CENTRAL BANK & TRUST COMPANY

LEXINGTON, KY | Large | Est. April 15, 1938, midnight | FDIC #15815 | RSSD #1007015 | FDIC
Latest Report: 2025-12-31

CENTRAL BANK & TRUST COMPANY is aln large FDIC-insured commercial bank headquartered in LEXINGTON, KY, established in April 15, 1938, midnight. As of 2025-12-31, the bank reported total assets of $3.9B and total deposits of $3.1B. Profitability stands at 1.00% ROA and 8.24% ROE, with a net interest margin of 4.08%. The bank's CET1 capital ratio is 14.80%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.16% and a Texas Ratio of 0.92%. FDIC Certificate #15815.

Assets

$3.9B

Deposits

$3.1B

Loans

$2.9B

Equity

$482M

Profitability

Return on Assets (ROA) 1.00%
Return on Equity (ROE) 8.24%
Net Interest Margin (NIM) 4.08%
Yield on Assets 5.64%
Cost of Funds 2.76%

Asset Quality

NPL Ratio 0.16%
Net Charge-Off Ratio 0.04%
Texas Ratio 0.92%
NPA Ratio 0.12%
ACL / Loans 1.01%

Capital & Liquidity

CET1 Ratio 14.80%
Tier 1 Capital 14.80%
Total Capital Ratio 15.81%
Leverage Ratio 12.04%
Loan-to-Deposit 95.07%

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