Central Bank, FSB


301 North Main Street
Nicholasville, KY 40356
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 0.85% →
1-Year CD N.A. 0.70% →
2-Year CD N.A. 0.75% →
5-Year CD N.A. 1.15% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2021 Overview

General Bank Information

Central Bank, FSB is an FDIC insured institution located in Nicholasville, KY. It was founded in 1998 and has approximately $0.19 billion in assets.

FDIC Insured Yes
FDIC Certificate # 34581
Date Established 1998
Assets $ 191.83 million
Loans $ 147.21 million
Deposits $ 161.59 million
Capital $ 17.53 million

For a more detailed analysis of Central Bank, FSB's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - September 16, 2021

Your Current Location: Connecticut, CT 06828


Loan Rates - September 16, 2021

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for Central Bank, FSB

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Connecticut 30 Year Fixed Mortgage Rates 2021

Lender APR Rate (%) Monthly
Learn More
NMLS ID: 1907
2.798% 2.750%
-0.38 points
$1,562 fees
$1,021 Learn More
Morty, Inc.
NMLS ID: 1429243
2.559% 2.500%
0.75 points
$1,958 fees
$988 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
Bethpage Federal Credit Union
Bethpage Federal Credit Union
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Intro APR 2.990 %
After Intro: 3.750 %
Intro Period: 12 months
$25,000 Learn More
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BMO Harris Bank
BMO Harris Bank
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Intro APR 1.790 %
After Intro: 4.840 %
Intro Period: 6 months
$0 Learn More
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Third Federal Savings and Loan
Third Federal Savings and Loan
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2.240 %
$0 Learn More
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Note to Central Bank, FSB
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Financial Details

Central Bank, FSB Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Central Bank, FSB. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Central Bank, FSB U.S. Bank Average
51.4% 5.29%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of March 31, 2021, Central Bank, FSB had $5,434,000 in non-current loans and $4,656,000 in owned real estate. To cover these potential losses it had $17,528,000 in equity and $2,101,000 in loans loss reserves. That gives it a Texas Ratio of 51.4%.

Return on Equity
Central Bank, FSB U.S. Bank Average
1.85% 11.43%

Central Bank, FSB has a Return on Equity of 1.85% versus the BestCashCow average of 11.43%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Central Bank, FSB U.S. Bank Average
9.14% 11.51%

Central Bank, FSB has a Capitalization of 9.14% versus the BestCashCow average of 11.51. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Central Bank, FSB Balance Sheet Analysis

As of December 31, 2010, Central Bank, FSB had assets of $191,830,000, loans of $147,208,000, and deposits of $161,585,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

March 31, 2021
Cash & Balances due from depository institutions N.A.
Interest-bearing balances N.A.
Total securities N.A.
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 147.21 million
Loan loss allowance $ 2.10 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 4.66 million
Goodwill and other intangibles N.A.
All other assets N.A.
     Total Assets N.A.
Total deposits $ 161.59 million
      Interest-bearing deposits N.A.
      Deposits held in domestic offices N.A.
      % insured (estimated) 0.00%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities N.A.
      Total Liabilities N.A.
      Shareholders’ Equity $ 191.83 million

Summary Income Statement

March 31, 2021
Total Interest Income N.A.
Total Interest Expense N.A.
Net interest income N.A.
Provision for loan and lease losses N.A.
Total non interest income N.A.
Total non interest expense N.A.
Pre-tax Net Operating Income N.A.

Bank Loan Profile?

The top three loan types in Central Bank, FSB’s loan portfolio are 1-4 Family Residential Loans, Multifamily Mortgages, and Credit Card Loans.

Compared to other banks, Central Bank, FSB’s loan portfolio does not show any specific loan specialty.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 0.00
Credit Card Loans 0.00
Consumer Auto Loans 0.00
Small Business Loans 0.00
Construction and Development Loans 0.00
Commercial Real Estate 0.00
Commercial and Industrial Loans 0.00
Farm Loans 0.00

Frequently Asked Questions About Central Bank, Fsb

Branches and Savings

Is Central Bank, Fsb FDIC insured?

Yes. It is covered under FDIC Certificate #34581.

Why does Central Bank, Fsb pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Central Bank, Fsb CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Central Bank, Fsb a commercial bank?


Where are Central Bank, Fsb locations?

See branch locations nearby.

Is Central Bank, Fsb open on Saturdays?

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What time does Central Bank, Fsb close?

Are Central Bank, Fsb ATMs Open 24/7?

Do Central Bank, Fsb ATMs accept cash deposits?

Can Central Bank, Fsb customers use other ATMs?

Do Central Bank, Fsb branches have notaries?

Will Central Bank, Fsb notarize my document?

What address for Central Bank, Fsb should I put for incoming ACH transfers?

Will the Central Bank, Fsb branch print checks?

Do Central Bank, Fsb checks expire?

Does Central Bank, Fsb require US citizenship to open account?

Can Central Bank, Fsb close my account?

Does Central Bank, Fsb Report to credit bureaus?

Does Central Bank, Fsb Use Equifax?

What is Central Bank, Fsb's ACH Routing Number?

What is Central Bank, Fsb's SWIFT code?


Does Central Bank, Fsb offer mortgages?

Compare mortgage rates here.

Does Central Bank, Fsb offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Central Bank, Fsb offer personal loans?

Compare personal loan rates here.

Does Central Bank, Fsb offer student loans?

Will Central Bank, Fsb cash a check?

Will Central Bank, Fsb redeem a savings bond?

Does Central Bank, Fsb cash savings bonds?

Will Central Bank, Fsb cash money orders?

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Does Central Bank, Fsb do currency exchange?

Background on The Bank

Who owns Central Bank, Fsb?

How long has Central Bank, Fsb been around?

Can Central Bank, Fsb transfer to other banks?

Does Central Bank, Fsb have quick pay?

Does Central Bank, Fsb accept rolled coins?

Will Central Bank, Fsb accept loose change?

Where is Central Bank, Fsb headquarters?

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