# 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.

- CRD: 149262
- Filed as: CENTRAL TRUST BANK
- Legal name: The Central Trust Bank
- Registration: SEC-registered investment adviser (status as filed: Approved)
- Location: Jefferson City, MO
- Filing period: October 2026
- Form ADV filing dated: March 13, 2026
- SEC record (IAPD): https://adviserinfo.sec.gov/firm/summary/149262
- AdvisorCensus page: https://advisorcensus.com/firm/central-trust-bank-jefferson-city-mo-149262

## Quick answers

**How 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).

**How much does Central Trust Bank charge?**
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

### Compensation (Item 5.E)
- A percentage of assets under your management
- Fixed fees (other than subscription fees)

### Fees and minimums (Form ADV Part 2A brochure dated March 13, 2026)

- Asset-based fee: 1% of assets a year

> 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 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 brochure. Fees can differ by service and may be negotiable.

### Custodians (Schedule D, Section 5.K(3))
- Central Trust Company, a Division of the Central Trust Bank (affiliated with the firm)

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.

### Regulatory assets under management (Item 5.F)
- Total: $554,140,533
- Discretionary: $451,695,237
- Non-discretionary: $102,445,296

### Clients (Item 5.D)

| Client type | Clients | Assets |
| --- | --- | --- |
| Individuals (other than high net worth individuals) | 0 | Not reported |
| High net worth individuals | 0 | Not reported |
| Banking or thrift institutions | 0 | Not reported |
| Investment companies | 0 | Not reported |
| Business development companies | 0 | Not reported |
| Pooled investment vehicles (other than investment companies and business development companies) | 0 | Not reported |
| Pension and profit sharing plans (but not the plan participants or government pension plans) | 0 | Not reported |
| Charitable organizations | 2 | $24,990,384 |
| State or municipal government entities (including government pension plans) | 2 | $275,043,579 |
| Other investment advisers | 0 | Not reported |
| Insurance companies | 3 | $137,448,334 |
| Sovereign wealth funds and foreign official institutions | 0 | Not reported |
| Corporations or other businesses not listed above | 7 | $116,658,236 |
| Other | 0 | Not reported |

### Advisory services (Item 5.G)
- Portfolio management for businesses (other than small businesses) or institutional clients
- Selection of other advisers (including private fund managers)

### Firm details
- Registered since: 2009 (17 years)
- Employees: 4 total, 3 performing advisory functions
- Wrap fee program participation: No
- States registered or notice-filed: KS, MO, NE, TX
- Disclosures (Item 11): Reports no disclosure items on Form ADV Item 11.

### Other offices (Schedule D, Section 1.F), as of the April 2026 filing
- Columbia, MO
- Springfield, MO
- St. Louis, MO

## Assets and staff over time

| Data period | Regulatory assets under management | Employees | Filing dated |
| --- | --- | --- | --- |
| October 2021 | $541,019,084 | 4 | March 19, 2021 |
| October 2022 | $461,554,568 | 4 | September 12, 2022 |
| October 2023 | $448,698,012 | 4 | September 26, 2023 |
| October 2024 | $489,544,945 | 2 | August 6, 2024 |
| October 2025 | $508,626,859 | 4 | March 28, 2025 |
| October 2026 | $554,140,533 | 4 | March 13, 2026 |

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.

## 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).

## Source

Form ADV as filed, October 2026. Values appear as filed. Cite as: AdvisorCensus. Central Trust Bank (CRD 149262): Form ADV filing data as of October 2026.