Century Bank of Kentucky, Inc.
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Data as of · sourced from FFIEC call reports. How we update
Century Bank of Kentucky, Inc. is an FDIC-insured commercial bank headquartered in Lawrenceburg, KY, supervised by the FDIC, with $208.1M in total assets at Q2 2026, up 7.0% from Q2 2025, the 81st largest of 120 banks headquartered in Kentucky. It was established in 2000 and holds FDIC certificate 35450. It reports no CET1 ratio; its Tier 1 leverage ratio was 10.41% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 35450
- Headquarters
- Lawrenceburg, KY
- Established
- 2000
- Total assets, Q2 2026
- $208.1M
- Assets vs Q2 2025
- +7.0%
- Tier 1 leverage ratio, Q2 2026
- 10.41%
- Domestic offices
- 2 · Century Bank of Kentucky, Inc. branches FDIC institution directory, current count
- Routing number
- 083908310
- Safety and soundness
- Is Century Bank of Kentucky, Inc. safe?
- Latest call report
- Q2 2026, FFIEC 051 · Century Bank of Kentucky, Inc. Q3 2026 call report, filed October 23, 2026 (preliminary)
- Holding company
- CENTURY BANCSHARES, INC.
- Asset rank in state
- 81st of 120 in Kentucky
Century Bank of Kentucky, Inc. is one of the more profitable banks of its size. The Lawrenceburg, Kentucky bank had $208 million in assets at June 30, 2026, up 7.0% from a year earlier. It earns about $2.23 a year on every $100 of assets, higher than about 9 in 10 of the 2,627 banks with $100 million to $1 billion in assets (median $1.28). It also carries problem assets equal to 0.0% of the capital and reserves that would absorb them, lower than about 9 in 10 banks its size (median 2.7%). Much of that comes from cost control: it spends about 49 cents to bring in each dollar of revenue.
Earnings jumped: net income for the quarter was $1.2 million, 72% above the same quarter a year earlier. Concentration is the risk to watch: it holds commercial real estate loans worth 2.2 times its capital, about double the median of 1.2 times for banks its size.
As of June 30, 2026, Century Bank of Kentucky, Inc. reported a return on assets of 2.23%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
Of the 120 banks headquartered in Kentucky, Century Bank of Kentucky, Inc. is the 81st largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 1.9% to $208.1M, loans rose 1.8% and deposits rose 1.5%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 51.8% of total loans, ahead of non-owner-occupied commercial real estate loans at 22.0%. The FDIC Summary of Deposits lists 2 offices for it, in Lawrenceburg, KY. On its Q2 2026 call report, Century Bank of Kentucky, Inc. meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 201 W Woodford St, Lawrenceburg, KY 40342
- County
- Anderson
- Metro Area
- Frankfort, KY
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- No
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- July 5, 2000
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 24
- Domestic deposits
- $188.0M
- Allowance for credit losses
- $1.3M
- Net charge-offs (YTD)
- $3K
- Average total assets
- $207.4M
- Average total loans
- $141.3M
- Average interest-bearing deposits
- $154.8M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- July 5, 2000
- FDIC Cert
- 35450
- Fed RSSD
- 2920287
- SEC CIK
- 1464398 → filed by CENTURY BANCSHARES, INC.
- Website
- http://www.centurybankky.com →
- Parent Holding Company
- CENTURY BANCSHARES, INC. (RSSD 3097458)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Century Bank of Kentucky, Inc. reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Century Bank of Kentucky, Inc.'s total assets ran between $179.5M (Q3 2023) and $208.1M (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$208.1M total assets against $194.5M; $188.5M total liabilities against $177.4M.
$141.5M net loans and leases against $129.6M; $188.0M total deposits against $176.7M.
$53.3M securities against $49.5M; $7.6M cash and balances due against $10.0M.
$2.8M total interest income against $2.5M; $800K total interest expense against $892K.
$2.0M net interest income against $1.6M.
$236K total noninterest income against $243K; $1.1M total noninterest expense against $1.2M.
No provision recorded in the last 12 quarters.
$1.2M net income against $673K.
2.23% return on assets against 1.38%; 4.07% net interest margin against 3.45%.
10.41% tier 1 leverage ratio against 10.03%.
Inside the full Century Bank of Kentucky, Inc. terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Century Bank of Kentucky, Inc. rankings
Its closest position to the top of a national ranking is 291 of 3,611, for ROA; its furthest is 3,529 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.38% (Q2 2025) to 2.65% (Q4 2025) and its net interest margin ran from 3.12% (Q3 2024) to 4.32% (Q4 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.41% | 2.23% | 0.00% | 0.00% | 4.07% |
| Q1 2026 | 10.02% | 2.07% | 0.00% | 0.00% | 3.88% |
| Q4 2025 | 9.63% | 2.65% | 0.00% | 0.00% | 4.32% |
| Q3 2025 | 9.83% | 1.46% | 0.08% | 0.55% | 3.67% |
| Q2 2025 | 10.03% | 1.38% | 0.08% | 0.58% | 3.45% |
| Q1 2025 | 9.75% | 1.51% | 0.09% | 0.64% | 3.35% |
| Q4 2024 | 9.68% | 1.55% | 0.10% | 0.76% | 3.29% |
| Q3 2024 | 10.00% | 1.43% | 0.00% | 0.00% | 3.12% |
Swipe the table sideways to see every column.
Branch Network
View all 2 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Century Bank of Kentucky, Inc. (main office) | Lawrenceburg , KY | 40342 | $186.8M |
| Www.Centurybankdirect.Com Branch | Lawrenceburg , KY | 40342 | $1.2M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in KY, rank 100 of 152 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Century Bank of Kentucky, Inc.
What are Century Bank of Kentucky, Inc.'s total assets?
As of the Q2 2026 filing, Century Bank of Kentucky, Inc. reported total assets of $208.1 million in its FFIEC call report.
Where is Century Bank of Kentucky, Inc. headquartered?
It is headquartered in Lawrenceburg, KY, United States.
When was Century Bank of Kentucky, Inc. founded?
It was established in 2000, per the FDIC institution directory.
Is Century Bank of Kentucky, Inc. FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #35450). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Century Bank of Kentucky, Inc.?
Century Bank of Kentucky, Inc.'s primary federal regulator is the FDIC.
How many branches does Century Bank of Kentucky, Inc. operate?
It operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Century Bank of Kentucky, Inc.'s Texas Ratio?
Its Texas Ratio is 0.00% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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