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Central Bank & Trust Company Locations & Branches Lexington, Kentucky
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Central Bank & Trust Company operates 29 branches from its headquarters in Lexington, KY, .
Central Bank & Trust Company branch network
All 29 branches are in KENTUCKY, across 11 cities. Lexington, KY has the most of its branches, 12. Its largest office by deposits is the Central Bank & Trust Co. office in Lexington, KY, with $1.05B (33.8% of its branch deposits). On June 30, 2025 it had 28 branches, 1 fewer than in 2026.
Central Bank & Trust Company at a glance
Its CET1 capital ratio was 15.12% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Total assets, Q2 2026
- $4.01B
- CET1 ratio, Q2 2026
- 15.12%
- Deposit insurance
- FDIC
- Regulator
- FDIC
- Latest call report
- Q2 2026, FFIEC 041
- Established
- 1938
Full financial profile · Is Central Bank & Trust Company safe? · Central Bank & Trust Company call report · Routing number
Deposit market share
Share of all FDIC-insured deposits held in each area, from the June 30, 2026 Summary of Deposits. Rank 1 is the largest holder. Shares are by bank charter, not by holding company.
| Area | Rank | Deposit share | Deposits |
|---|---|---|---|
| City: Lexington, KY (12 branches) | 2 of 30 | 16.0% | $1.93B |
| State: KY (29 branches) | 9 of 152 | 2.5% | $3.12B |
Ranked by total assets among banks headquartered in the state: Largest banks in Kentucky.
Share by county and metro area
Central Bank & Trust Company's share of FDIC-insured deposits in the counties and metro areas where it has branches, from the June 30, 2026 Summary of Deposits. Up to the ten largest of each are shown, by the bank's deposits. Rank 1 is the largest holder. Banks only: credit unions are not in the Summary of Deposits.
Counties
| County | Rank | Deposit share | Deposits | County total |
|---|---|---|---|---|
| Fayette, KY (12 branches) | 2 of 31 | 16.0% | $1.93B | $12.02B |
| Boone, KY (2 branches) | 7 of 17 | 6.5% | $265.7M | $4.08B |
| Jefferson, KY (4 branches) | 14 of 28 | 0.6% | $197.7M | $32.83B |
| Jessamine, KY (2 branches) | 2 of 11 | 17.9% | $170.8M | $953.6M |
| Scott, KY (2 branches) | 3 of 10 | 16.6% | $166.5M | $1.00B |
| Madison, KY (3 branches) | 7 of 17 | 7.6% | $152.3M | $1.99B |
| Clark, KY (2 branches) | 4 of 9 | 13.7% | $129.9M | $947.3M |
| Kenton, KY (2 branches) | 9 of 18 | 2.6% | $109.1M | $4.22B |
Metro areas
| Metro area | Rank | Deposit share | Deposits | Metro total |
|---|---|---|---|---|
| Lexington-Fayette, KY (18 branches) | 1 of 36 | 14.9% | $2.40B | $16.02B |
| Cincinnati, OH-KY-IN (4 branches) | 24 of 55 | 0.2% | $374.8M | $187.51B |
| Louisville-Jefferson County, KY-IN (4 branches) | 20 of 39 | 0.4% | $197.7M | $46.36B |
| Richmond-Berea, KY (3 branches) | 8 of 18 | 7.0% | $152.3M | $2.17B |
| 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 |
| Waterfront Plaza Branch | Louisville, KY | 40202 | $33.7M |
| Taylorsville Rd Branch | Louisville, KY | 40220 | $30.6M |
| Outer Loop Brnch | Louisville, KY | 40219 | $23.6M |
| Spring House Branch | Richmond, KY | 40475 | $656K |
Source: FDIC Summary of Deposits, June 30, 2026. How the survey works.
Regulator records: FDIC BankFind (cert 15815) · FFIEC NIC profile (RSSD 1007015)