Central Bancshares, Inc. Financials, FR Y-9C Data and Filings

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Bank Holding Company Kentucky RSSD 2158156 FRS Est. 1993

Central Bancshares, Inc. is a bank holding company based in Kentucky with $4.01B in total consolidated assets as of June 30, 2026, according to its FR Y-9C filing with the Federal Reserve. It owns 1 bank that files a call report: Central Bank & Trust Company ($4.01B in assets). It files with the SEC under CIK 914068: see its filings on EDGAR.

Key Financials FR Y-9C, consolidated, as of June 30, 2026

Total assets: $4.01B
Total deposits: $3.12B
Total equity: $491.4M
Net income (Q2 2026): $12.9M
ROA: 1.28%
ROE: 10.58%
Net interest margin: 4.13%
CET1 ratio: 14.77%

Total loans: $3.01B
Efficiency ratio: 68.98%
Equity / assets: 12.25%
Tier 1 leverage ratio: 12.52%
Total capital ratio: 16.19%
Employees (FTE): 525

Source: FR Y-9C for June 30, 2026, consolidated across the holding company's banks and nonbank subsidiaries. Net income is for Q2 2026 alone; ROA, ROE and net interest margin annualize that quarter, and the margin is tax-equivalent, on average earning assets. Deposits add domestic and foreign-office deposits (Schedule HC, item 13). Capital ratios are as filed on Schedule HC-R (CET1: BHCAP793). Bank-level figures in the tables below come from each bank's own call report.

Bank Subsidiaries 1 bank held directly or through another holding company

Bank	Charter	State	Total assets (call report)	Share of bank assets	Held through
Central Bank & Trust Company	State Non-Member Bank	KY	$4.01B	100.0%	Held directly

Questions About Central Bancshares, Inc.

What are Central Bancshares, Inc.'s total assets?

Central Bancshares, Inc. reported $4.01B in total consolidated assets as of June 30, 2026, according to its FR Y-9C filing with the Federal Reserve.

How many banks does Central Bancshares, Inc. own?

Central Bancshares, Inc. owns 1 bank that files a call report: Central Bank & Trust Company.

Who owns Central Bank & Trust Company?

Central Bank & Trust Company is owned by Central Bancshares, Inc. The bank reported $4.01B in total assets on its latest call report.

Where can I find Central Bancshares, Inc.'s FR Y-9C?

Central Bancshares, Inc. files the FR Y-9C with the Federal Reserve every quarter. The reports are public on the FFIEC National Information Center under RSSD ID 2158156. This page summarizes the FR Y-9C for Q2 2026.

Does Central Bancshares, Inc. file with the SEC?

Yes. Central Bancshares, Inc. files with the SEC under Central Index Key (CIK) 914068.

Filing Details fiscal year and SEC registration

Fiscal year end: December 31
Ticker: —
SEC CIK: 914068
SEC filings: —

Organization Map select + to expand a subsidiary's own holdings

Holding company Reporting bank Nonbank subsidiary

Central Bancshares, Inc.

Holding Company KY RSSD 2158156

$4.01B
- Central Bank & Trust Company
  
  State Non-Member Bank KY RSSD 1007015
  
  $4.01B
- Central Bancshares (KY) Statutory Trust I
  
  Nonbank Subsidiary KY RSSD 3353202

Direct Subsidiaries 2 active direct subsidiaries

Entity	Type	State	Total Assets	Share of bank subsidiary assets
Central Bank & Trust Company · 1007015	State Non-Member Bank	KY	$4.01B	100.0%
Central Bancshares (KY) Statutory Trust I · 3353202	Nonbank Subsidiary	KY	—	—

Share of bank subsidiary assets divides each bank's total assets by the combined assets of the bank subsidiaries listed. Nonbank subsidiaries are not counted.

Regulator records: FFIEC NIC profile (RSSD 2158156)