Side-by-side · Q2 2026 data
Central Bank & Trust Co. vs Republic Bank & Trust Company
Metric by metric
| Measure | Central Bank & Trust Co. | Republic Bank & Trust Company |
|---|---|---|
| TellerScore | 76 | 84 (stronger) |
| Capital cushion | 74 | 98 (stronger) |
| Loan quality | 93 (stronger) | 81 |
| Earnings | 71 | 100 (stronger) |
| Funding & liquidity | 42 (stronger) | 31 |
| Problem-loan coverage | 98 (stronger) | 95 |
| Peer percentile | 80th | 95th |
| Total assets | $4.0B | $7.1B |
| Deposits / shares | $3.1B | $5.6B |
| Capital ratio | 12.42% | 14.82% (stronger) |
| Problem loans | 0.21% (stronger) | 0.56% |
| Net charge-offs | -0.04% (stronger) | 0.46% |
| Return on assets | 1.27% | 2.13% (stronger) |
| Loans ÷ deposits | 95.7% | 95.7% (stronger) |
| Uninsured deposits | 35.1% (stronger) | 45.6% |
| Offices | 29 | 47 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 9.9% | 12.6% |
Republic Bank & Trust Company has the higher TellerScore (84 vs 76). On the 7 directional measures above (where higher or lower is clearly better), Central Bank & Trust Co. leads on 3 and Republic Bank & Trust Company on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Lexington, KY
- Louisville, KY
- Georgetown, KY
- Crestview Hills, KY
- Florence, KY