HMDA records
10,858
2025
Public institution profile · Bank · Not a recommendation
The Central Trust Bank
BankJefferson City, MOActive
FDIC certificate 12633
Data observedAugust 5, 2026Section records may have different source dates.
- Public-source data
- Source-linked records
- No paid lender rankings
- See methodology
- Correct the record
Identifiers, verification, and corrections
Stable identifiers
Publication-authorized verified identifiers only. Missing applicable identifiers are shown as unpublished verified matches, not as a finding that no record exists.
- FDIC certificate
- 12633
- company ID
- Not published — no verified match
More identifiers
- Federal Reserve
- 853952
- OCC charter number
- Not published — no verified match
- Not published — no verified match
- Official website
- https://www.centralbank.net
Verify at FDICVerify at FFIEC NIC / regulator
Identity verified through FDIC; additional sources pendingVerification describes the U.S. Mortgage Index public-source matching process. It is not an endorsement or recommendation. Read the methodology
Profile notes
This is a descriptive public-record research profile. It is not a recommendation, eligibility decision, product assessment, or rate quote.
Data correction
Institutions or readers may request review when a published field differs from an official source. Provide the relevant official source URL with the request.
Request a correctionAt a glance
- Institution type
- Bank
- Status
- Active
- Headquarters
- Jefferson City, MO
- HMDA activity
- Published activity year 2025
- Listed branch locations
- 163
- Complaint records
- CFPB search status is not currently available.
- CRA examinations
- Satisfactory, exam June 23, 2025
- Institution history
- 17 published events
What USMI publishes
Public records USMI has matched to this institution. The sections below keep the evidence, the source, and that section's date together.
- Institution type
- Bank
- Status
- Active
- Headquarters
- Jefferson City, MO
- activity
- Published activity year 2025
- Listed branch locations
- 163
- Complaint records
- CFPB search status is not currently available.
- CRA examinations
- Satisfactory, exam June 23, 2025
- Institution history
- 17 published events
Mortgage FAQ: How can I check whether a company or person can make or broker mortgage loans? This is general mortgage education, not a finding about this institution.
What this profile is not
- Not a lender recommendation or ranking.
- Not a mortgage rate sheet or quote.
- Not an underwriting, approval, or eligibility decision.
- Not proof of an NMLS license unless a verified NMLS company ID/source is specifically published.
- Not a complaint-resolution channel.
- Missing source blocks do not establish that an institution lacks an activity, identifier, license or regulatory record.
HMDA
Mortgage activity
Reported records for the selected year. These figures are not a lender score.
10,858reported records
7,285reported originations
2025 reported mortgage activity. Source: HMDA.
HMDA2025The year selector below shows each published activity year.
activity
Mortgage activity reported in HMDA. Public HMDA records are available for 2018–2025.
Geographynationwide
HMDA source observed2026-08-09
Loan originations
7,285
2025
Denials
853
2025
Withdrawals
2,457
2025
Denial rate among decisioned applications
10.4%
2025
Annual history
Scroll sideways to review every HMDA column.
| Year | HMDA records | Originations | Approved but not accepted | Denials | Withdrawals | Denial rate |
|---|---|---|---|---|---|---|
| 2025 | 10,858 | 7,285 | 90 | 853 | 2,457 | 10.4% |
| 2024 | 11,306 | 7,513 | 66 | 1,012 | 2,543 | 11.8% |
| 2023 | 11,279 | 7,550 | 62 | 995 | 2,603 | 11.6% |
| 2022 | 12,726 | 9,403 | 46 | 908 | 2,328 | 8.8% |
| 2021 | 13,333 | 11,050 | 30 | 365 | 1,852 | 3.2% |
| 2020 | 4,312 | 3,756 | 6 | 84 | 466 | 2.2% |
| 2019 | 2,232 | 1,867 | 7 | 60 | 295 | 3.1% |
| 2018 | 1,551 | 1,285 | 5 | 55 | 206 | 4.1% |
Detailed activity
Loan type and purpose
| Category | HMDA records |
|---|---|
| Conventional | 9,475 |
| FHA | 824 |
| VA | 467 |
| RHS / FSA | 92 |
| Home purchase | 5,795 |
| Home improvement | 1,216 |
| Refinancing | 960 |
| Cash-out refinancing | 1,231 |
State reporting
49 states / territories reported
How to read these figures
HMDA records include applications, originations, purchased loans and other reportable actions. The total number of HMDA records is not the same as the number of mortgages originated. The displayed denial rate uses decisioned applications: originations, approved but not accepted, and denials.
