Bank call report · Lexington, KY
Central Bank & Trust Company Call Report
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Central Bank & Trust Company filed its latest call report for the quarter ended June 30, 2026 on the FFIEC 041. Below are its 500 reported line items, schedule by schedule (845 items filed as zero are left out). The official PDF is on the FFIEC Central Data Repository.
| Call report form | FFIEC 041 |
|---|---|
| Latest quarter filed | Q2 2026 (June 30, 2026) |
| Federal Reserve RSSD ID | 1007015 |
| FDIC certificate number | 15815 |
| Total assets | $4.01B |
Official Q2 2026 call report PDF (FFIEC) →
Central Bank & Trust Company call report by schedule, Q2 2026
Dollar amounts are as filed, in the units the form uses. Each line item links to its definition; each schedule links to the full schedule reference for the FFIEC 041.
Schedule RC: Balance Sheet (30 items)
About Schedule RC · Central Bank & Trust Company balance sheet trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Assets | RCON2170 | $4.01B |
| Total Liabilities, Limited-life Preferred Stock, and Equity Capital | RCON3300 | $4.01B |
| Total Liabilities and Minority Interest | RCON2948 | $3.51B |
| Total Deposits | RCON2200 | $3.12B |
| Loans and Leases, Net of Unearned Income - Totals | RCONB528 | $3.01B |
| Loans and Leases, Net of Unearned Income and Allowance | RCONB529 | $2.98B |
| Total Interest-bearing Deposits in Foreign and Domestic Offices | RCON6636 | $1.98B |
| Deposits: Noninterest-bearing | RCON6631 | $1.14B |
| Total Equity Capital | RCON3210 | $502.8M |
| Total Equity Capital Including Noncontrolling Minority Interests in Consolidated Subsidiaries | RCONG105 | $502.8M |
| Available-for-sale debt securities (from Schedule RC-B, column D) | RCON1773 | $485.8M |
| Undivided Profits and Capital Reserves | RCON3632 | $438.0M |
| Interest-bearing Balances | RCON0071 | $324.1M |
| Securities Sold Under Agreements to Repurchase | RCONB995 | $220.4M |
| Other Liabilities, Total | RCON2930 | $111.5M |
| Premises and Fixed Assets (Including Capitalized Leases) | RCON2145 | $88.9M |
| Surplus | RCON3839 | $69.6M |
| Other Borrowed Money | RCON3190 | $56.5M |
| Noninterest-bearing Balances and Currency and Coin | RCON0081 | $52.8M |
| Other Assets | RCON2160 | $43.3M |
| Allowance for Loan and Lease Losses | RCON3123 | $29.3M |
| Investments and Unconsolidated Subsidiaries and Associated Companies | RCON2130 | $14.7M |
| Intangible Assets | RCON2143 | $14.5M |
| Goodwill | RCON3163 | $14.3M |
| Accumulated Other Comprehensive Income | RCONB530 | -$8.4M |
| Loans and Leases Held for Sale | RCON5369 | $4.6M |
| Common Stock | RCON3230 | $3.5M |
| Held to maturity securities (ASU 2016-13 adoption) | RCONJJ34 | $3.2M |
| Held-to-maturity Securities, Total | RCON1754 | $3.2M |
| Federal Funds Purchased in Domestic Offices | RCONB993 | $500K |
Schedule RI: Income Statement (51 items)
About Schedule RI · Central Bank & Trust Company income statement trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Interest Income | RIAD4107 | $102.4M |
| Interest and Fee Income on Loans, Total | RIAD4010 | $86.8M |
| Net Interest Income | RIAD4074 | $76.4M |
| Total Noninterest Expense | RIAD4093 | $69.9M |
| Interest and Fee Income on All Other Loans Secured by Real Estate | RIAD4436 | $50.6M |
| Salaries and Employee Benefits | RIAD4135 | $34.9M |
| Income (Loss) Before Applicable Income Taxes and Discontinued Operations | RIAD4301 | $31.6M |
| Income (loss) before change in net unrealized holding gains (losses) on equity securities not held for trading, applicable income taxes, and discontinued operations operations (item 3 plus or minus items 4, 5.m, 6.a, 6.b, and 7.e) | RIADHT69 | $31.6M |
| Other Noninterest Expense | RIAD4092 | $27.2M |
| Total Interest Expense | RIAD4073 | $26.0M |
| Income (Loss) Before Discontinued Operations | RIAD4300 | $25.2M |
| Net Income (Loss) | RIAD4340 | $25.2M |
| Net Income (Loss) Attributable to Bank and Noncontrolling Minority Interests | RIADG104 | $25.2M |
| Total Noninterest Income | RIAD4079 | $23.9M |
| Interest and Fee Income on Loans Secured by 1-4 Family Residential Properties | RIAD4435 | $21.4M |
| Interest and Fee Income on Commercial and Industrial Loans | RIAD4012 | $11.4M |
| Other Noninterest Income | RIADB497 | $9.0M |
| Expenses of Premises and Fixed Assets | RIAD4217 | $7.7M |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of 250000 or Less | RIADHK03 | $7.0M |
| Interest Income on Balances Due from Depository Institutions | RIAD4115 | $6.9M |
| Savings Deposits (Including Mmdas) | RIAD0093 | $6.8M |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of More Than 250000 | RIADHK04 | $6.8M |
| Applicable Income Taxes | RIAD4302 | $6.4M |
| Interest and Dividend Income on Securities: U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RIADB488 | $3.7M |
| Income from Other Insurance and Reinsurance Activities | RIADC387 | $3.6M |
| Interest and Dividend Income on Securities: Mortgage-backed Securities | RIADB489 | $3.1M |
| Service Charges on Deposit Accounts in Domestic Offices | RIAD4080 | $3.0M |
| Interest on Transaction Accounts (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) | RIAD4508 | $2.5M |
| Expense of Federal Funds Purchased and Securities Sold Under Agreements to Repurchase | RIAD4180 | $1.9M |
| Interest on Other Securities | RIAD4060 | $1.7M |
| Interest and Fee Income on All Other Loans in Domestic Offices | RIAD4058 | $1.6M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADB486 | $1.5M |
| Income from the Sale and Servicing of Mutual Funds and Annuities (in Domestic Offices) | RIAD8431 | $1.5M |
| Service Charges on Deposits in Domestic Office Overdraft Related for Individuals | RIADH032 | $1.4M |
| Fees and Commissions from Securities Brokerage | RIADC886 | $1.2M |
| Provisions for Credit Losses on Financial Assets | RIADJJ33 | -$1.2M |
| Service Charges on Deposits in Domestic Office All Other | RIADH035 | $1.1M |
| Estimated Income on Tax-exempt Loans and Leases to States and Political Subdivisions in the U.S. | RIAD4313 | $1.1M |
| Interest on Trading Liabilities and Other Borrowed Money | RIAD4185 | $1.0M |
| Provision for Loan and Lease Losses | RIAD4230 | -$707K |
| Net Gains (Losses) on Sales of Loans | RIAD5416 | $643K |
| Service Charges on Deposits in Domestic Office Maintenance for Individuals | RIADH033 | $319K |
| Loans to Individuals for Households, Family, and Other Personal Expenditures: Credit Cards | RIADB485 | $316K |
| Other Interest Income | RIAD4518 | $206K |
| Fees and Commissions from Annuity Sales | RIADC887 | $186K |
| Service Charges on Deposits in Domestic Office Atm-related for Individuals | RIADH034 | $167K |
