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Lender record

The Central Trust Bank

The real lending record — every figure from funded deals. HQ: 238 Madison St, Jefferson City, MO. 175 branches.

The Central Trust Bank banner

298

Recent deals (FY20+)

$124K

Typical deal

11 days

Approval → funding

5.7%

Failure rate (FY20–23)

Where The Central Trust Bank lends

Deals The Central Trust Bank funded — list all 298 as text

Deal profile

Most The Central Trust Bank deals land between $51K and $255K — that range covers half of everything they fund. Top industries and states:

Industries they fund most

  1. 1.Limited-Service Restaurants (25)
  2. 2.Full-Service Restaurants (13)
  3. 3.Fitness and Recreational Sports Centers (11)
  4. 4.Child Care Services (10)
  5. 5.Snack and Nonalcoholic Beverage Bars (9)
  6. 6.All Other Specialty Trade Contractors (7)
  7. 7.Landscaping Services (6)
  8. 8.Motor Vehicle Towing (6)

Most active states

  1. 1.Missouri (275 deals)
  2. 2.Kansas (16 deals)
  3. 3.Colorado (4 deals)
  4. 4.Kentucky (2 deals)
  5. 5.North Carolina (1 deals)

Franchises they finance most

Revive Juice and Coffee Bar

2 deals

Goosehead Insurance

2 deals

Pure Barre

2 deals

Anytime Fitness

2 deals

Cold Stone Creamery

2 deals

Can The Central Trust Bank fund you? The bank behind the loans

Total assets

$20.5B

▼ 1.6% vs prior quarter

Deposits on hand

$16.4B

▼ 2.1% vs prior quarter

Loans outstanding

$11.4B

▲ 0.6% vs prior quarter

Net income (latest qtr)

$101.1M

  • •SBA is a sideline here — this year's production is a rounding error against the loan book. Your deal competes with everything else they'd rather fund; a specialist bank will usually move faster. That makes The Central Trust Bank more SBA-focused than 3% of the banks on our record.
  • •Deposits shrank last quarter — worth asking early how much new-loan appetite they have right now.
  • •Return on assets of 1.96% — above the ~1% mark generally considered strong for a bank. How any of this translates to your rate is a question for the loan officer — pricing is set deal by deal.

FDIC call-report data, quarter ending 03/2026.

Walk into a The Central Trust Bank branch (175)

The Central Trust BankMain office238 Madison StJefferson City, MO 65101 · since 1902

Lawson Branch401 North Penn StreetLawson, MO 64062 · since 1883

Belton Branch204 Main StBelton, MO 64012 · since 1884

South Oak Branch329 S Oak StCalifornia, MO 65018 · since 1885

Liberty Branch102 S 291 HwyLiberty, MO 64068 · since 1894

Main Bank - Gardner Branch425 N Waverly RdGardner, KS 66030 · since 1894

Hallsville Branch105 N Route BHallsville, MO 65255 · since 1895

Main Street Facility113 S Main StHuntsville, MO 65259 · since 1900

Tuscumbia Branch Facility454 High StTuscumbia, MO 65082 · since 1903

Town Center Branch4801 Town Center DrLeawood, KS 66211 · since 1904

Pleasant Hope Branch103 S Main StPleasant Hope, MO 65725 · since 1905

Millstadt Branch3 E Washington StMillstadt, IL 62260 · since 1906

Fulton Branch410 Market StFulton, MO 65251 · since 1912

Blue Ridge Boulevard Branch4668 Blue Ridge BlvdKansas City, MO 64133 · since 1918

Smithville Branch302 W Main StSmithville, MO 64089 · since 1918 · limited service

Buckner Branch100 S Hudson StBuckner, MO 64016 · since 1928

Sturgeon Branch117 N Ogden StSturgeon, MO 65284 · since 1931

Sugar Creek Branch11206 East 24 HwySugar Creek, MO 64054 · since 1934

Downtown Lawrence Branch9th And Kentucky StreetsLawrence, KS 66044 · since 1952

Riverside Branch4438 N.W. GatewayRiverside, MO 64168 · since 1954

Nixa Branch502 W Mount Vernon StNixa, MO 65714 · since 1958

79th & Metcalf Branch79th And Metcalf StreetsOverland Park, KS 66204 · since 1962

