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Central Bank & Trust Co.

Lexington, KY
IDRSSD: 1007015
Total Assets
$3.93B
Latest filing
Total Deposits
$3.06B
Latest filing
Net Interest Margin
4.04%
Profitability
0

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 ClassCommercial bank, state charter, Fed non-member, and supervised by the FDIC
Primary RegulatorFDIC
Established Date04/15/1938
Community BankNo
Ownership TypeNot Mutual
ZIP40507
State and County Number21067
Subchapter S CorporationsNo
Trust PowersFull Trust Powers Granted
Federal Reserve ID Number04
Numeric code21
Insured by FDICInstitutions that are currently open and insured by the FDIC
Federal Reserve DistrictChicago
Core Based Statistical Area NameLexington-Fayette, KY

Operational Info

Number of Employees515
Domestic Offices28
Foreign Offices0
US Offices0
Directly owned by another bank (CERT)No
Last Structure Change Effective Date01/31/2025
Date of Deposit Insurance04/30/1941
Primary Insurance AgencyDIF
Websitewww.centralbank.com
Data Updated11/14/2025
CERT15815
Office of The Comptroller District:—
Office of Thrift Supervision RegionN/A

Financial Summary

Total Assets$3.93B
Total Deposits$3.06B
Total Liabilities$3.46B
Total Equity Capital$470.61M
Net Income$12.35M
Net Loans and Leases$2.84B
Assets Per Employee ($Millions)$7.6M
Bank Premises and Fixed Assets$87.34M
Cash and Balances due from Depository Institutions$489.72M
Deposits Held in Domestic Offices$3.06B

Key Performance Ratios

Return on Assets (ROA)1.28%
Return on Equity (ROE)10.64%
Net Interest Margin4.04%
Efficiency Ratio68.82%
Tier 1 Risk-Based Capital Ratio14.796%
Net Loans and Leases to Core Deposits0%
Credit Loss Provision to Assets-0.06%
Cash Dividends to Net Income (YTD Only)0%
Equity Capital to Assets11.98%
Earning Assets to total Assets94.12%

Income and Expense

Total Interest Income$50.54M
Total Noninterest Income$11.22M
Total Interest Expense$14.01M
Total Noninterest Expense$32.87M
Net Interest Income$36.54M
Pre-tax Net Operating Income$15.44M
Provision for Credit Losses$-548,000
Discontinued Operations (Extraordinary Gains - Net)$0

Additional Financial Info

Goodwill and Other Intangibles$0
All Other Assets$0
Other Real Estate Owned$0
Other borrowed funds$55.00M
Federal Funds Sold & Reverse Repurchase Agreement$0
Federal Funds Purchased and Repurchased Agreement$228.03M
All Other Liabilities$110.66M
Total Liabilities and Capital$3.93B

Securities

Securities$434.69M
Available-for-sale debt securities$430.86M
Equity securities with readily determinable fair values not held for trading$0
Held-to-maturity securities$3.83M
Subordinated Debt$0
Trading Account Assets$0
Trading Liabilities$0

Frequently Asked Questions

What are the total assets of Central Bank & Trust Co.?
$3.93B as of the latest filing.
How much are Central Bank & Trust Co.'s total deposits?
$3.06B in total deposits.
Where is Central Bank & Trust Co. located?
Lexington, KY.
What is the Net Interest Margin?
4.04%.
How many domestic offices does it operate?
28.
When was it established?
04/15/1938.
What is the Return on Assets (ROA)?
1.28%.
How much are total loans and leases?
$2.84B (latest filing).
What is the total interest income (latest filing)?
$50.54M.