Central Bank & Trust Co. of Lexington, Kentucky
Headquarters
300 W Vine St
Lexington, KY 40507
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2026 Overview
General Bank Information
Central Bank & Trust Co. of Lexington, Kentucky is an FDIC insured institution located in Lexington, KY. It was founded in 1938 and has approximately $4.01 billion in assets. Customers can open an account at one of its 26 branches.
| FDIC Insured | Yes |
| FDIC Certificate | # 15815 |
| Date Established | 1938 |
| Assets | $ 4.01 billion |
| Loans | $ 2.98 billion |
| Deposits | $ 3.12 billion |
| Capital | $ 502.77 million |
For a more detailed analysis of Central Bank & Trust Co. of Lexington, Kentucky's financial condition and a description of what these numbers mean, please visit the Financial Details section.
Deposit Rates - October 13, 2026
Your Current Location: New York, NY 10116
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Loan Rates - October 13, 2026
Your Current Location: New York, NY 10116
| Refinance Mortgage Rates | APR | Rate | Monthly Payment | |
|---|---|---|---|---|
| 15 Year Fixed Conforming See Amortization Table |
6.85% | 6.75% | $2,831.71 | |
| 30 Year Fixed Conforming See Amortization Table |
7.31% | 7.25% | $2,182.96 |
| Purchase Mortgage Rates | APR | Rate | Monthly Payment | |
|---|---|---|---|---|
| 15 Year Fixed Conforming See Amortization Table |
6.85% | 6.75% | $2,831.71 | |
| 30 Year Fixed Conforming See Amortization Table |
7.31% | 7.25% | $2,182.96 |
Monthly payments for mortgage products are based on a loan amount of $200,000. Home equity monthly payments are based on a loan amount of $50,000. Auto loan monthly payments are based on a loan amount of $25,000. Rates for each product are based on a variety of factors including credit score and loan amount. For specific requirements please check with the lender. Rates may change at any time.
Branches
Central Bank & Trust Co. of Lexington, Kentucky branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.
Your Location:
New York City,New York
Central Bank & Trust Co. of Lexington, Kentucky Locations around zip code 10116
| Branch | Distance | Map | View Lobby Hours |
|---|---|---|---|
| 570.50 | A | View Lobby Hours | |
| 570.90 | B | View Lobby Hours | |
| 572.09 | C | View Lobby Hours | |
| 572.61 | D | View Lobby Hours | |
| 575.23 | E | View Lobby Hours | |
| 582.26 | F | View Lobby Hours | |
| 582.62 | G | View Lobby Hours | |
| 583.05 | H | View Lobby Hours | |
| 583.57 | I | View Lobby Hours | |
| 583.67 | J | View Lobby Hours | |
| 583.88 | K | View Lobby Hours | |
| 584.72 | L | View Lobby Hours | |
| 585.43 | M | View Lobby Hours | |
| 585.87 | N | View Lobby Hours | |
| 586.73 | O | View Lobby Hours | |
| 587.45 | P | View Lobby Hours | |
| 587.71 | Q | View Lobby Hours | |
| 587.78 | R | View Lobby Hours | |
| 588.57 | S | View Lobby Hours | |
| 588.65 | T | View Lobby Hours | |
| 590.33 | U | View Lobby Hours | |
| 593.18 | V | View Lobby Hours | |
| 593.57 | W | View Lobby Hours | |
| 637.67 | X | View Lobby Hours | |
| 637.93 | Y | View Lobby Hours | |
| 645.42 | Z | View Lobby Hours |
Climate Policy and Initiatives
Central Bank & Trust Co. is encouraged to provide us with this information. When we receive this information from the bank, we will provide it here.
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Financial Details
Central Bank & Trust Co. of Lexington, Kentucky Ratio Analysis
The following ratios and data are available to help you better understand the financial condition of Central Bank & Trust Co. of Lexington, Kentucky. 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 & Trust Co. of Lexington, Kentucky | U.S. Bank Average |
|---|---|
| 1.19% | 6.04% |
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 June 30, 2026, Central Bank & Trust Co. of Lexington, Kentucky had $6,354,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $502,773,000 in equity and $29,292,000 in loans loss reserves. That gives it a Texas Ratio of 1.19%.
Return on Equity
| Central Bank & Trust Co. of Lexington, Kentucky | U.S. Bank Average |
|---|---|
| 10.25% | 11.52% |
Central Bank & Trust Co. of Lexington, Kentucky has a Return on Equity of 10.25% versus the BestCashCow average of 11.52%. 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.