| Interest Expense Incurred to Carry Tax-exempt Securities, Loans, and Leases Acquired After August 7, 1986, That Is Not Deductible for Federal Income Tax Purposes | RIAD4513 | $63K |
| Interest and Fee Income on Loans to Finance Agricultural Production and Other Loans to Farmers in Domestic Offices | RIAD4024 | $63K |
| Net Servicing Fees | RIADB492 | $38K |
| Net Gains (Losses) on Sales of Other Assets (Excluding Securities) | RIADB496 | $1K |
| Number of Full Time Equivalent Employees on Payroll at End of Current Period | RIAD4150 | 525 |
Schedule RC-A: Cash and Balances Due from Depository Institutions (5 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Cash and Balances Due from Depository Institutions | RCON0010 | $376.9M |
| Balances Due from Federal Reserve Banks | RCON0090 | $323.4M |
| Currency and Coin | RCON0080 | $26.6M |
| Cash Items in Process of Collection and Unposted Debits | RCON0020 | $25.8M |
| Balances Due from Depository Institutions in the U.S. | RCON0082 | $1.1M |
Schedule RC-B: Securities (41 items)
About Schedule RC-B · Central Bank & Trust Company securities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Guaranteed by GNMA: Available-for-sale Amortized Cost | RCONG302 | $426K |
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Guaranteed by GNMA: Available-for-sale Fair Value | RCONG303 | $430K |
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Guaranteed by GNMA: Held-to-maturity Amortized Cost | RCONG300 | $914K |
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Guaranteed by GNMA: Held-to-maturity Fair Value | RCONG301 | $816K |
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Issued by FNMA and FHLMC: Available-for-sale Amortized Cost | RCONG306 | $2.1M |
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Issued by FNMA and FHLMC: Available-for-sale Fair Value | RCONG307 | $2.1M |
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Issued by FNMA and FHLMC: Held-to-maturity Amortized Cost | RCONG304 | $354K |
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Issued by FNMA and FHLMC: Held-to-maturity Fair Value | RCONG305 | $349K |
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Available-for-sale Amortized Cost | RCONG314 | $141.6M |
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Available-for-sale Fair Value | RCONG315 | $133.1M |
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Held-to-maturity Amortized Cost | RCONG312 | $1.9M |
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Held-to-maturity Fair Value | RCONG313 | $1.8M |
| Total Amortized Cost of Available-for-sale Securities | RCON1772 | $494.9M |
| Pledged Securities | RCON0416 | $397.0M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Three Months of Less | RCONA549 | $209.3M |
| Fixed Rate and Floating Rate Debt Securities with a Remaining Maturity of One Year or Less | RCONA248 | $208.2M |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Amortized Cost | RCONHT52 | $126.1M |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Fair Value | RCONHT53 | $125.7M |
| Amortized Cost of Available-for-sale U.S. Treasury Securities | RCON1286 | $118.8M |
| Fair Value of Available-for-sale U.S. Treasury Securities | RCON1287 | $118.5M |
| OTHER MORTGAGE-BACKED SECURITIES (INCLUDE CMOs, REMICs, AND STRIPPED MBS) WITH AN EXPECTED AVERAGE LIFE OF OVER THREE YEARS | RCONA562 | $111.6M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONA550 | $91.1M |
| Fair Value of Other Available-for-sale Domestic Debt Securities | RCON1741 | $61.8M |
| Amortized Cost of Other Available-for-sale Domestic Debt Securities | RCON1739 | $60.2M |
| OTHER MORTGAGE-BACKED SECURITIES (INCLUDE CMOs, REMICs, AND STRIPPED MBS) WITH AN EXPECTED AVERAGE LIFE OF THREE YEARS OR LESS | RCONA561 | $49.7M |
| Mortgage-backed Securities (Mbs):commercial MBS: Other Commercial MBS :Issued or Guaranteed by Fnma,fhlmc or GNMA: Available-for-sale Amortized Cost | RCONK152 | $27.8M |
| Mortgage-backed Securities (Mbs):commercial MBS: Other Commercial MBS :Issued or Guaranteed by Fnma,fhlmc or GNMA: Available-for-sale Fair Value | RCONK153 | $26.3M |
| Mortgage-backed Securities (Mbs):commercial MBS: Commercial Mortgage Pass-through Securities:issued or Guaranteed by Fnma,fhlmc or GNMA: Available-for-sale Amortized Cost | RCONK144 | $10.3M |
| Mortgage-backed Securities (Mbs):commercial MBS: Commercial Mortgage Pass-through Securities:issued or Guaranteed by Fnma,fhlmc or GNMA: Available-for-sale Fair Value | RCONK145 | $10.2M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through Fifteen Years | RCONA553 | $9.5M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONA551 | $9.2M |
| Asset-backed securities and structured financial products, Structured financial products, Available for sale, Amortized Cost | RCONHT60 | $7.6M |
| Structured financial products guaranteed by U.S. Government agencies or sponsored agencies included in Schedule HC-B, item 5.b -- Available-for-sale: Amortized Cost | RCONPV00 | $7.6M |
| Asset-backed securities and structured financial products, Structured financial products, Available for sale, Fair Value | RCONHT61 | $7.5M |
| Guaranteed by U.S. Government Agencies or Sponsored Agencies Included in Schedule Rc-b, Item 5.B - Available-for-sale, Fair Value | RCONPV01 | $7.5M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Years Through Five Years | RCONA552 | $4.6M |
| Total Fair Value of Held-to-maturity Securities | RCON1771 | $3.0M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONA555 | $1.7M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over 15 Years | RCONA560 | $1.3M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONA556 | $429K |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONA557 | $354K |
Schedule RC-C, Part I: Loans and Leases (44 items)
About Schedule RC-C, Part I · Central Bank & Trust Company loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Leases, Net of Unearned Income | RCON2122 | $3.01B |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA570 | $1.10B |
| Pledged Loans and Leases | RCONG378 | $1.08B |
| Loans Secured by Other Nonfarm Nonresidential Properties. | RCONF161 | $751.3M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by First Liens | RCON5367 | $621.3M |
| Fixed Rate and Floating Rate Loans and Leases with a Remaining Maturity of One Year or Less | RCONA247 | $615.3M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA572 | $557.6M |
| Loans Secured by Owner Occupied Nonfarm Nonresidential Properties | RCONF160 | $377.2M |
| Real Estate Loans Secured by Multi-family (5 or More) Residential Properties | RCON1460 | $343.6M |
| Commercial and Industrial Loans | RCON1766 | $336.8M |
