FDIC Cert #15815 · Lexington, Kentucky · Est. 1938

Central Bank & Trust Co. - FDIC Bank Health Profile

A community-scale look at Central Bank & Trust Co.'s own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$3.9B
Total assets
B
Health grade · Good
1.16%
Return on assets
14.8%
Tier 1 capital

Data updated July 2026

The verdict

Central Bank & Trust Co. earns a PlainBankData health grade of B (79/100), with well-capitalized at 14.80% Tier 1, profitable at 1.16% ROA, 70% efficiency ratio.

#345
largest of 4,313 FDIC banks by assets
92nd
percentile by asset size, nationally
14.80%
Tier 1 ratio - above the 10% well-capitalized line
54th
percentile for profitability (ROA), nationally

PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.

FDIC Call Report plate

Cert 15815 · KY B · 79/100

GRADE-B · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-PAR · SIZE-REGIONAL · BOOK-FULL

  • GRADE-B B (79/100)
  • MID-PACK #2059/4307
  • PHOTO-FINISH Security Bank of Texas · TX
  • TIER1-WELL 14.8% Tier 1
  • TEXAS-CLEAN 1.1% Texas
  • ROA-PAR 1.16% ROA
  • SIZE-REGIONAL $1–10B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Kentucky: Security Bank of Texas, TX (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Central Bank & Trust Co.

Lowest and highest poles plus nearest scored peers outside Kentucky, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Central Bank & Trust… · KY ·…79/100First State Bank · TX · near79/100Integrity Bank Plus · MN · n…79/100Partners Bank · AR · near79/100Security Bank of Texas · TX …79/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Central Bank & Trust Co. · July 2026

What Central Bank & Trust Co.'s Call Report plate shows

Central Bank & Trust Co. (FDIC Cert #15815) carries a PlainBankData health grade of B at 79/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #2,059 of 4,307. Tier 1 capital prints at 14.80%, clearing the 10% well-capitalized line. The Texas Ratio is 1.07%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.16%. Balance-sheet scale is $3.9B, 345th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Security Bank of Texas (TX), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Central Bank & Trust Co.

3 FAILURE resolutions in Kentucky since 2000 (3 since 2008)

Central Bank & Trust Co.'s home state sits in the middle band of post-2000 FAILURE counts (3; 3 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; Central Bank & Trust Co. remains an active FDIC-insured reporter.

  • LOUISA COMMUNITY BANK LOUISA, KY 2019 → KENTUCKY FARMERS BANK CORPORATION
  • FIRST FEDERAL BANK LEXINGTON, KY 2013 → YOUR COMMUNITY BANK
  • IRWIN UNION BANK, FSB LOUISVILLE, KY 2009 → FIRST FINANCIAL BANK, N.A.

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Kentucky banks.

How Central Bank & Trust Co.'s 79/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10079/100
Central Bank & Trust Co.'s composite health score
Tier 1 Capital Ratio (14.80%) 35/40
Return on Assets (ROA) (1.16%) 20/25
Texas Ratio (1.07%) 20/20
Efficiency Ratio (70.18%) 4/15

79 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$3.9B

Total balance-sheet footings

Total Deposits

$3.1B

Customer-funded liabilities

Net Loans

$2.9B

Outstanding loan book

Net Income

$44M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% 18% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 13.4% 14.8% 16.2%
Basel III capital ratios - Central Bank & Trust Co.

Where Central Bank & Trust Co. ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Central Bank & Trust Co.'s score of 79/100 falls in the highlighted band.

Central Bank & Trust Co.: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

79 Top 48% higher than 52% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). This entry sits in this band. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Central Bank & Trust Co. 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Central Bank & Trust Co.'s size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Central Bank & Trust Co.'s $3.9B falls in the highlighted band.

Safety ratios for Central Bank & Trust Co.

Tier 1 capital ratio
Well-capitalized 10%

14.80% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
14.80%
Texas Ratio
1.07%
Equity Capital
$482M

What these ratios mean →

Earnings posture at Central Bank & Trust Co.

Return on Assets (ROA)
54th percentile nationally
1.16%
Return on Equity (ROE)
9.64%
Efficiency Ratio
70.18%

What these mean →

Income & expense at Central Bank & Trust Co.

$197M
Interest Income
$46M
Non-Interest Income
$132M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Central Bank & Trust Co. reports a Texas Ratio of 1.07% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

1.07% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Central Bank & Trust Co. on FDIC BankFind →

Top banks in Kentucky by total assets

Largest banks headquartered in Kentucky
  1. 1
    Stock Yards Bank & Trust Company $9.5B

    Louisville, KY · Grade A

  2. 2
    Republic Bank & Trust Company $7.0B

    Louisville, KY · Grade A

  3. 3
    Community Trust Bank, Inc. $6.6B

    Pikeville, KY · Grade A

  4. 4
    Central Bank & Trust Co. $3.9B

    Lexington, KY · Grade B

  5. 5
    Independence Bank of Kentucky $3.8B

    Owensboro, KY · Grade B

Top 5 banks in Kentucky ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($3.9B here), outside Kentucky so the neighborhood is not state containment.

Woori America Bank $4.0B · NY First Bank $4.0B · NJ Bank of Marin $3.9B · CA Gate City Bank $4.0B · ND

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Central Bank & Trust Co. (FDIC Cert #15815) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

Central Bank & Trust Co. Call Report profile · FDIC Failed Bank List · Kentucky FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Kentucky

All Kentucky banks →
BankAssetsGradeROA
Stock Yards Bank & Trust CompanyLouisville $9.5B A 1.57%
Republic Bank & Trust CompanyLouisville $7.0B A 1.89%
Community Trust Bank, Inc.Pikeville $6.6B A 1.50%
Independence Bank of KentuckyOwensboro $3.8B B 0.80%
Traditional Bank, Inc.Mount Sterling $2.5B B 0.80%
Heritage Bank, Inc.Burlington $2.1B B 1.08%
South Central Bank, Inc.Glasgow $2.1B A 1.25%
Planters Bank, Inc.Hopkinsville $1.9B A 1.17%