BanksCENTRAL BANK & TRUST COMPANY

CENTRAL BANK & TRUST COMPANY

LEXINGTON, KYLargeEst. April 15, 1938, midnightFDIC #15815RSSD #1007015FDIC
Latest · 2025-12-31

CENTRAL BANK & TRUST COMPANY is an 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%. CET1 capital ratio: 14.80%, well above regulatory minimums. NPL ratio: 0.16% · Texas Ratio: 0.92%. Operates 28 domestic branches.

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 Margin4.08%
Yield on Assets5.64%
Cost of Funds1.81%

Asset Quality

NPL Ratio0.16%
Net Charge-Off Ratio0.04%
Texas Ratio0.92%
NPA Ratio0.12%
ACL / Loans1.01%

Capital & Liquidity

CET1 Ratio14.80%
Tier 1 Capital14.80%
Total Capital Ratio15.81%
Leverage Ratio12.04%
Loan-to-Deposit95.07%

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