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Overview / Commentary
285 Main Street
Lander, WY 82520

Central Bank and Trust is headquartered in Lander and is the 16st largest bank in the state of Wyoming. It is also the 3,657th largest bank in the nation. It was established in 1890 and as of March of 2014, it had grown to 41 employees at 5 locations. Central Bank and Trust has a B+ health rating.

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Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Central Bank and Trust had $511,000 in non-current loans and owned real-estate with $14.28 million in equity and loan loss allowances on hand to cover it. This gives Central Bank and Trust a Texas Ratio of 3.58% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Central Bank and Trust decreased slightly from 4.81% as of March 31, 2013 to 3.58% as of March 31, 2014, resulting in a positive change of 25.61%.This indicates that the balance sheet and financial strength for Central Bank and Trust has improved slightly in recent periods.

Deposit Growth


In the past year, Central Bank and Trust has decreased its total deposits by -$8.39 million, resulting in -6.16% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Central Bank and Trust has shown is below average.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Central Bank and Trust has $153.86 million in assets with $14.28 million in equity, resulting in a capitalization level of 9.28%, which is average.

Institution Statistics

FDIC Certificate #529
Year Established1890
Primary RegulatorFDIC
Assets and Liabilities
Assets$153.86 million
Loans$86.76 million
Deposits$127.87 million
Equity Capital$13.31 million
Loan Loss Allowance$975,000
Unbacked Noncurrent Loans$408,000
Real Estate Owned$103,000
Historic Data - March 2013
Assets$160.80 million
Equity Capital$14.46 million
Loan Loss Allowance$1.01 million
Unbacked Noncurrent Loans$408,000
Real Estate Owned$71,000
Profit Margin - Quarterly
Net Interest Margin3.55%
Return on Assets1.17%
Return on Equity13.94%
Interest Income$1.38 million

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Central Bank and Trust Locations
Fort Washakie Branch14615 U.S. Highway 287Fort Washakie, WY 82514
Riverton Branch220 North FederalRiverton, WY 82501
Central Bank and Trust285 Main StreetLander, WY 82520
Cheyenne Branch3060 East LincolnwayCheyenne, WY 82003
Thermopolis Branch435 Arapahoe StreetThermopolis, WY 82443