a banking core modernization project that is intended to
provide us with real-time, API-based capabilities. As a testament to our
success, we were ranked the #10 Best Bank by Forbes in 2025 and are one of
only two banks to have been in the Top 50 in every year since Forbes began its
rankings in 2009.
• Collaborative to Succeed: We maintain a community banking model led by
experienced leaders in each of our markets that are empowered to make local
decisions, which requires accountability and collaboration with our senior
leaders and business line managers. Our collaborative contract is embodied in
the “Central Code,” which we renew periodically.
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Our Business
Our vision is to become the leading financial services provider in each
community we serve. To accomplish this vision, we strive to offer service levels
better than other community banks and products, services and technologies
consistent with the largest banks in the industry. We capture this ambition in
our slogan, “Strong Roots, Endless Possibilities,” and manage our Company around
these dual objectives.
The “Strong Roots” portion of our slogan is representative of our 11 “Primary
Markets” and the 79 communities that we serve, as well as the executives that
lead them, many of whom are long term residents of the communities in which they
are employed. The following table lists our “Primary Markets”:
Primary Market Definition
Jefferson City Jefferson City, MO MSA
Kansas City Kansas City, MO-KS MSA; Lawrence, KS MSA
Columbia Columbia, MO MSA; Mexico, MO MSA; Moberly, MO MSA
St. Louis St. Louis, MO-IL MSA
Springfield Springfield, MO MSA
Lake of the Ozarks Camden County, MO; Miller County, MO; Morgan County MO
Branson Branson, MO MSA; Stone County, MO
Sedalia Sedalia, MO MSA
Warrensburg Warrensburg, MO MSA
Oklahoma Tulsa, OK MSA; Oklahoma City, OK MSA
Colorado Denver-Aurora-Centennial, CO MSA; Colorado Springs, CO MSA; Durango,
CO MSA
Note: MSAs as defined by the United States Office of Management and Budget
(OMB). Primary Markets do not include the Naples-Marco Island, FL MSA (our
“Naples Market”), where the Company operates one full-service branch.
We are well recognized within our markets for our relationship-based banking
model that provides for local, efficient decision-making. Our experienced
leaders are fully responsible for providing “legendary” customer service,
growing their markets and hiring the necessary talent to achieve those goals.
These leaders are empowered to make key local decisions, driving changes they
believe are necessary to ensure success in their communities in collaboration
with our senior leaders, but in exchange they are held accountable for
performance. We believe each of our designated markets is attractive and high
performing from a financial and franchise perspective.
Deposit
Total Total YTD2025 Market
Deposits Loans ROAA Deposit Share /
(as of (as of (as of Market Rank Employee
Dollars in millions 9/30/25) 9/30/25) 9/30/25)((3) 2024 ROAA Share (Retail)(4) NPS(5) Satisfaction(6)
Missouri Markets:
Jefferson City $ 3,175 $ 1,459 2.22% 1.93% 54% 39% / 1 73 89%
Kansas City 3,063 2,088 2.09% 1.95% 3% 5% / 6 69 81%
Columbia 2,508 1,609 2.35% 2.08% 36% 26% / 1 72 86%
St. Louis 1,811 1,870 1.43 / 1.82%(7) 1.85% 2% 2% / 12 74 91%
Springfield 1,558 1,318 2.21% 2.06% 9% 10% / 1 67 87%
Lake of the Ozarks 971 596 2.36% 2.10% 24% 33% / 1 75 85%
Branson 415 303 2.31% 2.01% 19% 18% / 1 65 78%
Sedalia 403 259 2.31% 2.01% 39% 38% / 1 69 91%
Warrensburg 340 195 1.85% 1.96% 27% 27% / 2 65 94%
Other Primary Markets:
Oklahoma 360 843 1.73% 1.67% 0% 0% / 36 68 81%
Colorado 168 636 0.69% 0.45% 0% 0% / 49 79 90%
Consolidated(1)(2) $ 14,789 $ 11,345 1.97% 1.63% 24% 18% 71 86%
Source: Central Bancompany and S&P Global Market Intelligence
Notes:
(1) Consolidated deposit market share represents the weighted average value of
our deposit market share across each of our Primary Markets and our Naples
Market, weighted by the volume of our deposits in those markets. All market
share data is sourced from S&P Global Market Intelligence as of June 30,
2025 (most recent publicly available information) and is estimated to give
effect to completed transactions through September 23, 2025. Deposit market
share figures for each of our Primary Markets that include multiple MSAs or
counties represent blended figures for all MSAs or counties included in the
definition of each such Primary Market.
(2) Discrepancies between consolidated deposits and loans and the sum of the 11
Primary Market areas due to deposits and loans in our non-Primary Markets.
(3) ROAA for the first nine months of 2025 is presented on an annualized basis.
(4) Represents estimated retail deposit market share based on an illustrative
$250 million per branch deposit cap (excluding from the market any deposits
at a single branch in excess of $250 million).
(5) NPS figures are based on most recent annual customer survey and weighted by
number of responses for Consumer, Commercial and Wealth lines of business
(in the case of Commercial, figure is based on responses from customers who
consider the Bank to be their primary financial services provider).
(6) Employee satisfaction figures represent share of employees who would
recommend working at the bank based on most recent annual employee survey.
(7) Represents adjusted ROAA, reflecting an adjustment for net loss on the
expected sale of the consumer lease portfolio, the effects of which are
concentrated in our St. Louis market.
To serve these communities well, we aim to deliver “Endless Possibilities,”
including best-in-class products, services and technologies delivered through
our consumer, commercial and wealth management business lines and supported by
our technology division to drive customer satisfaction and focus on innovation.
Our in-house technology division and innovation teams, together employing
approximately 65 programmers and designers, support these business lines and
their customer experience objectives. These collective investments have
positioned us well, with an average mobile app rating of 4.9/5 on iOS with
approximately 52,000 customer ratings (as of October 30, 2025), as a result of
more than 300 mobile functionalities (similar to those offered by the largest
banks in the U.S., including at least 98% of the features offered by large money
center banks, according to FinTech Insights).
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Our principal executive office is located at 238 Madison Street, Jefferson City,
MO 65101. Our telephone number is (573) 634-1111, and our website address is
https://www.centralbank.net/.