{"citation":"The Central Trust Bank SBA loans. SBA Express Loans, Janover Capital LLC (data as of June 30, 2026). https://www.sbaexpress.loans/sba-express-lenders/the-central-trust-bank/ Source: SBA 7(a) and 504 FOIA loan-level data, as of June 30, 2026 (https://data.sba.gov/dataset/7a-504-foia).","url":"https://www.sbaexpress.loans/sba-express-lenders/the-central-trust-bank/","title":"The Central Trust Bank SBA loans","data_as_of":"2026-06-30","checked":null,"sources":[{"label":"SBA 7(a) and 504 FOIA loan-level data, as of June 30, 2026","url":"https://data.sba.gov/dataset/7a-504-foia"},{"label":"13 CFR § 120.214(d)","url":"https://www.ecfr.gov/current/title-13/section-120.214"},{"label":"SOP 50 10 8.1, Sec. B, Ch. 2, Para. B.1 (p. 126)","url":"https://legacy.sba.gov/sites/default/files/2026-10/SOP%2050%2010%208.1%20Technical%20Policy%20Updates%20effective%20%2010.1.2026.docx"},{"label":"SOP 50 10 8.1, Sec. B, Ch. 2, Para. C.2 (Para. C begins p. 127)","url":"https://legacy.sba.gov/sites/default/files/2026-10/SOP%2050%2010%208.1%20Technical%20Policy%20Updates%20effective%20%2010.1.2026.docx"},{"label":"FDIC BankFind: institution directory (headquarters and website)","url":"https://banks.data.fdic.gov/bankfind-suite/bankfind"}],"data":{"lender":{"name":"The Central Trust Bank","legal_name":"The Central Trust Bank","type":"bank","headquarters_city":"Jefferson City","headquarters_state":"MO","fdic_certificate":12633,"ncua_charter":null,"regulator_status":"active","website":"https://www.centralbank.net","rank_by_loans":211,"lenders_ranked":807},"window":{"id":"recent","from":"2023-10-01","to":"2026-06-30"},"loans":80,"dollars_approved":13383400,"median_loan":118050,"loan_25th_percentile":50000,"loan_75th_percentile":202550,"median_term_months":120,"median_starting_rate_pct":9.25,"median_starting_rate_window":{"id":"recent","from":"2023-10-01","to":"2026-06-30"},"median_spread_over_prime_points":1.25,"sba_express_share_pct":20.0,"line_of_credit_share_pct":18.8,"loans_by_size":{"$50,000 or less":21,"$50,001 to $150,000":36,"$150,001 to $350,000":11,"$350,001 to $500,000":9,"$500,001 to $1,000,000":null,"$1,000,001 to $2,000,000":0,"Over $2,000,000":0},"loans_by_business_age":{"In business more than 2 years":39,"In business 2 years or less":29,"Startup: the loan opens the business":11,"Change of ownership":null,"Not answered":0},"top_states":{"Missouri":78},"top_industries":{"Full-Service Restaurants":8,"Limited-Service Restaurants":5},"loans_by_fiscal_year":{"2020":31,"2021":55,"2022":50,"2023":55,"2024":35,"2025":35,"2026":10},"charge_offs":{"loans_approved_in":"FY2020 to FY2022","loans":136,"charged_off_pct_of_loans":6.6,"charged_off_pct_of_dollars":2.1},"all_lenders":{"median_loan":150300,"median_spread_over_prime_points":2.75,"sba_express_share_pct":35.8,"line_of_credit_share_pct":28.1,"charged_off_pct_of_loans":3.6},"note":"Null means fewer than 5 loans. Loans SBA approved only: the file has no denials."}}