Central Bank & Trust Company
Central Bank & Trust Company is the primary bank subsidiary of its parent holding company, headquartered in Lexington, KY. On its most recent Q1 2026 call report, Central Bank & Trust Company reported $4.0B in total assets against $3.1B in deposits. The bank posts a strong 1.24% ROA and 10.02% ROE. Capital is comfortably above regulatory minimums — CET1 ratio of 15.02% sits well above the 7% well-capitalized threshold. Asset quality is solid — 0.64% nonperforming loans and a 3.92% Texas Ratio. Its footprint covers 28 branches concentrated in Kentucky.
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
- Fed District
- 9
- Established
- April 15, 1938
- Branches
- 28 domestic
- Employees (FTE)
- 518
- FDIC Cert
- 15815
- Fed RSSD
- 1007015
- Website
- www.centralbank.com →
- Parent Holding Company
- CENTRAL BANCSHARES, INC. (RSSD 2158156)
Capital & Liquidity
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Central Bank & Trust Company rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 6 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
Branch Network
Every branch from the FDIC Summary of Deposits — mapped, and listed with the deposits booked at each location.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Loading branches… | |||
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.
- Structure ChangeCharter Discontinued (Merger or Purchase & Assumption)FFIEC NIC
- MergerParticipated in Absorption/Consolidation/MergerFDIC
- Structure ChangeCharter Discontinued (Merger or Purchase & Assumption)FFIEC NIC
- MergerParticipated in Absorption/Consolidation/MergerFDIC
- Structure ChangeCharter Discontinued (Merger or Purchase & Assumption)FFIEC NIC
- MergerParticipated in Absorption/Consolidation/MergerFDIC
Sourced from unified bank events (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 6 events.
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Frequently asked about Central Bank & Trust Company
What are Central Bank & Trust Company's total assets?
As of the Q1 2026 filing, Central Bank & Trust Company reported total assets of $3.99 billion in its most recent 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 required of all FDIC-insured commercial banks.
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 15.02% in its most recent quarterly filing — comfortably above the 7% well-capitalized regulatory floor.
How many branches does Central Bank & Trust Company operate?
Central Bank & Trust Company operates 28 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Central Bank & Trust Company's Texas Ratio?
Central Bank & Trust Company's Texas Ratio is 3.92% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.
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