Capital Adequacy

12 Months Ended

Dec. 31, 2025

Deferred Costs, Capitalized, Prepaid, and Other Assets Disclosure [Abstract]

Capital Adequacy

Capital Adequacy

Quantitative measures established by regulation to ensure capital adequacy require banks to maintain minimum amounts and ratios (set forth in the table below on a consolidated basis, amounts in thousands) of total and Tier 1 capital (as defined in the regulations) to risk-weighted assets, and of Tier 1 capital to average assets. At December 31, 2025, the Company met all capital requirements to which it is subject, and the Bank’s capital position exceeded the regulatory definition of well-capitalized.

The Basel III minimum required ratios for well-capitalized banks (under prompt corrective action provisions) are 6.5% for Tier 1 common capital, 8.0% for Tier I capital, 10.0% for Total capital and 5.0% for the leverage ratio.

A summary of the Company’s and the Bank’s capital ratios at December 31, 2025 and 2024 is as follows:

	As of December 31, 2025:
	Actual				Minimum capital adequacy requirement				Well-capitalized requirement
	Amount		Ratio		Amount		Ratio		Amount		Ratio
	(dollars in thousands)
Total risk-based capital (to risk-weighted assets):
Company	$	3,633,280	29.29	%	$	992,260	8.00	%	$	-	-	%
Central Trust Bank	1,742,888		14.09	%	989,246		8.00	%	1,236,557		10.00	%
Tier 1 capital (to risk-weighted assets):
Company	3,483,247		28.08	%	744,195		6.00	%	-		-	%
Central Trust Bank	1,592,855		12.88	%	741,934		6.00	%	989,246		8.00	%
Tier 1 common equity capital (to risk-weighted assets):
Company	3,483,247		28.08	%	558,146		4.50	%	-		-	%
Central Trust Bank	1,592,855		12.88	%	556,451		4.50	%	803,762		6.50	%
Tier 1 capital (to average assets):
Company	3,483,247		17.94	%	776,720		4.00	%	-		-	%
Central Trust Bank	1,592,855		8.21	%	776,286		4.00	%	970,358		5.00	%

	As of December 31, 2024:
	Actual				Minimum capital adequacy requirement				Well-capitalized requirement
	Amount		Ratio		Amount		Ratio		Amount		Ratio
	(dollars in thousands)
Total risk-based capital (to risk-weighted assets):
Company	$	3,083,839	24.88	%	$	991,777	8.00	%	$	-	-	%
Central Trust Bank	1,706,617		13.81	%	1,028,943		8.00	%	1,286,179		10.00	%
Tier 1 capital (to risk-weighted assets):
Company	2,929,055		23.63	%	743,833		6.00	%	-		-	%
Central Trust Bank	1,551,833		12.56	%	771,707		6.00	%	1,028,943		8.00	%
Tier 1 common equity capital (to risk-weighted assets):
Company	2,929,055		23.63	%	557,875		4.50	%	-		-	%
Central Trust Bank	1,551,833		12.56	%	578,781		4.50	%	836,016		6.50	%
Tier 1 capital (to average assets):
Company	2,929,055		15.69	%	746,578		4.00	%	-		-	%
Central Trust Bank	1,551,833		8.33	%	745,433		4.00	%	931,792		5.00	%