CFPB
CFPB consumer submissions
Complaints are consumer submissions and are not findings of wrongdoing.
CFPBComplaint coverage dates are shown with the records. They are not the profile observed date.
CFPB Mortgage Complaint Activity
No published complaint result found
No mapped CFPB mortgage complaint activity is currently published on this profile under U.S. Mortgage Index's verified entity-matching methodology. This is not a finding that no complaint exists under another company name, affiliate, source attribution, period, or configuration.
This does not establish that no record exists elsewhere. It means USMI does not currently have a published matching result for this profile.
CFPB complaint records are submissions received by the Consumer Financial Protection Bureau.
Complaint volume is context. It is affected by company size, servicing volume, time in market and consumer awareness. It is not proof of wrongdoing.
Current USMI CFPB mortgage complaint coverage begins December 1, 2012. Data through August 20, 2026.
Learn more: What can I do if I think a mortgage lender discriminated against me? This is general mortgage education, not a finding about this institution.
Regulatory records
Regulatory & institutional records
Only records that apply to this institution are shown. Identifiers stay as published.
FFIEC NICAugust 19, 2026Observed date for the NIC institution record.
Institution identity
FDIC BankFind baseline
FDIC-reported identity and institutional fields from the public BankFind record. These values are not described as current or real-time.
- Legal name
- The Central Trust Bank
- Display name
- The Central Trust Bank
- Institution status
- Active
- FDIC insured
- Yes
- FDIC insured since
- January 1, 1934
- Established date
- February 3, 1902
- Charter class
- State-chartered commercial bank, member of the Federal Reserve System (FRS)
- Primary federal regulator
- Federal Reserve Board
- Headquarters
- Jefferson City, MO, 65101, United States
- Website
- https://www.centralbank.net
- FDIC certificate number
- 12633
- Federal Reserve
- 853952
- Domestic location count
- 174
- Source observed
- August 5, 2026
Regulatory information
Regulatory profile
Public FFIEC NIC and CRA records for this institution, presented as source-backed regulatory context rather than a score or recommendation.
Regulatory identity
- Institution status
- ACTIVE
- Primary federal regulator
- FRS
- Institution type
- State Member Bank
- Primary activity
- NAICS 52211
- FDIC certificate
- 12633
- Federal Reserve
- 853952
- 549300UF3FPC7U6RFC59
- Headquarters
- 238 Madison Street, Jefferson City, MO, 65101, United States
- Primary deposit insurer
- Deposit Insurance Fund (DIF)
- Source observed
- August 19, 2026
Community Reinvestment Act (CRA)
Latest available CRA evaluation
- Rating
- Satisfactory
- Exam date
- June 23, 2025
- Regulator
- Federal Reserve
- Examination method
- Large Bank Exam
This information reflects Community Reinvestment Act examination ratings reported by the cited official source. It is not a US Mortgage Index rating, recommendation, or assessment of the institution.
CRA evaluations are examination results from the relevant regulatory process and should be interpreted in the context of the examination date and source.
Historical CRA evaluations
Scroll sideways to see every CRA examination column.
