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 Central Bank & Trust Co.
Central Bank & Trust Co.
| RSSD ID 1007015 | CERTIFICATE 15815 | ABA NUMBER 42100146 |
| 300 W Vine St |
Quarter Ended : |
2025-12-31 |
| Lexington, Kentucky, 40507 |
Updated : |
2026-02-13 |
| www.centralbank.com |
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| Institution Profile |
| Year Opened : |
1938 |
Institution Type : |
Commercial bank |
| Entity Type : |
State |
Federal Regulator : |
FDIC |
| Member Federal Reserve : |
No |
S-Corp : |
No |
| Fiduciary Powers : |
Yes |
Powers Exercised : |
Yes |
| Filing Type : |
041 |
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| Specialization : |
Commercial Lending Specialization |
| Number of Offices : |
28 |
Number of Employees : |
520 |
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| Financial Fast Facts |
Balance Sheet
(USD, in thousands) |
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Income Statement
(USD, in thousands, ytd) |
| Total Assets | 3,943,327 |
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Total Interest Income | 197,265 |
| Total Liabilities | 3,461,013 |
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Total NonInterest Income | 46,169 |
| Total Bank Equity Capital | 482,314 |
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Total Interest Expense | 54,792 |
| Total Deposits | 3,073,285 |
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Total NonInterest Expense | 132,393 |
| Net Loans & Leases | 2,889,170 |
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Net Income | 44,137 |
| Loan Loss Allowance | 29,475 |
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Net Charge Offs | 1,079 |
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| Regulatory Capital |
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Quarterly Averages
(USD, in thousands) |
| Total capital | 508,666 |
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Total loans | 2,887,876 |
| Total assets for the leverage ratio | 3,956,007 |
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Loans secured by real estate: | 2,406,245 |
| Tier 1 Leverage Ratio | 12.04 |
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Commercial and industrial loans | 348,647 |
| Tier 1 Capital Ratio | 14.8 |
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Loans to individuals - Credit Cards | 6,575 |
| Total Capital Ratio | 15.81 |
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Loans to individuals - Other | 44,669 |
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:· Central Bank & Trust Co.