| Commercial and Industrial Loans to U.S. Addressees | RCON1763 | $336.8M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years | RCONA569 | $332.0M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA573 | $295.4M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA571 | $242.3M |
| Loans Secured by Other Construction Loans and All Land Development and Other Land Loans | RCONF159 | $216.3M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA574 | $193.0M |
| Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit | RCON1797 | $153.2M |
| Adjustable Rate Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties | RCON5370 | $101.3M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA568 | $82.8M |
| Loans Secured by 1-4 Family Residential Construction | RCONF158 | $69.5M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA566 | $57.7M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA564 | $55.6M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA565 | $52.8M |
| Obligations (Other Than Securities and Leases) of States and Political Subdivisions in the U.S. | RCON2107 | $44.7M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA567 | $37.4M |
| Other Loans | RCONJ464 | $22.5M |
| Real Estate Loans Secured by Farmland | RCON1420 | $22.1M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by Junior Liens | RCON5368 | $18.7M |
| Automobile Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper) | RCONK137 | $16.9M |
| Loans to Nondepository Financial Institutions and Other Loans: Other Loans: All Other Loans (Exclude Consumer Loans) | RCONJ451 | $11.3M |
| Loans for purchasing or carrying securities, including margin loans | RCON1545 | $11.3M |
| Total Loan Modifications to Borrowers Experiencing Financial Difficulty That Are in Compliance with Their Modified Terms | RCONHK25 | $11.1M |
| Other Consumer Loans to Individuals for Household, Family, and Other Personal Expenditures (Includes Single Payment, Installment, and All Student Loans) | RCONK207 | $10.9M |
| Loan Modifications to Borrowers Experiencing Financial Difficulty - Commercial and Industrial Loans | RCONK256 | $10.7M |
| Loan Modifications to Borrowers Experiencing Financial Difficulty - Commercial and Industrial Loans: to U.S. Addressees (Domicile) | RCONK163 | $10.7M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper): Credit Cards | RCONB538 | $8.7M |
| Unearned Income on Loans | RCON2123 | $3.1M |
| Loans to Nondepository Financial Institutions and Other Loans: Loans to Nondepository Financial Institutions | RCONJ454 | $2.0M |
| Loans to Finance Agricultural Production and Other Loans to Farmers | RCON1590 | $1.2M |
| Revolving, open-end lines of credit secured by 1-4 family residential properties that have converted to non-revolving closed-end status that are included in item 1.c(1) above | RCONLE75 | $881K |
| Loans Secured by 1-4 Family Residential Properties in Domestic Offices in Process of Foreclosure (Included in Rc-c, Part I, Items 1.C.(1), 1.C.(2)(A), and 1.C.(2)(B) | RCONF577 | $803K |
| Loan Modifications to Borrowers Experiencing Financial Difficulty and in Compliance with Modified Terms: Loans Secured by 1-4 Family Residential Properties in Domestic Offices | RCONF576 | $309K |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years | RCONA575 | $240K |
| Loan Modifications to Borrowers Experiencing Financial Difficulty - Construction, Land Development, and Other Land Loans: Secured by Nonfarm Nonresidential Properties: Loans Secured by Other Nonfarm Nonresidential Properties | RCONK162 | $89K |
Schedule RC-C, Part II: Loans to Small Businesses and Small Farms (24 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5569 | $74.4M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5575 | $52.0M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5573 | $15.0M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5567 | $13.7M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5571 | $12.1M |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5583 | $4.1M |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5581 | $2.8M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5565 | $2.2M |
| Amount Currently Outstanding of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5587 | $521K |
| Amount Currently Outstanding of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5585 | $423K |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5579 | $353K |
| Amount Currently Outstanding of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5589 | $210K |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5570 | 401 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5568 | 209 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5574 | 161 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5572 | 155 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5566 | 121 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5564 | 54 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5580 | 25 |
| Number of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5584 | 16 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5582 | 14 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5578 | 9 |
| Number of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5586 | 4 |
| Number of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5588 | 2 |
Schedule RC-E: Deposit Liabilities (38 items)
About Schedule RC-E · Central Bank & Trust Company deposit liabilities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Nontransaction Accounts (Including Mmda's) | RCON2385 | $1.56B |
| Total Transaction Accounts | RCON2215 | $1.56B |
| Total Nontransaction Accounts Deposits of Individuals, Partnerships, and Corporations | RCONB550 | $1.51B |
| Total Transaction Accounts - Deposits of Individuals, Partnerships, and Corporation | RCONB549 | $1.48B |
| Total Demand Deposits (See Note Below) | RCON2210 | $1.14B |
| Money Market Deposit Accounts (Mmda's) | RCON6810 | $555.1M |
| Components of Total Nontransaction Accounts: Total Time Deposits of More Than $250,000 | RCONJ474 | $381.1M |
| Time Deposits of More Than $250,000 with a Remaining Maturity of One or Year Less | RCONK222 | $380.1M |
| Time Deposits of 250000 or Less with a Remaining Maturity of One Year or Less | RCONHK11 | $330.1M |
| Components of Total Transaction Account Deposits of Individuals, Partnerships, and Coporations: Total Deposits in Those Noninterest-bearing Transaction Account Deposit Products Intended Primarily for Individuals for Personal, Household, or Family Use | RCONP753 | $301.7M |
| Components of Total Nontransaction Account Deposits of Individuals, Partnerships and Corporations: Total Deposits in Those MMDA Deposit Products Intended Primarily for Individuals for Personal, Household, or Family Use | RCONP756 | $289.3M |
