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.

Reviews (8)

I Love My Bank!

Posted by: |

My location is he branch at 79th & Metcalf in Overland Park, Kansas. I love this bank. I can't speak for other locations however, This one is wonderful. Rarely a problem when there is one corrected easily. Friendly people! I have brought people to this bank.

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.

Terrible Bank!

Posted by: |

Worse experience I’ve ever had dealing with a bank! They’re crooks!

Two Overdraft Charges??

Posted by: |

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!

Worst Bank Ever!

Posted by: |

This bank definitely has the worst customer service. Over the phone or in person, hopeless. They happily tell you that yes your are negative even though it shows your funds are there and you will be charged an over draft fee as well. Just cheerfully letting you know they're screwing you and there's nothing you can do but accept it. I never chose this bank, I was automatically transferred over after they bought my original bank. Whom I NEVER had the issues that I have with Central Bank at the Lake of the Ozarks. All they can say is that it's their system and it's gonna do what it does. Which is TOTAL BS! With today's technology there shouldn't be these kind of issues or delays with MY money or a paycheck that is also from THE SAME bank. What other bank does that? None I've ever used. And if u have the unfortunate task of having to actually go in the bank, be prepared for stuck up unfriendly tellers. I cant tell u how many times I've waited, sometimes more than 5 minutes for my turn just because they were having a personal, casual conversation about nothing to do with banking! I've come to realize that if your not a millionaire or a handsome guy to be flirted with then you dont matter to the teller and you dont get the same respect or service as you should. This bank in Lake Ozark is absolutely despicable! Not only do they treat you like scum if you're not rich but they screw you over in overdrafts and negative balances even when the money is there! Ive heard so many horror stories and problems like this from the regular working class with this bank. I have no idea how they keep getting away with it. Screw the moderate income people out of their money while treating them like trash. They really should advertise that it's not advised to bank here unless your account or accounts are at 6 figures. Would rate Zero stars if it allowed for it.


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 - YTD1.22%
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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