Central Motor Branch116-124 East Miller StreetJefferson City, MO 65101 · since 1962

Motor Bank Branch203 E Walnut StColumbia, MO 65203 · since 1964

Motor Branch400 W Broadway BlvdSedalia, MO 65301 · since 1964 · limited service

Glen Isle Branch1436 S Glenstone AveSpringfield, MO 65804 · since 1964 · limited service

Des Peres Branch12230 Manchester RdDes Peres, MO 63131 · since 1966

South County Branch405 E BroadwayAshland, MO 65010 · since 1969

Blue Springs South Branch909 S 7 HwyBlue Springs, MO 64014 · since 1970

Claycomo Branch445 E Us Highway 69Kansas City, MO 64119 · since 1973

Drive-In Branch10801 E 23rd St SIndependence, MO 64052 · since 1973

The Village Branch1916 Paris RdColumbia, MO 65201 · since 1973

Lake Ozark Branch1860 Bagnell Dam BlvdLake Ozark, MO 65049 · since 1973

Malls Facility711 W 23rd StLawrence, KS 66046 · since 1973

New Bloomfield Branch100 State Road AeNew Bloomfield, MO 65063 · since 1973

Tnb Iii Branch3000 W Broadway BlvdSedalia, MO 65301 · since 1974 · limited service

North Branch1801 N Morley StMoberly, MO 65270 · since 1974

Jefferson City Facility2815 W Truman BlvdJefferson City, MO 65109 · since 1974

Sedalia Branch Facility2900 S Limit AveSedalia, MO 65301 · since 1975 · limited service

Motor Bank West Branch302 Highway 165Branson, MO 65616 · since 1975 · limited service

Metcalf 103 Branch10300 Metcalf AveOverland Park, KS 66212 · since 1975

Blue Springs North1505 N 7 HwyBlue Springs, MO 64014 · since 1976

North Bank2501 N Kansas ExpySpringfield, MO 65803 · since 1977

Jefferson City Branch111 E Miller StJefferson City, MO 65101 · since 1978

Central Bank West Branch3533 Country Club DrJefferson City, MO 65109 · since 1978

Higginsville Branch401 Fairground AveHigginsville, MO 64037 · since 1979

Village Green Branch Facility329 S Oak StCalifornia, MO 65018 · since 1980

Dearborn Branch102 Main StDearborn, MO 64439 · since 1980

Marshfield Branch1197 Spur DrMarshfield, MO 65706 · since 1981

Vandalia Branch1000 W Us Highway 54Vandalia, MO 63382 · since 1982

Jefferson City Facility1910 Southwest BlvdJefferson City, MO 65109 · since 1982

Rockbridge Facility505 E Nifong BlvdColumbia, MO 65201 · since 1984

Kk Branch6011 Osage Beach PkwyOsage Beach, MO 65065 · since 1984 · limited service

Chesterfield Branch1700 Clarkson RdChesterfield, MO 63017 · since 1985

Fair Grove Facility21 N Orchard BlvdFair Grove, MO 65648 · since 1985

Oak Grove Branch500 S BroadwayOak Grove, MO 64075 · since 1985

College Boulevard Branch11900 College BlvdOverland Park, KS 66210 · since 1986

Kansas City Branch9740 Wornall RdKansas City, MO 64114 · since 1987

Hammons Tower Branch901 E Saint Louis StSpringfield, MO 65806 · since 1987

Highlandville Facility3643 State Highway EeHighlandville, MO 65669 · since 1987

Wildwood Branch16415 Village Plaza View DrWildwood, MO 63011 · since 1987

Edgerton Branch405 E Nelson StEdgerton, KS 66021 · since 1988 · limited service

Ladue Branch9645 Clayton RdSaint Louis, MO 63124 · since 1988

West Facility2711 W BroadwayColumbia, MO 65203 · since 1988

Boonville Branch416 E Spring StBoonville, MO 65233 · since 1989

Camdenton Branch170 E Us Highway 54Camdenton, MO 65020 · since 1990

Wal-Mart Supercenter Facility724 W Stadium BlvdJefferson City, MO 65109 · since 1990

