Central Bank & Trust Company
BankRegReports is independent of Central Bank & Trust Company and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
Central Bank & Trust Company is an FDIC-insured commercial bank headquartered in Lexington, KY, established in 1938 (FDIC certificate 15815), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $4.01B, up 6.4% from Q2 2025, the 4th largest of 120 banks headquartered in Kentucky. Its CET1 capital ratio was 15.12% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 15815
- Headquarters
- Lexington, KY
- Established
- 1938
- Total assets, Q2 2026
- $4.01B
- Assets vs Q2 2025
- +6.4%
- CET1 ratio, Q2 2026
- 15.12%
- Domestic offices
- 29 FDIC institution directory, current count
- Routing number
- 042100146
- Latest call report
- Q2 2026, FFIEC 041 · Central Bank & Trust Company call report
- Holding company
- CENTRAL BANCSHARES, INC.
- Asset rank in state
- 4th of 120 in Kentucky
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 0.21% and a Texas ratio of 1.23%. The figures come from its call report filed with the FFIEC.
Of the 120 banks headquartered in Kentucky, Central Bank & Trust Company is the 4th largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 0.5% to $4.01B, loans rose 2.5% and deposits rose 0.2%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 26.3% of total loans, ahead of non-owner-occupied commercial real estate loans at 24.9%. Its 29 offices in the FDIC Summary of Deposits are in 11 cities in KY; its Lexington 12 offices book 62% of its branch deposits. On its Q2 2026 call report, Central Bank & Trust Company meets every capital ratio test for well capitalized.
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)
- Domestic offices
- 29 FDIC institution directory, current count
- 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
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Central Bank & Trust Company's total assets ran between $3.44B (Q4 2023) and $4.01B (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$4.01B total assets against $3.77B; $3.51B total liabilities against $3.31B.
$2.98B net loans and leases against $2.83B; $3.12B total deposits against $2.94B.
$489.0M securities against $452.0M; $376.9M cash and balances due against $328.6M.
$52.3M total interest income against $48.7M; $13.0M total interest expense against $13.7M.
$39.3M net interest income against $35.0M.
$11.8M total noninterest income against $11.3M; $35.2M total noninterest expense against $31.9M.
-$648K provision for credit losses against $80K.
$13.0M net income against $11.6M.
1.30% return on assets against 1.22%; 4.11% net interest margin against 3.93%.
15.12% CET1 capital ratio against 14.42%; 12.42% tier 1 leverage ratio against 12.10%.
Inside the full Central Bank & Trust Company terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, 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
Its closest position to the top of a national ranking is 329 of 4,196, for total assets; its furthest is 2,635 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.99% (Q4 2025) to 1.30% (Q2 2026) and its net interest margin ran from 3.87% (Q3 2024) to 4.11% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 15.12% | 1.30% | 0.21% | 1.23% | 4.11% |
| Q1 2026 | 15.03% | 1.24% | 0.21% | 1.20% | 3.96% |
| Q4 2025 | 14.80% | 0.99% | 0.19% | 1.10% | 3.92% |
| Q3 2025 | 14.80% | 1.28% | 0.17% | 1.03% | 3.99% |
| Q2 2025 | 14.42% | 1.22% | 0.18% | 1.07% | 3.93% |
| Q1 2025 | 14.04% | 1.13% | 0.19% | 1.17% | 3.90% |
| Q4 2024 | 13.71% | 1.11% | 0.22% | 1.37% | 3.92% |
| Q3 2024 | 13.44% | 1.08% | 0.23% | 1.48% | 3.87% |
Swipe the table sideways to see every column.
Branch Network
View all 29 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| 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
Facts as filed or published, not a rating.
- 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).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
Add this badge to your website
Free to use. It shows Central Bank & Trust Company’s latest filed figures and updates each quarter.
Similar banks
Compare Central Bank & Trust Company with peers
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.
Where is Central Bank & Trust Company headquartered?
It is headquartered in Lexington, KY, United States.
When was Central Bank & Trust Company founded?
It was established in 1938, per the FDIC institution directory.
Is Central Bank & Trust Company FDIC-insured?
Yes. It 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.
What is Central Bank & Trust Company's CET1 capital ratio?
It 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?
It 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?
Its Texas Ratio is 1.23% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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.
Go deeper on Central Bank & Trust Company.
Get an email when Central Bank & Trust Company files its next call report, and benchmark it against any peer you choose.
Unlock Central Bank & Trust Company, freeFree account