| Components of Total Transaction Account Deposits of Individuals, Partnerships, and Coporations: Total Deposits in Those Interest-bearing Transaction Account Deposit Products Intended Primarily for Individuals for Personal, Household, or Family Use | RCONP754 | $269.5M |
| Components of Total Nontransaction Account Deposits of Individuals, Partnerships and Corporations: Deposits in All Other Mmdas of Individuals, Partnerships and Corporations | RCONP757 | $265.7M |
| Other Nontransaction Savings Deposits (Excludes Mmda's) | RCON0352 | $234.0M |
| Components of Total Nontransaction Account Deposits of Individuals, Partnerships and Corporations: Total Deposits in Those Other Savings Deposit Account Deposit Products Intended Primarily for Individuals for Personal, Household, or Family Use | RCONP758 | $223.9M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK12 | $216.8M |
| Total Time Deposits of Less Than $100,000 | RCON6648 | $208.8M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK08 | $194.4M |
| Components of Total Nontransaction Accounts: Total Time Deposits of $100,000 Through $250,000 | RCONJ473 | $183.8M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK13 | $163.3M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK07 | $135.7M |
| Total Transaction Accounts - Deposits of States and Political Subdivisions in the U.S. | RCON2203 | $75.1M |
| Selected Components of Total Deposits, Brokered Deposits of 250000 or Less (Fully Insured Brokered Deposits) | RCONHK05 | $75.0M |
| Total Brokered Deposits | RCON2365 | $75.0M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK09 | $58.7M |
| Total Nontransaction Accounts of States and Political Subdivisions in the U.S. | RCON2530 | $55.1M |
| Selected Components of Total Deposits, Brokered Deposits of 250000 or Less with a Remaining Maturity of One Year or Less | RCONHK06 | $25.0M |
| Total reciprocal deposits | RCONJH83 | $22.7M |
| All Time and Savings Deposits Held in IRA and Keogh Plan Accounts | RCON6835 | $20.1M |
| Components of Total Nontransaction Account Deposits of Individuals, Partnerships and Corporations: Deposits in All Other Other Savings Deposits Accounts of Individuals, Partnerships and Corporations | RCONP759 | $10.1M |
| Individual Retirement Accounts (Iras) and Keogh Plan Accounts Included in Memorandum Item 2.C, 'Total Time Deposits of $100,000 or More,' Above | RCONF233 | $6.9M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Years | RCONHK10 | $4.0M |
| Total Transaction Accounts - Deposits of Commercial Banks and Other Depository Institutions in the U.S. | RCONB551 | $2.1M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK14 | $580K |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over Three Years | RCONHK15 | $402K |
| Total Nontransaction Accounts of Commercial Banks and Other Depository Institutions in the U.S. | RCONB552 | $244K |
| Total Nontransaction Accounts of United States Government | RCON2520 | $135K |
| Total Transaction Accounts - Deposits of U.S. Government | RCON2202 | $43K |
Schedule RC-F: Other Assets (5 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Net Deferred Tax Assets | RCON2148 | $14.7M |
| Accrued Interest Receivable | RCONB556 | $12.1M |
| Other Assets | RCON2168 | $10.6M |
| Prepaid Expenses | RCON2166 | $6.5M |
| Historical Cost of All Other Available-for-sale Equity Securities | RCON1752 | $5.9M |
Schedule RC-G: Other Liabilities (5 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| All Other Liabilities | RCON2938 | $93.1M |
| Operating lease liabilities | RCONLB56 | $68.6M |
| Other Expenses Accrued and Unpaid | RCON3646 | $13.3M |
| Interest Accrued and Unpaid on Deposits (in Domestic Offices) | RCON3645 | $2.6M |
| Allowance for Credit Losses on Off-balance Sheet Credit Exposures | RCONB557 | $2.5M |
Schedule RC-K: Quarterly Averages (19 items)
About Schedule RC-K · Central Bank & Trust Company quarterly averages trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Quarterly Average of Total Assets | RCON3368 | $4.01B |
| Quarterly Average of Total Loans | RCON3360 | $2.96B |
| Quarterly Average of All Other Loans Secured by Real Estate | RCON3466 | $1.71B |
| Quarterly Average of Loans Secured by 1-4 Family Residential Properties | RCON3465 | $797.7M |
| Nontransaction Accounts in Domestic Offices: Savings Deposits | RCONB563 | $783.7M |
| Transaction Accounts (in Domestic Offices) (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) - Quarterly Average | RCON3485 | $422.1M |
| Liabilities, Nontransaction Accounts, Time Deposits of 250000 or Less | RCONHK16 | $398.9M |
| Quarterly Average of Interest-bearing Balances Due from Depository Institutions | RCON3381 | $386.0M |
| Liabilities, Nontransaction Accounts, Time Deposits of More Than 250000 | RCONHK17 | $385.8M |
| Quarterly Average of Commercial and Industrial Loans | RCON3387 | $358.7M |
| U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RCONB558 | $254.4M |
| Quarterly Average of Federal Funds Purchased and Securities Sold Under Agreements to Repurchase | RCON3353 | $225.8M |
| Mortgage-backed Securities | RCONB559 | $171.2M |
| All Other Securities | RCONB560 | $60.2M |
| Quarterly Average of Other Borrowed Money | RCON3355 | $55.6M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other | RCONB562 | $28.8M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Credit Cards | RCONB561 | $6.5M |
| Quarterly Average of Loans to Finance Agricultural Production and Other Loans to Farmers | RCON3386 | $1.4M |
| Quarterly Average of Federal Funds Sold and Securities Purchased Under Agreements to Resell | RCON3365 | $23K |
Schedule RC-L: Derivatives and Off-Balance-Sheet Items (14 items)
About Schedule RC-L · Central Bank & Trust Company derivatives and off-balance-sheet items trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Commercial Real Estate, Other Construction Loan and Land Development Loan Commitments | RCONF165 | $568.0M |
| Unused Commitments - Revolving, Open-end Lines Secured by 1-4 Family Residential Properties | RCON3814 | $167.2M |
| Other Unused Commitments: Commercial and Industrial Loans | RCONJ457 | $164.7M |
| Year-to-date Merchant Credit Card Sales Volume: Sales for Which the Reporting Bank Is the Acquiring Bank | RCONC223 | $154.9M |
| All Other Off-balance Sheet Liabilities | RCON3430 | $111.5M |
| Standby Letters of Credit Issued by a Federal Home Loan Bank on the Bank's Behalf | RCONC978 | $111.5M |
| Unused Commitments - Credit Card Lines | RCON3815 | $59.2M |
| Credit Card Lines: Unused Consumer Credit Card Lines | RCONJ455 | $32.4M |
| Credit Card Lines: Other Unused Credit Card Lines | RCONJ456 | $26.8M |
