Century Bank of Kentucky, Inc. is a state-chartered bank headquartered in Lawrenceburg, Kentucky, in business for about 26 years. At the end of Q2 2026 it reported $208.1M in total assets and $188.0M in deposits, with 2 offices.
Century Bank of Kentucky, Inc. has a TellerScore of 84 out of 100 (strong) based on Q2 2026 data — higher than 86% of its 2,650 banks with $100 million – $1 billion. Among 120 banks headquartered in Kentucky, it ranks 13th. Loan quality contributes the most (100/100, 0.00%); capital cushion contributes the least (54/100, 10.41%).
TellerScore · Q2 2026
Scorecard
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
From Q2 2025 to Q2 2026, the score rose 7 points (77 → 84), mostly because the earnings component improved by 22 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 75 |
| Q3 2024 | 77 |
| Q4 2024 | 76 |
| Q1 2025 | 78 |
| Q2 2025 | 77 |
| Q3 2025 | 77 |
| Q4 2025 | 79 |
| Q1 2026 | 83 |
| Q2 2026 | 84 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 9.95% |
| Q3 2024 | 10.00% |
| Q4 2024 | 9.68% |
| Q1 2025 | 9.75% |
| Q2 2025 | 10.03% |
| Q3 2025 | 9.83% |
| Q4 2025 | 9.63% |
| Q1 2026 | 10.02% |
| Q2 2026 | 10.41% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.02% |
| Q3 2024 | 0.00% |
| Q4 2024 | 0.10% |
| Q1 2025 | 0.09% |
| Q2 2025 | 0.08% |
| Q3 2025 | 0.08% |
| Q4 2025 | 0.00% |
| Q1 2026 | 0.00% |
| Q2 2026 | 0.00% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.17% |
| Q3 2024 | 1.26% |
| Q4 2024 | 1.34% |
| Q1 2025 | 1.53% |
| Q2 2025 | 1.46% |
| Q3 2025 | 1.46% |
| Q4 2025 | 1.78% |
| Q1 2026 | 2.09% |
| Q2 2026 | 2.17% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 84 | $208.1M | 10.41% | 0.00% | 2.17% | 75.3% |
| Q1 2026 | 83 | $204.3M | 10.02% | 0.00% | 2.09% | 75.0% |
| Q4 2025 | 79 | $201.9M | 9.63% | 0.00% | 1.78% | 75.5% |
| Q3 2025 | 77 | $199.4M | 9.83% | 0.08% | 1.46% | 74.7% |
| Q2 2025 | 77 | $194.5M | 10.03% | 0.08% | 1.46% | 73.4% |
| Q1 2025 | 78 | $195.6M | 9.75% | 0.09% | 1.53% | 70.7% |
| Q4 2024 | 76 | $188.4M | 9.68% | 0.10% | 1.34% | 71.6% |
| Q3 2024 | 77 | $188.6M | 10.00% | 0.00% | 1.26% | 74.4% |
| Q2 2024 | 75 | $184.7M | 9.95% | 0.02% | 1.17% | 75.4% |
2,650 peers · $100 million – $1 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).
Similar-size banks in Kentucky
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| First & Peoples Bank and Trust CompanyBank Russell, KY | 27 out of 100, Low | $207.1M | 9.0% | 15.30% | vs |
| Commercial BankBank West Liberty, KY | 65 out of 100, Moderate | $216.1M | 10.0% | 1.14% | vs |
| Elkton Bank & Trust CompanyBank Elkton, KY | 82 out of 100, Strong | $199.1M | 12.6% | 0.12% | vs |
| Citizens Bank & Trust Co. of JacksonBank Jackson, KY | 42 out of 100, Below average | $217.3M | 9.7% | 3.35% | vs |
| United Citizens Bank & Trust CompanyBank Campbellsburg, KY | 56 out of 100, Moderate | $219.3M | 10.0% | 1.78% | vs |
| The Citizens BankBank Hickman, KY | 82 out of 100, Strong | $220.4M | 12.7% | 0.34% | vs |
Deposit insurance
Is my money safe at Century Bank of Kentucky, Inc.?
Yes. Century Bank of Kentucky, Inc. is an FDIC-insured institution (FDIC certificate #35450). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 14.3% of deposits ($26.8M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 10.41%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
2 locations
Branches
Century Bank of Kentucky, Inc. lists 1 office in 1 city. Most locations:
- Lawrenceburg, KY (1)
Identity & history
Profile
- Legal name
- Century Bank of Kentucky, Inc.
- Type
- State-chartered bank
- FDIC certificate #
- 35450
- RSSD ID
- 2920287
- Primary regulator
- FDIC
- Holding company
- Century Bancshares Inc
- Established
- July 5, 2000
- Headquarters
- 201 W Woodford St, Lawrenceburg, KY 40342
- Website
- www.centurybankky.com
- Employees
- 24
Quick answers
Century Bank of Kentucky, Inc.: common questions
Is Century Bank of Kentucky, Inc. FDIC insured?
Yes. Century Bank of Kentucky, Inc. is an FDIC-insured institution (FDIC certificate #35450). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Century Bank of Kentucky, Inc.'s TellerScore?
84 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 Century Bank of Kentucky, Inc. ever failed?
There is no failure record for FDIC certificate #35450 in the FDIC failed bank list.
How many branches does Century Bank of Kentucky, Inc. have?
2 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Lawrenceburg
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The Health & Education Federal Credit UnionCredit union Lexington, KY | 97 out of 100, Very strong | $125.8M | 17.7% | 0.23% | vs |
| Whitaker BankBank Lexington, KY | 84 out of 100, Strong | $1.9B | 12.9% | 0.21% | vs |
| Republic Bank & Trust CompanyBank Louisville, KY | 84 out of 100, Strong | $7.1B | 14.8% | 0.56% | vs |
| Transcend Credit UnionCredit union Louisville, KY | 83 out of 100, Strong | $588.3M | 13.4% | 0.13% | vs |
| Guardian Savings BankBank West Chester, OH | 83 out of 100, Strong | $1.4B | 11.4% | 0.20% | vs |
| Town & Country Bank and Trust CompanyBank Bardstown, KY | 82 out of 100, Strong | $433.7M | 12.7% | 0.42% | vs |