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238 Madison Street
Jefferson City , MO 65101

Central Bank is headquartered in Jefferson City and is the 8th largest bank in the state of Missouri. It is also the 356th largest bank in the nation. It was established in 1902 and as of December of 2017, it had grown to 645 employees at 14 locations. Central Bank has an A health rating.

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Reviews (3)

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.


I believed in going to a small town bank thinking that the customer service would be good, little did I know that not only is that not the case but they will hold your money even though they can verify funds, but refuse to do so. They tend to enjoy the power trip attitude vs. helping someone by making a phone call.


Health Grade Components

FDIC Certificate #12633
Year Established1902
Primary RegulatorFED
Profit Margin
Return on Assets - YTD1.09%
Return on Equity - YTD12.49%
Annual Interest Income$66.5MM
Assets and Liabilities
AssetsQ4 2017vs Q4 2016$2.51B$2.68B
LoansQ4 2017vs Q4 2016$1.00B$945.2MM
DepositsQ4 2017vs Q4 2016$1.74B$1.66B
Equity CapitalQ4 2017vs Q4 2016$227.8MM$223.9MM
Loan Loss AllowanceQ4 2017vs Q4 2016$15.6MM$15.3MM
Unbacked Noncurrent LoansQ4 2017vs Q4 2016$5.9MM$6.5MM
Real Estate OwnedQ4 2017vs Q4 2016$1.9MM$576.00K

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