| 1-4 Family Residential Construction Loan Commitments | RCONF164 | $18.1M |
| Performance Standby Letters of Credit | RCON3821 | $16.7M |
| Other Unused Commitments: All Other Unused Commitments | RCONJ459 | $14.5M |
| Financial Standby Letters of Credit and Foreign Office Guarantees | RCON3819 | $8.1M |
| Other unused commitments: Loans to nondepository financial institutions | RCONPV11 | $3.0M |
Schedule RC-M: Memoranda (10 items)
About Schedule RC-M · Central Bank & Trust Company memoranda trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Aggregate Amount of All Extensions of Credit to All Executive Officers, Directors, Principal Shareholders, and Their Related Interests | RCON6164 | $27.6M |
| FHLB Advances (Loans) Due in One Year or Less | RCON2651 | $25.0M |
| FHLB Advances: Advances with a Remaining Maturity or Next Repricing Date of One Year or Less | RCONF055 | $25.0M |
| FHLB Advances: Advances with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONF056 | $25.0M |
| FHLB Advances: Advances with a Remaining Maturity or Next Repricing Date of Over Three Through Five Years | RCONF057 | $6.5M |
| Estimated Fair Value of Mortgage Servicing Assets | RCONA590 | $304K |
| Mortgage Servicing Assets | RCON3164 | $164K |
| Outstanding balance of PPP loans | RCONLG27 | $67K |
| Number of Executive Officers, Directors, and Principal Shareholders to Whom the Amount of All Extensions of Credit by the Reporting Bank (Including Extensions of Credit to Related Interests) Equals or Exceeds the Lesser of $500,000 or 5 Percent of Total Capital as Defined for This Purpose in Agency Regulations | RCON6165 | 2 |
| Number of outstanding PPP Loans | RCONLG26 | 2 |
Schedule RC-N: Past Due and Nonaccrual Loans, Leases, and Other Assets (25 items)
About Schedule RC-N · Central Bank & Trust Company past due and nonaccrual loans, leases, and other assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Lease Finance Receivables: Nonaccrual | RCON1403 | $5.5M |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-nonaccural | RCONC229 | $2.9M |
| Total Loans and Lease Financing Receivables: Past Due 30-89 Days and Still Accruing | RCON1406 | $2.5M |
| Additions to Nonaccrual Assets | RCONC410 | $2.0M |
| Loans Secured by 1-4 Family Residential Properties: Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit - Nonaccrual | RCON5400 | $1.5M |
| Loans Secured by 1-4 Family Residential Properties: Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit - Past Due 30 Through 89 Days and Still Accruing | RCON5398 | $862K |
| Total Loans and Lease Financing Receivables: Past Due 90 Days or More and Still Accruing | RCON1407 | $815K |
| Loans Secured by 1-4 Family Residential Properties: Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit - Past Due 90 Days or More and Still Accruing | RCON5399 | $810K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by Junior Liens-nonaccural | RCONC230 | $632K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Automobile Loans - Past Due 30 Through 89 Days and Still Accruing | RCONK213 | $591K |
| Total Loan Modifications to Borrowers Experiencing Financial Difficulty Included in Schedule Rc-n Items 1 Through 7 Above and Not Reported in Schedule Rc-c, Part I, Memo Item 1, Nonaccrual | RCONHK28 | $556K |
| Loan Modifications to Borrowers Experiencing Financial Difficulty Secured by 1-4 Residential Properties (in Domestic Offices) - Nonaccrual | RCONF663 | $516K |
| Loans Secured by Real Estate (in Domestic Offices): Secured by Farmland - Past Due 30 Through 89 Days and Still Accruing | RCON3493 | $420K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-past Due 30 Thru 89 Days and Still Accruing | RCONC236 | $383K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Automobile Loans - Nonaccrual | RCONK215 | $302K |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Credit Cards - Past Due 30 Through 89 Days and Still Accruing | RCONB575 | $92K |
| All Other Loans - Past Due 30 Through 89 Days and Still Accruing | RCON5459 | $63K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by Junior Liens-past Due 30 Thru 89 Days and Still Accruing | RCONC238 | $60K |
| Loans Secured by Other Nonfarm Nonresidential Properties, Nonaccrual | RCONF183 | $60K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Other - Nonaccrual | RCONK218 | $42K |
| Loan Modifications to Borrowers Experiencing Financial Difficulty Loans Secured by Owner Occupied Nonfarm Nonresidential Properties: Nonaccrual | RCONK116 | $40K |
| Loans Secured by Owner-occupied Nonfarm Nonresidential Properties, Nonaccrual | RCONF182 | $40K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Other - Past Due 30 Through 89 Days and Still Accruing | RCONK216 | $40K |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Credit Cards - Nonaccrual | RCONB577 | $29K |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Credit Cards - Past Due 90 Days or More and Still Accruing | RCONB576 | $5K |
Schedule RC-O: Other Data for Deposit Insurance Assessments (13 items)
About Schedule RC-O · Central Bank & Trust Company other data for deposit insurance assessments trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average Consolidated Total Assets for the Calendar Quarter | RCONK652 | $4.01B |
| Total Deposit Liabilities as Defined in Section 3(1) of the Federal Deposit Insurance Act Before Exclusions | RCONF236 | $3.15B |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF051 | $1.61B |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of $250,000 or Less | RCONF049 | $1.52B |
| Estimated Amount of Uninsured Assessable Deposits in Domestic Offices of the Bank and in Insured Branches in Puerto Rico and U.S. Territories and Possessions, Including Related Interest Accrued and Unpaid | RCON5597 | $1.10B |
| Average Tangible Equity for the Calendar Quarter | RCONK654 | $492.9M |
| Amount of Retirement Deposits Accounts of $250,000 or Less | RCONF045 | $18.5M |
| Amount of Retirement Deposit Accounts of More Than $250,000 | RCONF047 | $1.6M |
| Number of Deposit Accounts (Excluding Retirement Accounts)of $250,000 or Less | RCONF050 | 85,776 |
| Number of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF052 | 2,061 |
| Number of Retirement Deposit Accounts of $250,000 or Less | RCONF046 | 1,050 |
| Number of Retirement Deposit Accounts of More Than $250,000 | RCONF048 | 5 |
| Averaging Method Used | RCONK653 | 1 |
Schedule RC-P: 1-4 Family Residential Mortgage Banking Activities (5 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Retail originations during the quarter of 1-4 family residential mortgage loans for sale | RCONHT81 | $25.1M |
| Principal Amount of 1-4 Family Residential Mortgage Loans Sold During the Quarter | RCONFT04 | $23.1M |