South National Facility3333 S National AveSpringfield, MO 65807 · since 1990

Odessa Branch416 N 2nd StOdessa, MO 64076 · since 1991

Woodrail Facility1000 W Nifong BlvdColumbia, MO 65203 · since 1992

Strafford Branch213 East Route 66Strafford, MO 65757 · since 1993

Jefferson City Facility901 Eastland DrJefferson City, MO 65101 · since 1993

Creve Coeur Branch669 N New Ballas RdCreve Coeur, MO 63141 · since 1994

Holts Summit Branch155 Northstar DrHolts Summit, MO 65043 · since 1994

Centralia Branch216 W Railroad StCentralia, MO 65240 · since 1995

Cedar Ridge Facility1115 James F. Epps RoadBranson, MO 65616 · since 1995

15100 Metcalf Branch15100 Metcalf AveOverland Park, KS 66223 · since 1996

Woods Chapel Road Branch639 Ne Woods Chapel RdLees Summit, MO 64064 · since 1996

South Glenstone Branch3212 S Glenstone AveSpringfield, MO 65804 · since 1996

O'Fallon Il Branch350 Hartman LnO Fallon, IL 62269 · since 1996

O Fallon Mo South Branch2996 Highway KO Fallon, MO 63368 · since 1997

Laurie Branch101 Dogwood LaneLaurie, MO 65038 · since 1997

South Iowa Facility3101 S Iowa StLawrence, KS 66046 · since 1997

South Limit Branch2900 S Limit AveSedalia, MO 65301 · since 1998 · limited service

Chesterfield Branch1940 W Chesterfield BlvdSpringfield, MO 65807 · since 1998

East 61st Street Branch9004 E 61st StTulsa, OK 74133 · since 1998

Www.Douglascountybank.Com Branch300 W 9th StLawrence, KS 66044 · since 1998

Smithville South Branch1603 S 169 HwySmithville, MO 64089 · since 1999

Eudora Facility1402 Church StEudora, KS 66025 · since 1999

Ozark Branch1520 W Jackson StOzark, MO 65721 · since 1999

Campbell Branch4221 S Campbell AveSpringfield, MO 65810 · since 1999

South County Branch12224 Tesson Ferry RdSaint Louis, MO 63128 · since 1999

Lake Of The Woods Branch5614 E Saint Charles RdColumbia, MO 65202 · since 2000

Shoal Creek Branch9200 Ne Barry RdKansas City, MO 64157 · since 2000

Parkville Branch8401 Nw Highway 45Parkville, MO 64152 · since 2001

Nieman Road Branch6114 Nieman RdShawnee Mission, KS 66203 · since 2001

Holden Branch206 S Market StHolden, MO 64040 · since 2001

Lackman Road Branch15100 West 67th StreetShawnee, KS 66216 · since 2002

Plattsburg Branch100 W Clay AvePlattsburg, MO 64477 · since 2002

Eldon Branch611 E North StEldon, MO 65026 · since 2002

Sapulpa Branch615 S Mission StSapulpa, OK 74066 · since 2002

Midtown Branch2424 E 21st StTulsa, OK 74114 · since 2002

East Kearney Branch2960 E Kearney StSpringfield, MO 65803 · since 2003

Owasso Branch12502 E 96th St NOwasso, OK 74055 · since 2003

New Century Branch900 E Main StGardner, KS 66030 · since 2003

West 6th Street Branch4340 W 6th StLawrence, KS 66049 · since 2003

Boonville West Facility Branch1920 Legends West AveBoonville, MO 65233 · since 2003

