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.
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