TellerScore

Headquartered in Lexington, Kentucky, Central Bank & Trust Co. is a state-chartered bank with $4.0B in total assets and $3.1B in deposits as of Q2 2026. It operates 29 offices. Its charter dates back to 1938.

Based on its Q2 2026 filing, Central Bank & Trust Co. scores 76/100, which we describe as strong. That is higher than 80% of 897 banks with $1 billion – $10 billion. Among 120 banks headquartered in Kentucky, it ranks 38th. Its strongest component is problem-loan coverage (98/100; 1.2%), and its lowest is funding & liquidity (42/100; 96% loans-to-deposits, 35% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion74/100
Tier 1 leverage ratio: 12.42%
Loan quality93/100
Noncurrent loans ÷ total loans: 0.21%
Earnings71/100
Return on assets (annualized): 1.27%
Funding & liquidity42/100
Loans ÷ deposits and uninsured-deposit share: 95.7% · 35.1% uninsured
Problem-loan coverage98/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 1.19%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

The score has been essentially flat from Q2 2025 to Q2 2026 (75 → 76).

TellerScore
717476Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202471
Q3 202471
Q4 202472
Q1 202574
Q2 202575
Q3 202575
Q4 202574
Q1 202676
Q2 202676
Tier 1 leverage ratio
5.00%8.71%12.42%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202411.76%
Q3 202411.83%
Q4 202411.94%
Q1 202512.13%
Q2 202512.10%
Q3 202512.15%
Q4 202512.04%
Q1 202612.35%
Q2 202612.42%
Noncurrent loans
0.17%0.20%0.23%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.23%
Q3 20240.23%
Q4 20240.22%
Q1 20250.19%
Q2 20250.18%
Q3 20250.17%
Q4 20250.19%
Q1 20260.21%
Q2 20260.21%
Return on assets
0.96%1.11%1.27%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.96%
Q3 20241.01%
Q4 20241.04%
Q1 20251.13%
Q2 20251.18%
Q3 20251.21%
Q4 20251.16%
Q1 20261.23%
Q2 20261.27%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202676$4.0B12.42%0.21%1.27%95.7%
Q1 202676$4.0B12.35%0.21%1.23%93.5%
Q4 202574$3.9B12.04%0.19%1.16%94.1%
Q3 202575$3.9B12.15%0.17%1.21%92.8%
Q2 202575$3.8B12.10%0.18%1.18%96.2%
Q1 202574$3.7B12.13%0.19%1.13%96.9%
Q4 202472$3.6B11.94%0.22%1.04%99.2%
Q3 202471$3.6B11.83%0.23%1.01%100.7%
Q2 202471$3.6B11.76%0.23%0.96%102.3%

897 peers · $1 billion – $10 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio12.42%
80th
Total risk-based capital16.08%
77th
Problem loans0.21%
77th
Net charge-offs-0.04%
97th
Return on assets1.27%
51st
Net interest margin4.05%
72nd
Efficiency ratio69.7%
22nd
Loans to deposits95.7%
24th
Uninsured deposits35.1%
39th
Loan-loss reserves0.97%
28th
Texas ratio1.2%
81st

Similar-size banks in Kentucky

InstitutionScoreAssetsCapitalProblem loansCompare
Independence Bank of KentuckyBank Owensboro, KY69 out of 100, Moderate$3.8B9.4%0.12%vs
Traditional Bank, Inc.Bank Mount Sterling, KY73 out of 100, Strong$2.4B10.6%0.25%vs
South Central Bank, Inc.Bank Glasgow, KY72 out of 100, Strong$2.3B9.9%0.30%vs
Heritage Bank, Inc.Bank Burlington, KY65 out of 100, Moderate$2.0B9.0%0.47%vs
Planters Bank, Inc.Bank Hopkinsville, KY77 out of 100, Strong$2.0B12.4%0.11%vs
Whitaker BankBank Lexington, KY84 out of 100, Strong$1.9B12.9%0.21%vs

Deposit insurance

Is my money safe at Central Bank & Trust Co.?

Yes. Central Bank & Trust Co. is an FDIC-insured institution (FDIC certificate #15815). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 35.1% of deposits ($1.1B) are above the $250,000 FDIC insurance limit, above the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 12.42%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 16.08% (benchmark: 10%).

Check how much of your own balance is covered

29 locations

Branches

Central Bank & Trust Co. lists 29 offices in 11 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Central Bank & Trust Co. reported 1,155 home-loan applications under HMDA (LEI 549300C5GU86M1X2DG56): 926 originated ($244,590,000 total), 104 denied, and 101 withdrawn or closed by the applicant. Its denial rate on decided applications was 9.9%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Central Bank & Trust Co.
Former names
Central Bank & Trust Company
Type
State-chartered bank
FDIC certificate #
15815
RSSD ID
1007015
Primary regulator
FDIC
Holding company
Central Bancshares Inc
Established
April 15, 1938
Headquarters
300 W Vine St, Lexington, KY 40507
Employees
525

Quick answers

Central Bank & Trust Co.: common questions

Is Central Bank & Trust Co. FDIC insured?

Yes. Central Bank & Trust Co. is an FDIC-insured institution (FDIC certificate #15815). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Central Bank & Trust Co.'s TellerScore?

76 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Central Bank & Trust Co. ever failed?

There is no failure record for FDIC certificate #15815 in the FDIC failed bank list.

How many branches does Central Bank & Trust Co. have?

29 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Lexington

InstitutionScoreAssetsCapitalProblem loansCompare
The Health & Education Federal Credit UnionCredit union Lexington, KY97 out of 100, Very strong$125.8M17.7%0.23%vs
Republic Bank & Trust CompanyBank Louisville, KY84 out of 100, Strong$7.1B14.8%0.56%vs
Whitaker BankBank Lexington, KY84 out of 100, Strong$1.9B12.9%0.21%vs
Guardian Savings BankBank West Chester, OH83 out of 100, Strong$1.4B11.4%0.20%vs
Transcend Credit UnionCredit union Louisville, KY83 out of 100, Strong$588.3M13.4%0.13%vs
Community Trust Bank, Inc.Bank Pikeville, KY80 out of 100, Strong$6.9B13.4%0.58%vs