Olathe Branch13446 S Blackbob RdOlathe, KS 66062 · since 2004

O'Fallon Mo North Branch321 S Main StO Fallon, MO 63366 · since 2004

Smiley Lane Branch1009 Smiley LnColumbia, MO 65202 · since 2004

Ozark South Branch1910 W Marler LnOzark, MO 65721 · since 2005

Hollister Bank Office710 Birch StreetHollister, MO 65672 · since 2005

Independence Branch4315 S Noland RdIndependence, MO 64055 · since 2005

New Town Branch3700 New Town BlvdSaint Charles, MO 63301 · since 2006

Weldon Spring Branch800 Ofallon RdWeldon Spring, MO 63304 · since 2006

69 Highway Branch7960 W 135th StOverland Park, KS 66223 · since 2006

Boardwalk Branch8740 N Ambassador DrKansas City, MO 64154 · since 2006

Arborwalk Branch1305 Sw Arborwalk BlvdLees Summit, MO 64082 · since 2007

Southwest Boulevard Branch2410 Southwest BlvdTulsa, OK 74107 · since 2007

Excelsior Springs Branch2210 Patsy LnExcelsior Springs, MO 64024 · since 2007

Gladstone Branch6410 N Prospect AveKansas City, MO 64119 · since 2007

Republic Branch1110 E Independence StRepublic, MO 65738 · since 2008

Keene Financial Center205 S Keene StColumbia, MO 65201 · since 2008

Columbia Branch285 Southwoods CtrColumbia, IL 62236 · since 2008

Www.Centralbank.Net Branch2116 Nelwood DrColumbia, MO 65202 · since 2009

Nelwood Drive Branch2116 Nelwood DrColumbia, MO 65202 · since 2009

Empire Bank Web Branch2116 Nelwood DrColumbia, MO 65202 · since 2009

Www.Firstcentral.Net Branch2116 Nelwood DrColumbia, MO 65202 · since 2009

Www.Cbolobank.Com Branch2116 Nelwood DrColumbia, MO 65202 · since 2009

Web Branch2116 Nelwood DrColumbia, MO 65202 · since 2009

Web Branch2116 Nelwood DrColumbia, MO 65202 · since 2009

Www.Boonebank.Com2116 Nelwood DrColumbia, MO 65202 · since 2009

North Kansas City Branch1157 Burlington StKansas City, MO 64116 · since 2009

Web Branch609 Northeast Missouri 291Lees Summit, MO 64086 · since 2009

Www.Centralbankstl.Net Branch2116 Nelwood DrColumbia, MO 65202 · since 2009

Web Branch2116 Nelwood DrColumbia, MO 65202 · since 2009

Www.Jefferson-Bank.Com Branch2116 Nelwood DrColumbia, MO 65202 · since 2010

Fulton North Branch2020 N Bluff StFulton, MO 65251 · since 2010

Web Office Branch2116 Nelwood DrColumbia, MO 65202 · since 2010

Edmond Branch3032 E 2nd StEdmond, OK 73034 · since 2011

Ferguson Branch10704 West Florissant AveSaint Louis, MO 63136 · since 2012

Blue Springs Commercial Loan Center Branch1330a N 7 HwyBlue Springs, MO 64014 · since 2013 · limited service

Kansas City North Branch9591 N Mcgee StKansas City, MO 64155 · since 2016

Blue Parkway4209 E 50th TerKansas City, MO 64130 · since 2018

Springfield Plaza Branch3720 West SunshineSpringfield, MO 65807 · since 2018

Colorado Springs Branch5278 N Nevada Ave Ste 100Colorado Springs, CO 80918 · since 2018 · limited service

Durango Branch1211 Main AveDurango, CO 81301 · since 2019

Denver Branch8000 E Belleview AveGreenwood Village, CO 80111 · since 2019

Gatesworth Branch1 Mcknight PlSt. Louis, MO 63124 · since 2020 · limited service

Platte City Main Bank Branch2400 Nw Prairie View RdPlatte City, MO 64079 · since 2020

Central Bank Of Branson Market Branch400 South Commercial StreetBranson, MO 65616 · since 2021

Central Bank Of The Ozarks Market Branch1800 S Glenstone AveSpringfield, MO 65804 · since 2021

Jefferson Bank Of Missouri Market Branch700 Southwest BlvdJefferson City, MO 65109 · since 2021

Central Bank Of Warrensburg Market Branch401 N Maguire StWarrensburg, MO 64093 · since 2021

Central Bank Of St. Louis Market Branch7707 Forsyth BlvdClayton, MO 63105 · since 2021

Central Bank Of Boone County Market Branch720 E BroadwayColumbia, MO 65201 · since 2021

Central Bank Of Audrain Country Market Branch203 E Liberty StMexico, MO 65265 · since 2021

Bank Of Sedalia Market Branch301 W Broadway BlvdSedalia, MO 65301 · since 2021

Central Bank Of Midwest Market Branch609 Ne 291 HwyLees Summit, MO 64086 · since 2021

