Central Bank & Trust Company: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 21.33 percentage points higher than in Q1 2026, at 175.74%. Central Bank & Trust Company ranks 55th of 119 Kentucky banks on return on assets, in the upper half at 1.30% (Q2 2026). At 1.30%, Central Bank & Trust Company's return on assets is close to the 1.28% median for banks in the $1B-10B asset tier (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 15.12% |
| Tier 1 risk-based capital ratio | 15.12% |
| Total risk-based capital ratio | 16.08% |
| Tier 1 leverage ratio | 12.42% |
| Equity capital to assets | 12.53% |
| Tangible equity to tangible assets | 12.22% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.55% |
| Non-performing assets ratio | 0.42% |
| Net charge-off ratio | -0.11% |
| Texas ratio | 3.38% |
| Allowance for credit losses to loans | 0.97% |
| Reserve coverage of non-performing loans | 175.74% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.30% |
| Return on equity | 10.49% |
| Net interest margin | 4.11% |
| Efficiency ratio | 68.68% |
| Yield on earning assets | 5.46% |
| Cost of funds | 1.53% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 96.60% |
| Core deposits to total deposits | 85.38% |
| Brokered deposits to total deposits | 2.40% |
| Deposits to assets | 77.77% |
| Securities to assets | 12.19% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 13.09% | 13.09% | 14.16% | 10.99% | 0.93% |
| Q4 2023 | 13.21% | 13.21% | 14.28% | 11.31% | 0.87% |
| Q1 2024 | 13.07% | 13.07% | 14.14% | 11.79% | 0.92% |
| Q2 2024 | 13.10% | 13.10% | 14.20% | 11.76% | 0.99% |
| Q3 2024 | 13.44% | 13.44% | 14.52% | 11.83% | 1.08% |
| Q4 2024 | 13.71% | 13.71% | 14.72% | 11.94% | 1.11% |
| Q1 2025 | 14.04% | 14.04% | 15.04% | 12.13% | 1.13% |
| Q2 2025 | 14.42% | 14.42% | 15.42% | 12.10% | 1.22% |
| Q3 2025 | 14.80% | 14.80% | 15.78% | 12.15% | 1.28% |
| Q4 2025 | 14.80% | 14.80% | 15.81% | 12.04% | 0.99% |
| Q1 2026 | 15.03% | 15.03% | 16.01% | 12.35% | 1.24% |
| Q2 2026 | 15.12% | 15.12% | 16.08% | 12.42% | 1.30% |
Central Bank & Trust Company vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Central Bank & Trust Company, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Central Bank & Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15815) · FFIEC NIC profile (RSSD 1007015)