| Quarter End Amount of 1-4 Family Residential Mortgage Loans Held for Sale or Trading | RCONFT05 | $4.6M |
| Repurchases and indemnification of 1-4 family residential mortgage laons during the quarter | RCONHT86 | $902K |
| Noninterest income for the quarter from the sale, securitization, and servicing of 1-4 family residential mortgage loans | RIADHT85 | $359K |
Schedule RC-R: Regulatory Capital (1 item)
About Schedule RC-R · Central Bank & Trust Company regulatory capital trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Risk-weighted Assets Before Deductions for Excess Allowance for Loan and Lease Losses and Allocated Transfer Risk Reserve - 100% | RCONB704 | $3.29B |
Schedule RC-R, Part I: Regulatory Capital Components and Ratios (24 items)
About Schedule RC-R, Part I · Central Bank & Trust Company regulatory capital components and ratios trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average total consolidated assets | RCOAKW03 | $4.01B |
| Average Total Assets (Net of Deductions) | RCOAA224 | $4.00B |
| Risk-weighted Assets (Net of Allowances and Other Deductions) | RCOAA223 | $3.29B |
| Total Qualifying Capital Allowable Under the Risk-based Capital Guidelines | RCOA3792 | $528.7M |
| Common Equity Tier 1 Capital Before Adjustments and Deductions | RCOAP840 | $502.8M |
| Common Equity Tier 1 Capital | RCOAP859 | $496.8M |
| Subtotal of Common Equity Tier 1 Capital: Adjustments and Deductions | RCOAP852 | $496.8M |
| Tier 1 Capital Allowable Under the Risk-based Capital Guidelines | RCOA8274 | $496.8M |
| Retained Earnings | RCOAKW00 | $438.0M |
| Common Equity Tier 1 Capital: Common Stock Plus Related Surplus, Net of Treasury Stock and Unearned Employee Stock Ownership Plan (ESOP) Shares | RCOAP742 | $73.1M |
| General Loan and Lease Valuation Allowances | RCOA5310 | $31.8M |
| Tier 2 (Supplementary) Capital | RCOA5311 | $31.8M |
| Tier 2 Capital Before Deductions | RCOAP870 | $31.8M |
| Goodwill Net of Associated Deferred Tax Liabilities (Dtls) | RCOAP841 | $14.3M |
| Less: Deductions from Common Equity Tier 1 Capital and Additional Tier 1 Capital (Sum of Items 6, 7, 8, 10.B, 11, 13 Through 17 and Certain Elements of Item 24 - See Instructions) | RCOAP875 | $14.3M |
| Accumulated Other Comprehensive Income | RCOAB530 | -$8.4M |
| Less: Net Unrealized Gains (Losses) on Available-for-sale Debt Securities (If a Gain, Report as a Positive Value, If a Loss, Report as a Negative Value) | RCOAP844 | -$6.9M |
| Less: Amounts Recorded in AOCI Attributed to Defined Benefit Postretirement Plans Resulting from the Initial and Subsequent Application of the Relevant GAAP Standards That Pertain to Such Plans (If a Gain, Report as a Positive Value, If a Loss, Report as a Negative Value) | RCOAP847 | -$1.5M |
| A. AOCI Opt-out Election (Enter '1' for Yes, Enter '0' for No.) | RCOAP838 | 1 |
| Total Risk-based Capital Ratio | RCOA7205 | 0.1608 |
| Common Equity Tier 1 Capital Ratio | RCOAP793 | 0.1512 |
| Tier 1 Risk-based Capital Ratio | RCOA7206 | 0.1512 |
| Tier 1 Leverage Capital Ratio | RCOA7204 | 0.1242 |
| Institution-specific Capital Buffer Necessary to Avoid Limitations on Distributions and Discretionary Bonus Payments: Capital Conservation Buffer | RCOAH311 | 0.0808 |
Schedule RC-R, Part II: Risk-Weighted Assets (68 items)
About Schedule RC-R, Part II · Central Bank & Trust Company risk-weighted assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Risk-weighted Assets for Purposes of Calculating the Allowance for Loan and Lease Losses 1.25 Percent Threshold | RCONS580 | $3.29B |
| Total Risk-weighted Assets | RCONG641 | $3.29B |
| Risk-weighted Assets by Risk-weighted Category - 100 Pct Risk Weight Category | RCONG637 | $2.76B |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 100 Pct Risk Weight Category | RCONG633 | $2.76B |
| Total Balance Sheet Assets - 100 Pct Risk Weight Category | RCOND990 | $2.48B |
| Total Loans and Leases, Net of Unearned Income, All Other Exposures | RCONS457 | $2.29B |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 100 Pct Risk Weight Category | RCONS462 | $2.28B |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 0 Pct Risk Weight Category | RCONG630 | $782.1M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 50 Pct Risk Weight Category | RCONG632 | $618.3M |
| Total Balance Sheet Assets - 50 Pct Risk Weight Category | RCOND989 | $618.3M |
| Total Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures | RCONS439 | $616.7M |
| Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 50 Pct Risk Weight Category | RCONS442 | $613.7M |
| Total Balance Sheet Assets - 0 Pct Risk Weight Category | RCOND987 | $561.7M |
| Available-for-sale debt securities and equity securities with readily determinable fair values not held for trading purposes, Total Fair Value | RCONJA21 | $485.8M |
| Unused Commitments, Original Maturity Exceeding One Year - Face, Notional, or Other Amount | RCONG624 | $460.5M |
| Total Cash and Balances Due from Depository Institutions | RCOND957 | $376.9M |
| Cash and Balances Due from Depository Institutions - 0 Pct Risk Weight Category | RCOND958 | $349.9M |
| Risk-weighted Assets by Risk-weighted Category - 50 Pct Risk Weight Category | RCONG636 | $309.2M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 20 Pct Risk Weight Category | RCONG631 | $270.2M |
| Total Balance Sheet Assets - 20 Pct Risk Weight Category | RCOND988 | $268.2M |
| Unused Commitments, Original Maturity Exceeding One Year - Credit Equivalent Amount | RCONG625 | $230.2M |
| Unused Commitments, Original Maturity Exceeding One Year - 100 Pct Risk Weight Category | RCONG629 | $230.2M |
| Unconditionally Cancellable Commitments | RCONS540 | $226.4M |
| Repo-style Transactions - Credit Equivalent Amount | RCONS516 | $225.8M |
| Repo-style Transactions - Face, Notional, or Other Amount | RCONS515 | $225.8M |
| Available-for-sale Securities - 20 Pct Risk Weight Category | RCOND968 | $223.9M |
| Repo-style Transactions - 0 Pct Risk Weight Category | RCONS517 | $220.4M |
| Available-for-sale Securities - 0 Pct Risk Weight Category | RCOND967 | $210.8M |
| Total All Other Assets | RCOND981 | $161.3M |
| Risk-weighted Assets by Risk-weighted Category - 150 Pct Risk Weight Category | RCONS572 | $160.4M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, Face, Notional or Other Amount | RCONS525 | $144.7M |
| All Other Assets - 100 Pct Risk Weight Category | RCOND985 | $138.7M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 150 Pct Risk Weight Category | RCONS561 | $107.0M |
| Total Balance Sheet Assets - 150 Pct Risk Weight Category | RCONS503 | $107.0M |
| Loans and Leases, Net of Unearned Income, High Volatility Commercial Real Estate Exposures - 150 Pct Risk Weight Category | RCONS447 | $103.5M |
