SBA lender profile
The Central Trust Bank
The Central Trust Bank appears in the public SBA loan data with 882 funded 7(a) loans since FY2010, totaling $209.4M, an average of $237K per loan, and an estimated 9,337 jobs supported. Its SBA lending concentrates in Missouri and the Manufacturing sector. Across its 7(a) loans, the charge-off rate is 5.6%. 24.7% of its 7(a) loans were processed under delegated PLP authority.
By Mario Bailey · Source: SBA FOIA 7(a) and 504 data, FY2010–2026 (as of 2026-03-31)
- Track record 58
- Scale 85
- Activity 76
- Consistency 89
A relative profile signal from the public SBA record, not a prediction of approval or a guarantee.
Is The Central Trust Bank the right lender for you?
Lenders fund what they know. The Central Trust Bank's SBA lending concentrates in Missouri (681 loans) and Manufacturing (72 loans), at an average loan of $237K. If your business does not look like that, a different SBA lender is likely the better fit.
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Bank profile
via FDIC- Total assets
- $20.5B
- Headquarters
- Jefferson City, MO
- FDIC cert
- #12633
- Status
- Active
Where The Central Trust Bank lends
Top states by funded SBA volume.
Metro areas where The Central Trust Bank funds
What The Central Trust Bank funds
Top industries by funded SBA volume.
| Industry | Loans | Total volume |
|---|---|---|
| Manufacturing | 72 | $36.5M |
| Accommodation and Food Services | 150 | $33.1M |
| Construction | 85 | $26.5M |
| Retail Trade | 123 | $21.5M |
| Other Services | 106 | $17.9M |
| Health Care and Social Assistance | 70 | $14.7M |
The Central Trust Bank SBA lending by year
Funded SBA volume by approval fiscal year (FY2010–2026).
| Fiscal year | Loans | Total volume |
|---|---|---|
| 2010 | 117 | $22.8M |
| 2011 | 97 | $19.3M |
| 2012 | 81 | $14.6M |
| 2013 | 62 | $13.1M |
| 2014 | 43 | $12.5M |
| 2015 | 43 | $10.1M |
| 2016 | 55 | $15.2M |
| 2017 | 33 | $8.7M |
| 2018 | 35 | $13.4M |
| 2019 | 18 | $4.3M |
| 2020 | 35 | $9.5M |
| 2021 | 61 | $21.2M |
| 2022 | 55 | $11.6M |
| 2023 | 58 | $13.6M |
| 2024 | 39 | $6.6M |
| 2025 | 40 | $11.0M |
| 2026 | 10 | $1.7M |
Related SBA lenders
Other lenders active in Missouri or in Manufacturing.
Comparing lenders? See how to choose an SBA lender by track record.
The Central Trust Bank: frequently asked questions
Does The Central Trust Bank offer SBA loans?
Yes. The Central Trust Bank appears in the public SBA data with 882 funded SBA 7(a) loans totaling $209.4M.
How many SBA loans has The Central Trust Bank made?
The Central Trust Bank is associated with 882 SBA 7(a) loans totaling $209.4M in the public SBA data (as of 2026-03-31).
What is The Central Trust Bank's SBA charge-off rate?
About 5.6% of The Central Trust Bank's 7(a) loans in the data have been charged off. A lower rate is generally a better sign, but it is not a lifetime default rate; see our methodology for how it is calculated.
Where does The Central Trust Bank do most of its SBA lending?
The Central Trust Bank's SBA lending in the data is most concentrated in Missouri, and by industry in Manufacturing.
Is The Central Trust Bank an SBA Preferred Lender (PLP)?
The loan record shows The Central Trust Bank operating under PLP delegated authority: 218 of its 7(a) loans (24.7%) were processed through the Preferred Lenders Program, including 61 in FY2024–2026. The SBA grants and renews PLP status and publishes no public roster, so this is the processing record, not a certification.
This page is the public view of your institution's SBA record: rank, trajectory, and market position, computed from the complete public 7(a)/504 dataset. The full competitive picture (your share against named competitors by state and industry, and the growing markets you're absent from) is available to your team.
Request your institution's benchmarking →Mario Bailey. (2026). The Central Trust Bank SBA lending profile. SBA Loan Index. https://sbaloanindex.com/lenders/the-central-trust-bank/
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