| Exam date | CRA rating | Regulator | Examination method |
|---|---|---|---|
| June 23, 2025 | Satisfactory | Federal Reserve | Large Bank Exam |
| May 16, 2022 | Satisfactory | Federal Reserve | Large Bank Exam |
| October 1, 2018 | Satisfactory | Federal Reserve | Large Bank Exam |
| July 18, 2016 | Satisfactory | Federal Reserve | Large Bank Exam |
| May 27, 2014 | Satisfactory | Federal Reserve | Large Bank Exam |
| October 1, 2012 | Satisfactory | FDIC | Large Bank Exam |
| June 1, 2009 | Satisfactory | FDIC | Large Bank Exam |
| April 1, 2006 | Satisfactory | FDIC | Large Bank Exam |
| March 1, 2003 | Satisfactory | FDIC | Large Bank Exam |
| November 1, 1999 | Satisfactory | FDIC | Large Bank Exam |
| July 1, 1997 | Outstanding | FDIC | Not Reported |
| January 1, 1996 | Outstanding | FDIC | Not Reported |
| June 1, 1993 | Outstanding | FDIC | Not Reported |
| April 1, 1991 | Outstanding | FDIC | Not Reported |
Formal hierarchy
FFIEC NIC hierarchy rows
8
Showing 1 through 8 of 8 relationship records
| Relationship | Institution | Type | Location |
|---|---|---|---|
| Direct relationship | CENTRAL AUXILIARY CORPORATION | Finance Company | Jefferson City, MO |
| Direct relationship | CENTRAL MISSOURI REALTY COMPANY | Domestic Entity Other | Jefferson City, MO |
| Direct relationship | CENTRAL ORE CORPORATION | Domestic Entity Other | Jefferson City, MO |
| Direct relationship | CENTRAL TAX EXEMPT INVESTMENTS, LLC | Domestic Entity Other | Jefferson City, MO |
| Direct relationship | CLAYTON FORSYTH REALITY, LLC | Domestic Entity Other | Clayton, MO |
| Direct relationship | CTB QW INVESTMENT FUND, LLC | Domestic Entity Other | Jefferson City, MO |
| Direct relationship | INVESTOR SERVICES INSURANCE, INC. | Domestic Entity Other | Jefferson City, MO |
| ROOT_INSTITUTION | CENTRAL TRUST BANK, THE | State Member Bank | Jefferson City, MO |
These rows are the FFIEC NIC formal hierarchy. They are not branch locations and they are not the separate institution-relationship records.
FFIEC NIC information reflects public regulatory records observed on the displayed source date. Observed dates describe when the public record was reviewed, not a real-time update.
Additional profile fields
Fields below supplement the primary source baseline and are shown only when present on the public profile.
- Entity type
- FDIC-insured state-chartered member bank
Locations
Branch and office locations
Start with the published count and primary location. Search stays paged so the first view stays readable.
FFIEC NIC branchesAugust 19, 2026Branch rows are paged. Filters stay in the page address.
Branch locations
Listed locations from FFIEC NIC. Counts use the published branch record, not a store locator.
Branch network
Listed locations
163
Showing 51 through 100 of 163 listed locations
Scroll sideways to see every branch column.
| Branch | Address | City | State | Postal code |
|---|---|---|---|---|
| KEENE FINANCIAL CENTER | 205 South Keene Street | Columbia | MO | 65201 |
| LAKE OF THE WOODS BRANCH | 5614 East St. Charles Road, Suite A | Columbia | MO | 65202 |
| MOTOR BRANCH | 203 East Walnut Street | Columbia | MO | 65203 |
| ROCKBRIDGE FACILITY | 505 East Nifong Boulevard | Columbia | MO | 65201 |
| SMILEY LANE BRANCH | 1009 Smiley Lane | Columbia | MO | 65202 |
| VILLAGE BRANCH | 1916 Paris Road | Columbia | MO | 65201 |
| WEST BROADWAY FACILITY | 2711 West Broadway | Columbia | MO | 65203 |