| Total Loans and Leases, Net of Unearned Income, High Volatility Commercial Real Estate Exposures | RCONS445 | $103.5M |
| Available-for-sale Securities - 100 Pct Risk Weight Category | RCOND970 | $60.2M |
| Risk-weighted Assets by Risk-weighted Category - 20 Pct Risk Weight Category | RCONG635 | $54.0M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, 100% | RCONS530 | $28.9M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, Credit Equivalent Amount | RCONS526 | $28.9M |
| Cash and Balances Due from Depository Institutions - 20 Pct Risk Weight Category | RCOND959 | $26.9M |
| Total Balance Sheet Assets - Adjustments to Total Reported in Column a | RCONS500 | -$24.1M |
| Performance Standby Letters of Credit and Transaction-related Contingent Items - Face, Notional, or Other Amount | RCOND997 | $16.7M |
| All Other Assets - Adjustments to Totals Reported in Column a | RCONS469 | $14.3M |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 20 Pct Risk Weight Category | RCONS460 | $9.2M |
| Available-for-sale Securities - Adjustment to Totals Reported in Column a | RCONS402 | -$9.1M |
| Performance Standby Letters of Credit and Transaction-related Contingent Items - Credit Equivalent Amount | RCOND998 | $8.4M |
| Financial Standby Letters of Credit - Credit Equivalent Amount | RCOND992 | $8.1M |
| Financial Standby Letters of Credit - Face, Notional, or Other Amount | RCOND991 | $8.1M |
| Performance Standby Letters of Credit and Transaction-related Contingent Items - 100 Pct Risk Weight Category | RCONG605 | $7.7M |
| Financial Standby Letters of Credit - 100 Pct Risk Weight Category | RCOND996 | $6.8M |
| Risk-weighted Assets by Risk-weighted Category - 250 Pct Risk Weight Category | RCONS573 | $6.1M |
| All Other Assets - 20 Pct Risk Weight Category | RCOND983 | $5.8M |
| Repo-style Transactions - 100 Pct Risk Weight Category | RCONS522 | $5.4M |
| Loans and Leases Held for Sale, Residential Mortgage Exposures - 50 Pct Risk Weight Category | RCONS416 | $4.6M |
| Total Loans and Leases Held for Sale, Residential Mortgage Exposures | RCONS413 | $4.6M |
| Loans and Leases, Net of Unearned Income, Exposures Past Due 90 Days or More or on Nonaccrual - 150 Pct Risk Weight Category | RCONS455 | $3.4M |
| Total Loans and Leases, Net of Unearned Income, Exposures Past Due 90 Days or More or on Nonaccrual | RCONS449 | $3.4M |
| Total Held-to-maturity Securities | RCOND961 | $3.2M |
| Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 100 Pct Risk Weight Category | RCONS443 | $2.9M |
| All Other Assets - 250 Pct Risk Weight Category | RCONH293 | $2.4M |
| The total of all components in the 250% balance sheet asset category on Call Report Schedule RC-R is multiplied by 250% | RCONS504 | $2.4M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 250 Pct Risk Weight Category | RCONS562 | $2.4M |
| Held-to-maturity Securities - 20 Pct Risk Weight Category | RCOND963 | $2.3M |
| Financial Standby Letters of Credit - 20 Pct Risk Weight Category | RCOND994 | $1.3M |
| Held-to-maturity Securities - 0 Pct Risk Weight Category | RCOND962 | $914K |
| Performance Standby Letters of Credit and Transaction-related Contingent Items - 20 Pct Risk Weight Category | RCONG603 | $698K |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 0 Pct Risk Weight Category | RCONS459 | $36K |
Schedule RC-S: Servicing, Securitization, and Asset Sale Activities (1 item)
| Line item | Code | Q2 2026 |
|---|---|---|
| Outstanding Principal Balance of Assets Serviced for Others (Memorandum Item 2.C Is to Be Completed If the Balance Is More Than $10 Million): 1-4 Family Residential Mortgages Serviced with No Recourse or Other Servicer-provided Credit Enhancements | RCONB805 | $40.5M |
Schedule RC-T: Fiduciary and Related Services (35 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Fiduciary Accounts - Managed Assets | RCONB894 | $2.42B |
| Investment Management Agency Accounts - Managed Assets | RCONB886 | $962.0M |
| Employee Benefit-defined Contribution - Managed Assets | RCONB872 | $420.7M |
| Personal Trust and Agency Accounts - Managed Assets | RCONB868 | $416.2M |
| Fiduciary and Related Assets:individual Retirement Accounts, Health Savings Accounts, and Other Similar Accounts - Managed Assets | RCONJ259 | $412.6M |
| Other Retirement Accounts - Managed Assets | RCONB880 | $412.6M |
| Fiduciary and Related Assets:foundation and Endowment Trust and Agency Accounts - Managed Assets | RCONJ255 | $210.6M |
| Total Fiduciary Accounts - Non-managed Assets | RCONB895 | $57.7M |
| Employee Benefit-defined Contribution - Non-managed Assets | RCONB873 | $54.2M |
| Custody and Safekeeping Accounts - Non-managed Assets | RCONB898 | $31.0M |
| Income from Fiduciary Activities | RIAD4070 | $6.2M |
| Fiduciary and Related Assets:individual Retirement Accounts, Health Savings Accounts, and Other Similar Accounts - Non-managed Asset | RCONJ260 | $4.6M |
| Other Retirement Accounts - Non-managed Assets | RCONB881 | $3.5M |
| Fiduciary and Related Services Income-investment Management and Investment Advisory Agency Accounts | RIADJ315 | $2.6M |
| Other Retirement Accounts | RIADB907 | $1.6M |
| Personal Trust and Agency Accounts | RIADB904 | $1.1M |
| Fiduciary and Related Services Income-foundation and Endowment Trust and Agency Accounts | RIADJ316 | $401K |
| Employee Benefit-defined Contribution | RIADB905 | $375K |
| Other Fiduciary and Related Services Income | RIADB910 | $196K |
| Custody and Safekeeping Accounts | RIADB909 | $19K |
| Gross Fees, Commissions and Other Fiduciary Income: Corporate Trust and Agency Accounts | RIADA479 | $2K |
| Total Fiduciary Accounts - Number of Managed Accounts | RCONB896 | 1,522 |
| Fiduciary and Related Assets:individual Retirement Accounts, Health Savings Accounts, and Other Similar Accounts - Number of Managed Accounts | RCONJ261 | 685 |
| Other Retirement Accounts - Number of Managed Accounts | RCONB882 | 685 |
| Investment Management Agency Accounts - Number of Managed Accounts | RCONB888 | 589 |
| Personal Trust and Agency Accounts - Number of Managed Accounts | RCONB870 | 200 |
| Fiduciary and Related Assets:foundation and Endowment Trust and Agency Accounts - Number of Managed Accounts | RCONJ257 | 37 |
| Total Fiduciary Accounts - Non-managed Accounts | RCONB897 | 29 |
| Employee Benefit-defined Contribution - Number of Non-managed Accounts | RCONB875 | 26 |
| Custody and Safekeeping Accounts - Number of Non-managed Accounts | RCONB899 | 14 |
| Employee Benefit-defined Contribution - Number of Managed Accounts | RCONB874 | 9 |
| Corporate Trust and Agency Accounts - Number of Managed Accounts | RCONC001 | 2 |
