Central Bank & Trust Co.
Lexington, KY
IDRSSD: 1007015
Total Assets
$3.94B
Latest filing
Total Deposits
$3.07B
Latest filing
Net Interest Margin
3.98%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Central Bank & Trust Co.
300 W Vine St
Lexington, KY 40507
Full Service - Brick and Mortar
Updated 01/30/2026Established 04/15/1938FDIC Certificate 10059
Branches (27)
Page 1 of 4| Name | Address | City / State |
|---|---|---|
| Central Bank & Trust Co. (Main) | 300 W Vine St | Lexington, KY |
| SOUTHLAND BRANCH | 256 Southland Dr | Lexington, KY |
| NICHOLASVILLE ROAD BRANCH | 100 E Reynolds Rd | Lexington, KY |
| RICHMOND ROAD BRANCH | 2233 Richmond Rd | Lexington, KY |
| VERSAILLES ROAD BRANCH | 2347 Versailles Rd | Lexington, KY |
| NORTH PARK BRANCH | 515 W New Circle Rd | Lexington, KY |
| TATES CREEK ROAD BRANCH | 3270 Tates Creek Rd | Lexington, KY |
| TATES CREEK CENTRE BRANCH | 4090 Tates Creek Centre Dr | Lexington, KY |
Showing 7 of 27
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 04/15/1938 |
| Community Bank | No |
| Ownership Type | Not Mutual |
| ZIP | 40507 |
| State and County Number | 21067 |
| Subchapter S Corporations | No |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 04 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Chicago |
| Core Based Statistical Area Name | Lexington-Fayette, KY |
Operational Info
| Number of Employees | 517 |
| Domestic Offices | 28 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 01/31/2025 |
| Date of Deposit Insurance | 04/30/1941 |
| Primary Insurance Agency | DIF |
| Website | www.centralbank.com |
| Data Updated | 01/30/2026 |
| CERT | 15815 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $3.94B |
| Total Deposits | $3.07B |
| Total Liabilities | $3.46B |
| Total Equity Capital | $482.31M |
| Net Income | $9.81M |
| Net Loans and Leases | $2.89B |
| Assets Per Employee ($Millions) | $7.58M |
| Bank Premises and Fixed Assets | $87.58M |
| Cash and Balances due from Depository Institutions | $413.04M |
| Deposits Held in Domestic Offices | $3.07B |
Key Performance Ratios
| Return on Assets (ROA) | 1% |
| Return on Equity (ROE) | 8.24% |
| Net Interest Margin | 3.98% |
| Efficiency Ratio | 71.4% |
| Tier 1 Risk-Based Capital Ratio | 14.801% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.19% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 12.231% |
| Earning Assets to total Assets | 94.67% |
Income and Expense
| Total Interest Income | $51.09M |
| Total Noninterest Income | $11.94M |
| Total Interest Expense | $14.14M |
| Total Noninterest Expense | $34.91M |
| Net Interest Income | $36.95M |
| Pre-tax Net Operating Income | $12.12M |
| Provision for Credit Losses | $1.87M |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $55.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $226.53M |
| All Other Liabilities | $106.20M |
| Total Liabilities and Capital | $3.94B |
Securities
| Securities | $479.91M |
| Available-for-sale debt securities | $476.29M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $3.63M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Central Bank & Trust Co.?
$3.94B as of the latest filing.
How much are Central Bank & Trust Co.'s total deposits?
$3.07B in total deposits.
Where is Central Bank & Trust Co. located?
Lexington, KY.
What is the Net Interest Margin?
3.98%.
How many domestic offices does it operate?
28.
When was it established?
04/15/1938.
What is the Return on Assets (ROA)?
1%.
How much are total loans and leases?
$2.89B (latest filing).
What is the total interest income (latest filing)?
$51.09M.