Central Bank is headquartered in JEFFERSON CITY and is the 3rd largest bank in the state of Missouri. It is also the 97th largest bank in the nation. It was established in 1902 and as of March of 2025, it had grown to 2,918 employees at 178 locations. Central Bank has an A health rating.
10 Years Of Excellent Checking Experience
Very pleased with attentive, knowledgeable staff. Always an excellent satisfying experience (mostly in person) and also by phone. Highly recommended!
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.
Run! Don’T Use Central Bank And Trust
Worst experience ever, not only did they not tell me my loan was being transferred two days before the payment date, but they specifically asked me to disregard all junk mail without the crest of the company central bank and trust. Therefore when I received another mortgage loan invite I assumed it was just junk mail per their instructions. Little did I know I would send my first large mortgage payment to the wrong company and have it lost in translation. Matt the lender there covers up his tracks and places blame while having to have the last word. Very unprofessional and will not be dealing with them anytime soon or ever. Steer clear.
Donita Taylor
08 Chev Trailblazer OWE ONLY 318.00 THEY ARE GOING TO REPO IT, SENIOR CITIZEN MADE A MARCH PAYMENT NOT LATE ONYL AFFORD 100 MONTHS VERY TERRIBLE LETTER, Lynn Garrison threating me for loudly 300 Car Payment
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.
Bad Experience
Went to the loan office in Jefferson city to take care of a car title because I was selling the car. Had to get the lien released from the title. Went into the loan office and me and my two friends(African Americans)were treated like they wanted nothing to do with us. The guys in the loan office rushed us out of there and said that we had to go to the main bank. Went into the main bank was was treated worse by a short haired belonde lady. I went in and said hi we were sent over here to get help with a lien release. And the words that came out of her mouth were" blah blah blah wah wah what" this is the teller behind the desk. If she did not understand she could have simply said could you please repeat that but she blatantly tried to make it seem like we were dumb and did not know what we were talking about. During the whole process she was snobby and did not want to help us. Central bank has a lot of customers all around the country but now they are going to have one less customer because I am definitely leaving. I pray for that lady bank teller and hope God blesses her life.
Terrible Bank!
Worse experience I’ve ever had dealing with a bank! They’re crooks!
Two Overdraft Charges??
I am a 72 year old senior and made a mistake in my check register ! Needless to say I had a check that was "Insufficient Funds " not only did Central bank of ozark charge me 35$ once BUT twice for that check ( That is just WRONG !! SHAME ON CENTRAL BANK NO STARS!
Data as of Q1 2025
Learn why bank health mattersHealth Grade Components
| Overall | |
|---|---|
| FDIC Certificate # | 12633 |
| Year Established | 1902 |
| Employees | 2918 |
| Primary Regulator | FED |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 1.77% |
| Return on Equity - YTD | 19.12% |
| Annual Interest Income | $239.9MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q1 2025vs Q1 2024 | $19.55B$19.04B |
| Loans | Q1 2025vs Q1 2024 | $11.36B$11.36B |
| Deposits | Q1 2025vs Q1 2024 | $15.48B$15.3B |
| Equity Capital | Q1 2025vs Q1 2024 | $1.86B$1.62B |
| Loan Loss Allowance | Q1 2025vs Q1 2024 | $153.7MM$154.6MM |
| Unbacked Noncurrent Loans | Q1 2025vs Q1 2024 | $48MM$29.5MM |
| Real Estate Owned | Q1 2025vs Q1 2024 | $4.5MM$4.1MM |