| Fiduciary and Related Assets:individual Retirement Accounts, Health Savings Accounts, and Other Similar Accounts - Number of Non-managed Accounts | RCONJ262 | 2 |
| Other Retirement Accounts - Number of Non-managed Accounts | RCONB883 | 2 |
| Fiduciary and Related Assets:investment Management and Investment Advisory Agency Accounts - Number of Non-managed Accounts | RCONJ254 | 1 |
Schedule RI-A: Changes in Bank Equity Capital (5 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Equity Capital | RIAD3210 | $502.8M |
| Balance End of Previous Calendar Year as Restated | RIADB508 | $482.3M |
| Equity Capital, Most Recently Reported for the End of Previous Calendar Year (I.e., After Adjustments from Amended Reports of Income) | RIAD3217 | $482.3M |
| Cash Dividends Declared on Common Stock | RIAD4460 | $4.5M |
| Other Comprehensive Income | RIADB511 | -$201K |
Schedule RI-B, Part I: Charge-offs and Recoveries on Loans and Leases (14 items)
About Schedule RI-B, Part I · Central Bank & Trust Company charge-offs and recoveries on loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Recoveries on Allowance for Loan and Lease Losses | RIAD4605 | $1.3M |
| Loans Secured by Other Nonfarm Nonresidential Properties: Recoveries | RIADC898 | $840K |
| Charge-offs on Allowance for Loan and Lease Losses | RIAD4635 | $794K |
| Charge-offs on Automobile Loans | RIADK129 | $513K |
| Recoveries on Automobile Loans | RIADK133 | $341K |
| Charge-offs on Loans to Credit Cards | RIADB514 | $98K |
| Recoveries on Commercial and Industrial Loans | RIAD4608 | $88K |
| Charge-offs on Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit | RIAD5411 | $79K |
| Charge-offs on All Other Loans | RIAD4644 | $66K |
| Charge-offs All Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADK205 | $28K |
| Recoveries on Loans to Credit Cards | RIADB515 | $24K |
| Recoveries All Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADK206 | $21K |
| Charge-offs on Commercial and Industrial Loans | RIAD4638 | $10K |
| Recoveries on Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit | RIAD5412 | $4K |
Schedule RI-B, Part II: Changes in Allowances for Credit Losses (4 items)
About Schedule RI-B, Part II · Central Bank & Trust Company changes in allowances for credit losses trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Balance Most Recently Reported for the December 31, 2000, Reports of Condition and Income(i.e., After Adjustments from Amended Report of Income) | RIADB522 | $29.5M |
| Allowance for Loan and Lease Losses | RIAD3123 | $29.3M |
| Charge-offs on Allowance for Loan and Lease Losses | RIADC079 | $794K |
| Provisions for credit losses on off-balance-sheet exposures | RIADMG93 | -$486K |
Schedule RI-C: Disaggregated Data on the Allowance for Credit Losses (14 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Loans and Leases, Held for Investment, Total, Amortized Cost | RCONJJ11 | $3.01B |
| Loans and Leases, Held for Investment, Real estate loans, Commercial real estate loans, Amortized Cost | RCONJJ05 | $1.15B |
| Loans and Leases, Held for Investment, Real estate loans, Residential real estate loans, Amortized Cost | RCONJJ06 | $1.14B |
| Loans and Leases, Held for Investment, Commerical loans, Amortized Cost | RCONJJ07 | $398.3M |
| Loans and Leases, Held for Investment, Real estate loans, Construction loans, Amortized Cost | RCONJJ04 | $285.8M |
| Loans and Leases, Held for Investment, Total, Allowance Balance | RCONJJ19 | $29.3M |
| Loans and Leases, Held for Investment, Other consumer loans, Amortized Cost | RCONJJ09 | $27.7M |
| Loans and Leases, Held for Investment, Credit cards, Amortized Cost | RCONJJ08 | $15.3M |
| Loans and Leases, Held for Investment, Real estate loans, Commercial real estate loans, Allowance Balance | RCONJJ13 | $9.0M |
| Loans and Leases, Held for Investment, Real estate loans, Residential real estate loans, Allowance Balance | RCONJJ14 | $7.6M |
| Loans and Leases, Held for Investment, Commerical loans, Allowance Balance | RCONJJ15 | $5.7M |
| Loans and Leases, Held for Investment, Real estate loans, Construction loans, Allowance Balance | RCONJJ12 | $5.3M |
| Loans and Leases, Held for Investment, Credit cards, Allowance Balance | RCONJJ16 | $855K |
| Loans and Leases, Held for Investment, Other consumer loans, Allowance Balance | RCONJJ17 | $842K |
Schedule RI-E: Explanations (5 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Bank Card and Credit Card Interchange Fees | RIADF555 | $8.0M |
| First Itemized Amount That Exceeds 10% of Other Noninterest Expense (4092) | RIAD4464 | $5.4M |
| Automated Teller Machine (ATM) and Interchange Expense | RIADF558 | $4.2M |
| Data Processing Expenses | RIADC017 | $2.8M |
| Second Itemized Amount That Exceeds 10% of Other Noninterest Expense (4092) | RIAD4467 | $2.7M |
Central Bank & Trust Company call reports on file
Each link opens the bank's filed report on the FFIEC Central Data Repository.
- Q2 2026 call report (quarter ended June 30, 2026)
- Q1 2026 call report (quarter ended March 31, 2026)
- Q4 2025 call report (quarter ended December 31, 2025)
- Q3 2025 call report (quarter ended September 30, 2025)
- Q2 2025 call report (quarter ended June 30, 2025)
- Q1 2025 call report (quarter ended March 31, 2025)
Where can I find the Central Bank & Trust Company call report?
The Central Bank & Trust Company call report for the quarter ended June 30, 2026 is on this page, schedule by schedule. The official PDF is on the FFIEC Central Data Repository, linked here for every quarter on file. Call reports are public: anyone can read or download them without an account.
Which call report form does Central Bank & Trust Company file?
Central Bank & Trust Company files the FFIEC 041. The FFIEC 031 is for banks with foreign offices, the FFIEC 041 for banks with domestic offices only, and the FFIEC 051 is the streamlined form most domestic banks under $5 billion in total assets may file.
What is the Central Bank & Trust Company call report number?
A call report has no number of its own. It is filed and looked up by the bank's identifiers: Central Bank & Trust Company has Federal Reserve RSSD ID 1007015 and FDIC certificate number 15815. Either one finds its filings on the FFIEC Central Data Repository.
How often does Central Bank & Trust Company file a call report?
Every quarter, as of March 31, June 30, September 30 and December 31. The report is due 30 calendar days after the quarter ends, or 35 days for a bank with more than one foreign office.
Central Bank & Trust Company financial reports and ratios →
New to call reports? What a call report is, every call report code explained, and how the UBPR turns it into ratios.
Regulator records: FDIC BankFind (cert 15815) · FFIEC NIC profile (RSSD 1007015)