Okc South Branch8700 S Pennsylvania AveOklahoma City, OK 73159 · since 2021

Branson West Branch18192 Business 13Branson West, MO 65737 · since 2021

East Sunshine Branch3810 E Sunshine StSpringfield, MO 65809 · since 2021

Central Bank Of Lake Of The Ozarks Market Branch3848 Osage Beach PkwyOsage Beach, MO 65065 · since 2021

Central Bank Of Oklahoma Market Branch8908 S Yale AveTulsa, OK 74137 · since 2021

Central Bank Of Moberly Market Branch500 W Coates StMoberly, MO 65270 · since 2021

North May Branch5701 N May AveOklahoma City, OK 73112 · since 2022

Naples Branch3701 Tamiami Trl NNaples, FL 34103 · since 2022

Ku Student Union Branch1301 Jayhawk BlvdLawrence, KS 66045 · since 2022

Westminster Branch8950 Westminster BlvdWestminster, CO 80031 · since 2023

Ku Medical Center Branch3938 Rainbow BlvdKansas City, KS 66103 · since 2024

159th Olathe Branch15892 S. Ridgeview RoadOlathe, KS 66062 · since 2025

Wentzville Branch2 Old Williamsburg PkwyWentzville, MO 63385 · since 2025

Cary Branch215 E Chatham StCary, NC 27511 · since 2026 · limited service

St. Peters Branch4300 Mexico RdSaint Peters, MO 63376 · since 2026

Webster Groves Branch220 W Lockwood AveWebster Groves, MO 63119 · since 2026

Scroll for all 175 branches · Branch data: FDIC BankFind.

Recent deals

  • Teriyaki Madness in Columbia, MO — $498K (2026) · Limited-Service Restaurants
  • LifePath of Mid-Missouri LLC in Columbia, MO — $325K (2026) · Residential Intellectual and Developmental Disability Facili
  • Righteous Refreshments LLC in Nixa, MO — $200K (2026) · Snack and Nonalcoholic Beverage Bars
  • Birdie's Deli in Columbia, MO — $198K (2026) · Limited-Service Restaurants
  • Righteous Refreshments LLC in Nixa, MO — $189K (2026) · Snack and Nonalcoholic Beverage Bars
  • MJ's Kitchen Group LLC in Columbia, MO — $135K (2026) · Limited-Service Restaurants
  • Show Me Outdoors LLC in Hallsville, MO — $85K (2026) · Farm Machinery and Equipment Manufacturing
  • Stackfence LLC in Nelson, MO — $55K (2026) · All Other Specialty Trade Contractors
  • M&J'S GERMAN-AMERICAN FOODS LLC in Higbee, MO — $31K (2026) · Mobile Food Services
  • Creative Custom Carpentry LLC in Moberly, MO — $21K (2026) · Finish Carpentry Contractors

Hover or tap a deal for terms: program, rate, SBA guarantee, days to fund.

One of these businesses yours? Claim your listing or request removal.

Failed deals

12 of The Central Trust Bank's loans on record were charged off — the lender gave up collecting, which usually means the business failed. Each links to its full record.

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Businesses The Central Trust Bank financed

224 businesses on record — the 60 largest by funding. Each links to its full SBA record.

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CapBench analysis of public lending records, FY2020–present. Not affiliated with The Central Trust Bank.

Agent summary

This page summarizes The Central Trust Bank's public SBA 7(a) lending record — deal sizes, industries, geography, and FDIC profile — from CapBench SBA Intelligence. CapBench is not a lender and does not originate or approve loans.

  • 298 SBA 7(a) loans on record
  • $124K typical deal
  • 22 business-acquisition loans
  • HQ: 238 Madison St, Jefferson City, MO
  • 175 FDIC branch locations
  • FDIC total assets $20.5B

Next steps

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Data freshness:
SBA records through 2026-05-31; FDIC through 2026-03-31; page updated 2026-06-18.
Sources:
Public SBA 7(a) loan records; FDIC institution data (BankFind); CapBench lender and franchise enrichment.
Canonical:
https://www.capbench.com/lenders/the-central-trust-bank
API:
https://www.capbench.com/api/public/lenders/the-central-trust-bank
Methodology:
Sources & methodology
  • Informational only — CapBench does not confirm this entity is for sale, eligible for SBA financing, or approved by any lender.
  • Figures come from public records and CapBench methodology; verify before relying on them.
  • Lender matches are informational and based on public lending activity — they do not guarantee lender interest or approval.

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