| WOODRAIL FACILITY | 1000 West Nifong Boulevard | Columbia | MO | 65203 |
| CREVE COEUR BRANCH | 669 North New Ballas Road | Creve Coeur | MO | 63141 |
| MORTGAGE FACILITY | 425 North New Ballas Road, Suite 101 | Creve Coeur | MO | 63141 |
| DEARBORN BRANCH | 102 Main Street | Dearborn | MO | 64439 |
| DES PERES BRANCH | 12230 Manchester Road | Des Peres | MO | 63131 |
| ELDON BRANCH | 611 East North Street | Eldon | MO | 65026 |
| EXCELSIOR BRANCH | 2210 Patsy Lane | Excelsior Springs | MO | 64024 |
| FAIR GROVE FACILITY | 21 North Orchard | Fair Grove | MO | 65648 |
| FULTON BRANCH | 410 Market Street | Fulton | MO | 65251 |
| FULTON NORTH BRANCH | 2020 North Bluff | Fulton | MO | 65251 |
| GLADSTONE BRANCH | 6410 North Prospect | Gladstone | MO | 64119 |
| WILDWOOD BRANCH | 179 Plaza Drive | Grover | MO | 63040 |
| HALLSVILLE BRANCH | 105 N. Route B | Hallsville | MO | 65255 |
| 401 FAIRGROUND AVENUE BRANCH | 401 Fairground Avenue | Higginsville | MO | 64037 |
| HIGHLANDVILLE FACILITY | 3643 State Highway EE | Highlandville | MO | 65669 |
| HOLDEN DRIVE-THRU BRANCH | 206 South Market Street | Holden | MO | 64040 |
| HOLLISTER BRANCH | 710 Birch Street | Hollister | MO | 65672 |
| HOLTS SUMMIT BRANCH | 155 Northstar Drive | Holts Summit | MO | 65043 |
| HUNTSVILLE BRANCH | 113-117 South Main Street | Huntsville | MO | 65259 |
| 10801 EAST 23RD STREET BRANCH | 10801 East 23rd Street | Independence | MO | 64052 |
| INDEPENDENCE BRANCH | 4315 South Noland Road | Independence | MO | 64055 |
| CENTRAL BK WEST BRANCH | Highway 50 West & Country Club Drive | Jefferson City | MO | 65109 |
| FINANCIAL CENTER | 111 E. Miller St. | Jefferson City | MO | 65101 |
| JEFFERSON BANK EAST BRANCH | 901 Eastland Drive | Jefferson City | MO | 65101 |
| JEFFERSON BANK OF MISSOURI MARKET, PRIMARY OFFICE | 700 Southwest Boulevard | Jefferson City | MO | 65109 |
| JEFFERSON BANK SOUTH BRANCH | 1910 Southwest Boulevard | Jefferson City | MO | 65109 |
| JEFFERSON BANK WEST BRANCH | 2815 Truman Boulevard | Jefferson City | MO | 65109 |
| MOTOR BRANCH | 116 - 124 East Miller Street | Jefferson City | MO | 65101 |
| WAL-MART FACILITY | 724 West Stadium Boulevard | Jefferson City | MO | 65109 |
| 9740 WORNALL ROAD BRANCH | 9740 Wornall Road | Kansas City | MO | 64114 |
| BLUE PARKWAY | 4209 East 50th Terrace | Kansas City | MO | 64130 |
| BLUE RIDGE BANKING CENTER | 4668 Blue Ridge Blvd | Kansas City | MO | 64133 |
| KANSAS CITY NORTH BRANCH | 9591 North Mcgee Street | Kansas City | MO | 64155 |
| SHOAL CREEK BRANCH | 9200 Northeast Barry Road | Kansas City | MO | 64157 |
| SHOPS AT BOARDWALK BRANCH | 8740 N. Ambassador Dr. | Kansas City | MO | 64154 |
| LAKE OZARK BRANCH | 1860 Bagnell Dam Boulevard | Lake Ozark | MO | 65049 |
| LAURIE BRANCH | 101 Dogwood Lane | Laurie | MO | 65038 |
| LAWSON BANK BRANCH | 401 North Pennsylvania | Lawson | MO | 64062 |
| CENTRAL BANK OF THE MIDWEST MARKET, PRIMARY OFFICE | 609 North Highway 291 | Lee's Summit | MO | 64086 |
| 639 NORTHEAST WOODS CHAPEL ROAD BRANCH | 639 Northeast Woods Chapel Road | Lees Summit | MO | 64064 |
| ARBORWALK BRANCH | 1305 SW Arborwalk Blvd | Lees Summit | MO | 64082 |
| LIBERTY BRANCH | 102 South 291 Highway | Liberty | MO | 64068 |
| SPUR DRIVE BRANCH | 1197 Spur Drive | Marshfield | MO | 65706 |
FFIEC NIC information reflects public regulatory records observed on the displayed source date. Observed dates describe when the public record was reviewed, not a real-time update.
