AdvisorCensus / Financial advisors / Missouri / Jefferson City / Central Trust Bank
Central Trust Bank
Filed as CENTRAL TRUST BANK · Legal name The Central Trust Bank
Central Trust Bank is an SEC-registered investment advisory firm in Jefferson City, MO, registered since 2009, reporting $500 million to $1 billion in regulatory assets under management in its Form ADV filing dated March 13, 2026.
Quick answers
From the filingHow is Central Trust Bank compensated?
On its Form ADV (Item 5.E, October 2026), Central Trust Bank reports these compensation arrangements: a percentage of assets under its management; fixed fees (other than subscription fees).
What does Central Trust Bank's brochure say about its fees?
Its Form ADV Part 2A brochure dated March 13, 2026 states: Asset-based fee: 1% of assets a year. Fees can differ by service and may be negotiable; the brochure is the complete statement.
Where is Central Trust Bank located?
Central Trust Bank's principal office is in Jefferson City, MO, according to its Form ADV; the April 2026 filing also lists 3 other offices (Schedule D, Section 1.F).
Is Central Trust Bank registered with the SEC or a state?
Central Trust Bank is an SEC-registered investment advisory firm, registered since 2009. Status as filed: Approved. CRD 149262.
How much does Central Trust Bank manage?
Central Trust Bank reports $554,140,533 in regulatory assets under management in its Form ADV filing dated March 13, 2026 (82% discretionary).
How have Central Trust Bank's assets and staff changed since 2021?
In the Form ADV data for Central Trust Bank: Regulatory assets under management: $541,019,084 in the October 2021 data and $554,140,533 in the October 2026 data, up 2%. Total employees: 4 in October 2021 and 4 in October 2026. Assets under management move with markets as well as with clients coming and going.
What types of clients does Central Trust Bank serve?
By number of clients on Form ADV Item 5.D: corporations or other businesses not listed above (7); insurance companies (3); charitable organizations (2).
Which custodians does Central Trust Bank use?
Central Trust Bank's most recent Form ADV filing (Schedule D, Section 5.K(3)) lists Central Trust Company, a Division of the Central Trust Bank (affiliated with the firm) as a custodian holding 10% or more of its separately managed account assets.
Does Central Trust Bank report any disciplinary disclosures?
Reports no disclosure items on Form ADV Item 11. The detail of any item is on the firm's SEC record: https://adviserinfo.sec.gov/firm/summary/149262
Does Central Trust Bank state an account minimum?
Its Form ADV Part 2A brochure dated March 13, 2026 says: "The Adviser does not generally impose a minimum annual fee or minimum asset level however, it may, in its sole discretion, charge a lower fee based on factors such as anticipated future earning capacity, expected future additional assets, related accounts, account composition, or negotiations with the client."
What changed in Central Trust Bank's recent Form ADV filings?
In the April 2026 filing data: Added an office in St. Louis, MO. Updated its list of owners and control persons (Schedule A).
From the Form ADV filing
Every figure below is as the firm filed it with regulators, as of October 2026.
How the firm is compensated
Item 5.E- A percentage of assets under your management
- Fixed fees (other than subscription fees)
Item 5.E lists how the firm is compensated for its advice; Items 5.B, 6.A, and 7.A show whether its people or related companies can also earn commissions. Percentage of assets, fixed, hourly, subscription, and performance-based fees come from clients (a performance-based fee depends on investment results); commissions come with a sale or a trade, often from the company behind the product. How fees, commissions, and other arrangements differ
Fees and minimums
Form ADV Part 2AAsset-based fee: 1% of assets a year
The brochure's wording
The Adviser’s standard advisory fee is generally 1.00%.
Clients who engage the Adviser for discretionary or non-discretionary investment advisory services will pay an annual advisory fee based on a percentage of the average daily market value and type of assets under management.
Account minimum: None (the brochure says it may be waived or negotiated)
The brochure's wording
The Adviser does not generally impose a minimum annual fee or minimum asset level however, it may, in its sole discretion, charge a lower fee based on factors such as anticipated future earning capacity, expected future additional assets, related accounts, account composition, or negotiations with the client.
As stated in the firm's Form ADV Part 2A brochure dated March 13, 2026. Fees can differ by service and may be negotiable; the brochure is the complete statement. Read the brochure on the SEC's IAPD site
Regulatory assets under management
Item 5.F$554,140,533 as of October 2026, filing dated March 13, 2026.
A measure of scale, not skill or returns. Discretionary means the firm decides trades; non-discretionary means clients approve each one. What assets under management means
Who the firm serves
Item 5.DA firm with no individual clients is an institutional manager even if it manages billions; the mix tells you whom the practice is built around.
Advisory services
Item 5.G- Portfolio management for businesses (other than small businesses) or institutional clients
- Selection of other advisers (including private fund managers)
Registration and firm details
Items 1, 2, 5- Legal name
- The Central Trust Bank
- Registration
- SEC-registered investment adviser. Status as filed: Approved.
- Registered since
- 2009 (17 years)
- Employees
- Total: 4. Performing investment advisory functions: 3.
- Wrap fee program participation
- No.
- Custodians (Schedule D, Section 5.K(3))
-
Custodians holding 10% or more of the firm's separately managed account assets, as filed on Form ADV (Schedule D, Section 5.K(3)). A custodian holds client assets; it does not endorse or supervise the firm. AdvisorCensus has no relationship with any custodian.
- Other offices (Schedule D, Section 1.F)
-
3 other offices, as of the April 2026 filing
- States registered or notice-filed
-
4 states or jurisdictions
SEC-registered investment advisers are examined by the SEC. SEC, state, and exempt registration
Disclosures
Item 11None Reports no disclosure items on Form ADV Item 11. View on IAPD.
Item 11 asks about criminal, regulatory, and civil events involving the firm and its advisory personnel. The detail of each yes answer is on the IAPD record. Reading a firm's disclosures
Assets and staff over time
Items 5.A, 5.F| Data period | Assets under management | Employees | Filing dated |
|---|---|---|---|
| October 2026 | $554,140,533 | 4 | March 13, 2026 |
| October 2025 | $508,626,859 | 4 | March 28, 2025 |
| October 2024 | $489,544,945 | 2 | August 6, 2024 |
| October 2023 | $448,698,012 | 4 | September 26, 2023 |
| October 2022 | $461,554,568 | 4 | September 12, 2022 |
| October 2021 | $541,019,084 | 4 | March 19, 2021 |
Regulatory assets under management: $541,019,084 in the October 2021 data and $554,140,533 in the October 2026 data, up 2%.
Total employees: 4 in October 2021 and 4 in October 2026.
As filed in each year's data for the same month. Assets under management move with markets as well as with clients coming and going; they measure scale, not skill or returns. Most firms update these figures once a year.
Changes in the filing
Last 12 months- April 2026
- Added an office in St. Louis, MO.
- Updated its list of owners and control persons (Schedule A).
Compared month to month from the SEC's monthly adviser data and the state compilation feed. Owners and control persons are summarized, never named.
Websites listed on Form ADV
Item 1.INot reported.
Source: Form ADV, as of October 2026. Values appear as filed; a value the firm did not report is shown as "Not reported."
Cite this page
AdvisorCensus. Central Trust Bank (CRD 149262): Form ADV filing data as of October 2026. https://advisorcensus.com/firm/central-trust-bank-jefferson-city-mo-149262