Central Bank & Trust Co.

Central Bank & Trust Co. of Lexington, KY, chartered 1938: 29 offices, $4.01bn in assets, a 12.42% leverage ratio. Straight from the federal record.

Central Bank & Trust Co. is an FDIC-insured bank headquartered in Lexington, KY, chartered in 1938. It is supervised by the FDIC and held by Central Bancshares Inc. Every figure below is filed by the bank with its regulator and reproduced here unchanged.

Where Central Bank & Trust Co. has branches

29 full-service offices across 1 state:

• Kentucky: 29 offices in 11 towns, holding $2.94bn at 30 June 2025

Central Bank & Trust Co. on its latest Call Report, 30 June 2026

• Total assets: $4.01bn
• Total deposits: $3.12bn
• Tier 1 leverage ratio: 12.42%
• Total risk-based capital ratio: 16.08%
• Noncurrent loans, as a share of loans: 0.21%
• Return on assets: 1.27%
• Net interest margin: 4.05%
• Staff: 525

Central Bank & Trust Co. by town

Towns where it runs more than one office, busiest first. Each opens every one of its branches there.

• Central Bank & Trust Co. in Lexington, KY: 12 branches

Compare Central Bank & Trust Co. against every other bank with a branch in Kentucky, or find the offices nearest you.

Charter and office records from the FDIC BankFind Suite; capital, loan and earnings figures from the bank's own Call Report; deposits by office from the FDIC Summary of Deposits, counted each 30 June.