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Central Bank And Trust
Lander, WY · FDIC Certificate #529 · Chartered 01/3
Total assets
$202.52M
Total deposits
$182.30M
Total equity
$17.21M
Net loans
$110.96M
Branches (offices)
5
Net income (YTD)
$2.24M
Rank: #2,954 of 4,213 U.S. banks by assets · #19 of 24 in Wyoming. Assets changed 2.3% and deposits 4.3% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 2.19% |
| Return on equity | 26.08% |
| Net interest margin (YTD) | 4.55% |
| Equity to assets | 8.50% |
| Tier 1 leverage ratio | 8.56% |
| Uninsured deposits (share of deposits) | 32.4% |
| Noncurrent loans (share of loans) | 0.00% |
| Net charge-offs (share of loans) | 0.02% |
| Loans to deposits | 60.9% |
| Real estate loans (share of loans) | 93.7% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $103.92M | 93.7% | |
| Commercial & industrial | $5.93M | 5.3% | |
| Consumer / individual | $1.15M | 1.0% | |
| Construction & development | $18.33M | 16.5% | |
| Agricultural | $727.00K | 0.7% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $216.82M | $201.98M | $991.00K | $14.65M |
| Jun 2023 | $223.55M | $193.04M | $1.46M | $15.20M |
| Jun 2024 | $199.54M | $183.79M | $1.25M | $15.58M |
| Jun 2025 | $197.96M | $174.83M | $1.84M | $16.46M |
| Jun 2026 | $202.52M | $182.30M | $2.24M | $17.21M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Wyoming | $182.30M | 5 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $182.30M.
Similar-sized banks
Buffalo Federal Bank ($202.58M) · Verus Bank Of Commerce ($202.36M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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