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Central Bank & Trust Co.
Lexington, KY · FDIC Certificate #15815 · Chartered 04/1
Total assets
$4.01B
Total deposits
$3.12B
Total equity
$502.77M
Net loans
$2.98B
Branches (offices)
29
Net income (YTD)
$25.21M
Rank: #336 of 4,213 U.S. banks by assets · #4 of 120 in Kentucky. Assets changed 6.4% and deposits 6.0% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.27% |
| Return on equity | 10.25% |
| Net interest margin (YTD) | 4.05% |
| Equity to assets | 12.53% |
| Tier 1 leverage ratio | 12.42% |
| Uninsured deposits (share of deposits) | 35.1% |
| Noncurrent loans (share of loans) | 0.21% |
| Net charge-offs (share of loans) | -0.04% |
| Loans to deposits | 95.7% |
| Real estate loans (share of loans) | 86.2% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $2.57B | 86.2% | |
| Commercial & industrial | $336.79M | 11.3% | |
| Consumer / individual | $36.48M | 1.2% | |
| Construction & development | $285.76M | 9.6% | |
| Agricultural | $1.15M | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $3.85B | $3.12B | $8.14M | $348.52M |
| Jun 2023 | $3.60B | $2.66B | $18.08M | $371.38M |
| Jun 2024 | $3.57B | $2.75B | $16.84M | $410.12M |
| Jun 2025 | $3.77B | $2.94B | $21.98M | $457.21M |
| Jun 2026 | $4.01B | $3.12B | $25.21M | $502.77M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Kentucky | $3.12B | 29 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $3.12B.
Similar-sized banks
River Bank & Trust ($4.02B) · Vallant Bank ($3.99B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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