Central Bank

Overview / Commentary
238 Madison Street
Jefferson City , MO 65101

Central Bank is headquartered in Jefferson City and is the 4th largest bank in the state of Missouri. It is also the 102nd largest bank in the nation. It was established in 1902 and as of June of 2022, it had grown to 2,787 employees at 179 locations. Central Bank has an A health rating.

Great service and fees

I have banked with many different banks in my lifetime. But, I have never been treated with the respect I am every time I go into my local Central Bank branch. I am immediately greeted by their loan officers as soon as I step foot in the door. There is rarely ever a long wait to get my business done and if there are mistakes, they take care of them quickly. They are also very proactive in their services. One time my debit card to my Checking account was compromised and before I never knew it, they had already put a hold on it for me. It was sort of an inconvenience at the time, as I needed the money. So I called into their customer service and they opened the card temporarily for me to pull $100 out of the bank before closing it back down.

I will never leave this bank

I have had an account with Central Bank of the Ozarks for several years. They are a group of banks centered in the SW portion of Missouri. Their parent company Central Bank is a bit larger, but only operates in the Midwest. They have grown a lot over the years, but still maintain their small town feel. Their customer service is fantastic. Any questions I might have I can call or just drop by and speak to one of their reps. I know most of them by name. I have have had a checking and savings with them for many years. I recently opened up a business checking account with them. They talked me through the whole process and had me feeling confident that I made the right decision. I will be going to them next for an investment account. I have looked over their information regarding the money market accounts they offer and they seem to be pretty competitive.

I would not leave them for a large national chain. The personal service they provide has been second to none in my opinion.

Worst Bank

I moved out here to think that this bank was a good bank. They allow you to go into the negative and charge you with all the fees. Charging you all the fees just so they can take your money. Sorry but Im going somewhere else that will stop my card from going into the negative and them just closing my account without me knowing.

Deceitful Financial Institution

Inattentive to their customers. Lack the responsibility and care to provide proper assistance to their customers. Avoid the Jefferson City location at all costs to save yourself from a very poorly ran banking environment. Sadly I had no choice in the matter.



Health Grade Components

FDIC Certificate #12633
Year Established1902
Primary RegulatorFED
Profit Margin
Return on Assets - YTD1.22%
Return on Equity - YTD13.68%
Annual Interest Income$267.2MM
Assets and Liabilities
AssetsQ2 2022vs Q2 2021$19.61B$3.71B
LoansQ2 2022vs Q2 2021$10.70B$1.29B
DepositsQ2 2022vs Q2 2021$15.83B$2.45B
Equity CapitalQ2 2022vs Q2 2021$1.67B$273.4MM
Loan Loss AllowanceQ2 2022vs Q2 2021$156.2MM$20.1MM
Unbacked Noncurrent LoansQ2 2022vs Q2 2021$15.4MM$3.0MM
Real Estate OwnedQ2 2022vs Q2 2021$5.2MM$107.00K

Sorry, we do not have rate data for Central Bank.



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