Capitalization
| Central Bank & Trust Co. of Lexington, Kentucky | U.S. Bank Average |
|---|---|
| 12.53% | 11.94% |
Central Bank & Trust Co. of Lexington, Kentucky has a Capitalization of 12.53% versus the BestCashCow average of 11.94. 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 & Trust Co. of Lexington, Kentucky Balance Sheet Analysis
As of June 30, 2026, Central Bank & Trust Co. of Lexington, Kentucky had assets of $4,011,565,000, loans of $2,984,449,000, and deposits of $3,119,859,000. 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
June 30, 2026| ASSETS | |
|---|---|
| Cash & Balances due from depository institutions | $ 376.88 million |
| Interest-bearing balances | $ 324.09 million |
| Total securities | $ 488.97 million |
| Federal funds sold and reverse repurchase | N.A. |
| Net loans and leases | $ 2.98 billion |
| Loan loss allowance | $ 29.29 million |
| Trading account assets | N.A. |
| Bank premises and fixed assets | N.A. |
| Other real estate owned | N.A. |
| Goodwill and other intangibles | $ 14.48 million |
| All other assets | $ 53.93 million |
| Total Assets | $ 3.51 billion |
| LIABILITIES | |
|---|---|
| Total deposits | $ 3.12 billion |
| Interest-bearing deposits | $ 1,982.63 million |
| Deposits held in domestic offices | $ 3.12 billion |
| % insured (estimated) | 65.22% |
| Federal funds purchased and repurchase agreements | $ 220.93 million |
| Trading liabilities | N.A. |
| Other borrowed funds | $ 25.05 million |
| Subordinated debt | N.A. |
| All other liabilities | $ 107.81 million |
| Total Liabilities | $ 3.51 billion |
| Shareholders’ Equity | $ 502.77 million |
Summary Income Statement
June 30, 2026| INCOME AND EXPENSES | |
|---|---|
| Total Interest Income | $ 102.40 million |
| Total Interest Expense | $ 26.01 million |
| Net interest income | $ 76.39 million |
| Provision for loan and lease losses | N.A. |
| Total non interest income | $ 23.92 million |
| Total non interest expense | $ 69.88 million |
| Pre-tax Net Operating Income | $ 9.05 million |
Bank Loan Profile?
The top three loan types in Central Bank & Trust Co. of Lexington, Kentucky’s loan portfolio are 1-4 Family Residential Loans, Commercial Real Estate, and Commercial and Industrial Loans.
Compared to other banks in Kentucky, Central Bank & Trust Co. has a significantly higher percent of Credit Card Loans, Consumer Auto Loans on its balance sheet, potentially indicating a specialty in that lending area.
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.
| % Loans |
% Comparison to Other Banks |
|||
|---|---|---|---|---|
| Low | Med | High | ||
| 1-4 Family Residential Loans | 21.59 | ✓ | ||
| Multifamily Mortgages |
2.10 | ✓ | ||
| Credit Card Loans | 0.23 | ✓ | ||
| Consumer Auto Loans | 3.79 | ✓ | ||
| Small Business Loans | 3.03 | ✓ | ||
| Construction and Development Loans | 8.26 | ✓ | ||
| Commercial Real Estate | 20.34 | ✓ | ||
| Commercial and Industrial Loans | 10.33 | ✓ | ||
| Farm Loans | 0.06 | ✓ | ||
Customer Reviews for Central Bank & Trust Co. of Lexington, Kentucky
3.0 out of 5 based on 2 ratings
Pbar
March 11, 2023 |
Best Bank in Lexington. FDIC insured but not ruled by the Fed.
Is this review helpful? Yes:1 / No: 0
Wellington
November 1, 2019 |
Not impressed. Got a CD last November. The staff person put the wrong SS number. I was back home 60 miles away before I realized it. My bad. Central does not issue earnings statements. So the same staff told me
Thought I would buy a truck in August. Asked about using CD as security for a loan. Less than 25% of the value of the CD. The person that answered the phone did not know if Central did that. Supposedly talked to a loan officer. I held on til she reported back, " we don't do that". The original staff didn't know what a passbook savings account was. I am dating myself, but I retired from FDIC. So on the maturity date of 11\13\19 I will be moving my money
Still scratching my head!!
Is this review helpful? Yes:1 / No: 1
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