History
Institution history
Events are listed by date. The source event type is kept with the record.
HistoryAugust 19, 2026Event dates come from the source row. The observed date is when USMI reviewed the file.
Institution history
History events from FFIEC NIC, newest first. USMI does not add a merger or failure narrative.
Institutional history
FFIEC NIC history events
17
Showing 1 through 17 of 17 history events
| Event date | Event type | Related institution |
|---|---|---|
| December 31, 2021 | Charter Discontinued (Merger or Purchase & Assumption) | CENTRAL MORTGAGE COMPANY |
| October 1, 2021 | Charter Discontinued (Merger or Purchase & Assumption) | — |
| October 1, 2021 | Charter Discontinued (Merger or Purchase & Assumption) | — |
| October 1, 2021 | Charter Discontinued (Merger or Purchase & Assumption) | — |
| October 1, 2021 | Charter Discontinued (Merger or Purchase & Assumption) | — |
| October 1, 2021 | Charter Discontinued (Merger or Purchase & Assumption) | — |
| October 1, 2021 | Charter Discontinued (Merger or Purchase & Assumption) | — |
| October 1, 2021 | Charter Discontinued (Merger or Purchase & Assumption) | — |
| October 1, 2021 | Charter Discontinued (Merger or Purchase & Assumption) | — |
| October 1, 2021 | Charter Discontinued (Merger or Purchase & Assumption) | — |
| October 1, 2021 | Charter Discontinued (Merger or Purchase & Assumption) | — |
| October 1, 2021 | Charter Discontinued (Merger or Purchase & Assumption) | — |
| October 1, 2021 | Charter Discontinued (Merger or Purchase & Assumption) | CENTRAL TRUST COMPANY |
| October 1, 2021 | Charter Discontinued (Merger or Purchase & Assumption) | — |
| December 16, 1999 | Charter Discontinued (Merger or Purchase & Assumption) | — |
| April 10, 1999 | Charter Discontinued (Merger or Purchase & Assumption) | — |
| December 17, 1985 | Charter Discontinued (Merger or Purchase & Assumption) | — |
These events are shown as reported by the FFIEC NIC source and are not independent legal conclusions.
FFIEC NIC information reflects public regulatory records observed on the displayed source date. Observed dates describe when the public record was reviewed, not a real-time update.
SourcesEach source keeps its own observed date. Dates are not combined into one profile date.
Sources & methodology
Sources are shown as recorded in the published public views. Observed dates describe when a public record was reviewed, not a real-time update.
FDIC BankFind
Source reviewed2026-08-05
Limitation
FDIC fields describe the institution record USMI reviewed. They are not a recommendation or a real-time license check.
CFPB Consumer Complaint Database search
Source reviewed2026-08-05
Limitation
Complaint records are consumer submissions. A complaint is not proof of wrongdoing, and absence from this profile is not proof that no complaint exists elsewhere.
HMDA modified LAR
Source reviewed2026-08-05
Limitation
HMDA counts describe reported records for the published geography and year. They are not a quality score or a market-rank.
FFIEC NIC institution profile
Source reviewed2026-08-19
Limitation
The observed date is when USMI reviewed the public NIC record. It is not a real-time status feed.
FFIEC NIC branches
Source reviewed2026-08-19
Limitation
Branch rows are FFIEC NIC listed locations, not a consumer-facing store locator.
FFIEC NIC organizational hierarchy
Source reviewed2026-08-19
Limitation
Hierarchy rows are the FFIEC-reported structure. They are not a complete legal-ownership opinion and they are not branch locations.
FFIEC NIC institution history
Source reviewed2026-08-19
Limitation
History events are shown as reported by FFIEC NIC. USMI does not add a merger or failure narrative.
FFIEC CRA Ratings Database
Source reviewed2026-08-28
Limitation
A CRA rating is the regulator's examination result for the date shown. It is not a USMI rating.