Central Bank & Trust Company: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
Little in Central Bank & Trust Company's latest call report stands out. Its balance sheet stood at $4.0 billion at June 30, 2026, up 6.4% from a year earlier; it is based in Lexington, Kentucky. On most measures it sits near the middle of the 895 banks with $1 billion to $10 billion in assets.
Net income for the quarter rose 13% from a year earlier, to $13 million. Costs are the weak spot: it spends about 69 cents to bring in each dollar of revenue, higher than about three-quarters of banks its size (median 58 cents).
As of June 30, 2026, Central Bank & Trust Company reported a CET1 capital ratio of 15.12%, a return on assets of 1.30%, a nonperforming-loan ratio of 0.55% and a Texas ratio of 1.23%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 300 W Vine St, Lexington, KY 40507
- County
- Fayette
- Metro Area
- Lexington-Fayette, KY
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- No
- Federal Reserve district
- District 4, Cleveland
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- April 15, 1938
- Former names
- Central Bank & Trust Co. (2025)
- Offices
- 29 domestic
- Employees (FTE)
- 525
- Domestic deposits
- $3.12B
- Allowance for credit losses
- $29.3M
- Net charge-offs (YTD)
- -$524K
- Average total assets
- $4.01B
- Average total loans
- $2.96B
- Average interest-bearing deposits
- $1.99B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- April 30, 1941
- FDIC Cert
- 15815
- Fed RSSD
- 1007015
- SEC CIK
- 914068 → filed by CENTRAL BANCSHARES, INC.
- Website
- www.centralbank.com →
- Parent Holding Company
- CENTRAL BANCSHARES, INC. (RSSD 2158156)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Central Bank & Trust Company terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Central Bank & Trust Company, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Central Bank & Trust Company rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 15.12% | 1.30% | 0.55% | 1.23% | 4.11% |
| Q1 2026 | 15.03% | 1.24% | 0.64% | 1.20% | 3.96% |
| Q4 2025 | 14.80% | 0.99% | 0.73% | 1.10% | 3.92% |
| Q3 2025 | 14.80% | 1.28% | 0.75% | 1.03% | 3.99% |
| Q2 2025 | 14.42% | 1.22% | 0.19% | 1.07% | 3.93% |
| Q1 2025 | 14.04% | 1.13% | 0.21% | 1.17% | 3.90% |
| Q4 2024 | 13.71% | 1.11% | 0.24% | 1.37% | 3.92% |
| Q3 2024 | 13.44% | 1.08% | 0.24% | 1.48% | 3.87% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 29 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Central Bank & Trust Co. | Lexington , KY | 40507 | $1.05B |
| Turfway Road Branch | Florence , KY | 41042 | $230.3M |
| Harrodsburg Road Branch | Lexington , KY | 40503 | $149.9M |
| Nicholasville Branch | Nicholasville , KY | 40356 | $131.4M |
| Georgetown Branch | Georgetown , KY | 40324 | $122.9M |
| Richmond Branch | Richmond , KY | 40475 | $114.5M |
| Hurstbourne Plaza Branch | Louisville , KY | 40222 | $109.8M |
| Richmond Road Branch | Lexington , KY | 40502 | $109.3M |
| Southland Branch | Lexington , KY | 40503 | $90.4M |
| Tates Creek Centre Branch | Lexington , KY | 40517 | $78.2M |
| Fort Mitchell Branch | Fort Mitchell , KY | 41011 | $74.1M |
| Tates Creek Road Branch | Lexington , KY | 40502 | $73.2M |
| North Maple Branch | Winchester , KY | 40391 | $68.5M |
| Versailles Road Branch | Lexington , KY | 40504 | $67.3M |
| Nicholasville Road Branch | Lexington , KY | 40517 | $64.3M |
| Andover Banking Center Branch | Lexington , KY | 40509 | $64.1M |
| Sir Barton Branch | Lexington , KY | 40509 | $61.4M |
| Pioneer Drive | Winchester , KY | 40391 | $61.4M |
| North Park Branch | Lexington , KY | 40511 | $61.2M |
| Eastland Banking Center | Lexington , KY | 40505 | $53.8M |
| Georgetown Branch - Connector Road | Georgetown , KY | 40324 | $43.6M |
| Keene Road Branch | Nicholasville , KY | 40356 | $39.4M |
| Berea Branch | Berea , KY | 40403 | $37.1M |
| Union Branch | Union , KY | 41091 | $35.4M |
| Crestview Hills Branch | Crestview Hills , KY | 41017 | $35.0M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| June 1, 2017 | M&A | Acquired Central Bank of Jefferson County merger for the acquired bank | SEC |
| June 1, 2017 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 1, 2017 | Structure Change | Acquired Central Bank of Jefferson County Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 18, 2011 | M&A | Acquired Central Bank, FSB merger for the acquired bank | SEC |
| January 18, 2011 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 18, 2011 | Structure Change | Acquired Central Bank, FSB Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 31, 1998 | M&A | Acquired Pioneer Federal Savings Bank merger for the acquired bank | SEC |
| August 31, 1998 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 31, 1998 | Structure Change | Acquired Pioneer Federal Savings Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 9 events.
Regulatory record
What the public regulatory sources show for Central Bank & Trust Company, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 2.5% of deposits in KY, rank 9 of 152 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 1,157 applications, 926 loans originated, $244.6M originated, across 13 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $925K approved, $925K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2024 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Central Bank & Trust Company
What are Central Bank & Trust Company's total assets?
As of the Q2 2026 filing, Central Bank & Trust Company reported total assets of $4.01 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Central Bank & Trust Company headquartered?
Central Bank & Trust Company is headquartered in Lexington, KY, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was Central Bank & Trust Company founded?
Central Bank & Trust Company was established in 1938, per the FDIC institution directory.
Is Central Bank & Trust Company FDIC-insured?
Yes. Central Bank & Trust Company is an FDIC-insured commercial bank (FDIC Certificate #15815). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Central Bank & Trust Company?
Central Bank & Trust Company's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Central Bank & Trust Company's CET1 capital ratio?
Central Bank & Trust Company reported a Common Equity Tier 1 (CET1) capital ratio of 15.12% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Central Bank & Trust Company operate?
Central Bank & Trust Company operates 29 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Central Bank & Trust Company's Texas Ratio?
Central Bank & Trust Company's Texas Ratio is 1.23% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was Central Bank & Trust Company previously called?
The charter now named Central Bank & Trust Company has also operated as Central Bank & Trust Co. (2025), per FDIC structure-change records.
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