Central Bank & Trust Company: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Central Bank & Trust Company of Lexington, KY against its peer group of 931 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA Behind the peer average, ahead of the median peer. | 1.30% | 1.44% | -0.14% | 52nd above |
| ROAE | 10.49% | 12.51% | -2.02% | 36th below |
| Net Interest Margin | 4.11% | 3.84% | +0.27% | 75th top |
| Efficiency Ratio | 68.68% | 58.86% | +9.82% | 23rd bottom |
| PPNR / Avg Assets | 1.59% | 1.78% | -0.19% | 41st below |
| Yield on Earning Assets | 5.46% | 5.71% | -0.25% | 46th below |
| Cost of Funds | 1.53% | 2.03% | -0.50% | 79th top |
| Net Interest Spread Behind the peer average, ahead of the median peer. | 3.17% | 3.18% | -0.01% | 58th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.55% | 0.96% | -0.41% | 55th above |
| NPA / Total Assets | 0.42% | 0.75% | -0.33% | 55th above |
| NCO / Avg Loans | -0.11% | 0.31% | -0.42% | 98th top |
| ACL / Total Loans | 0.97% | 1.25% | -0.28% | 27th below |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 175.74% | 699.42% | -523.68% | 50th above |
| Texas Ratio | 3.38% | 7.17% | -3.79% | 62nd above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 15.12% | 17.41% | -2.29% | 71st above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 15.12% | 17.45% | -2.33% | 71st above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 16.08% | 18.50% | -2.42% | 70th above |
| Leverage Ratio | 12.42% | 11.59% | +0.83% | 80th top |
| Equity / Assets | 12.53% | 11.33% | +1.20% | 81st top |
| TCE / Tangible Assets | 12.22% | 10.65% | +1.57% | 84th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 96.60% | 86.34% | +10.26% | 25th below |
| Core Deposit Ratio | 85.38% | 85.56% | -0.18% | 36th below |
| Uninsured Deposit Ratio | 35.13% | 32.71% | +2.42% | 39th below |
| Wholesale Funding Ratio | 6.92% | 5.45% | +1.47% | 29th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 6.38% | 10.46% | -4.08% | 58th above |
| Loan Growth (Y/Y) | 5.35% | 8.00% | -2.65% | 48th below |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.97% | 7.98% | -2.01% | 58th above |
See Central Bank & Trust Company's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Central Bank & Trust Company, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Central Bank & Trust Company profile, how to read a UBPR, or how this data updates.