FDIC Cert #35450 · Lawrenceburg, Kentucky · Est. 2000

Century Bank of Kentucky, Inc. - FDIC Bank Health Profile

A community-scale look at Century Bank of Kentucky, Inc.'s own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$202M
Total assets
B
Health grade · Good
1.78%
Return on assets
9.6%
Tier 1 capital

Data updated July 2026

The verdict

Century Bank of Kentucky, Inc. earns a PlainBankData health grade of B (75/100), with 9.63% Tier 1 capital, profitable at 1.78% ROA, efficient (57% cost ratio).

#2,996
largest of 4,313 FDIC banks by assets
31st
percentile by asset size, nationally
9.63%
Tier 1 ratio - below the 10% well-capitalized line
85th
percentile for profitability (ROA), nationally

This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.

FDIC Call Report plate

Cert 35450 · KY B · 75/100

GRADE-B · MID-PACK · PHOTO-FINISH · TIER1-ADEQ · TEXAS-CLEAN · ROA-STRONG · SIZE-MID · BOOK-FULL

  • GRADE-B B (75/100)
  • MID-PACK #2573/4307
  • PHOTO-FINISH Gulf Coast Bank and… · LA
  • TIER1-ADEQ 9.6% Tier 1
  • TEXAS-CLEAN 0.0% Texas
  • ROA-STRONG 1.78% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Kentucky: Gulf Coast Bank and Trust Company, LA (±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 Century Bank of Kentucky, Inc.

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

Morgan Stanley Bank,… · UT ·…100/100Century Bank of Kent… · KY ·…75/100Delta Bank · LA · near75/100First Financial Bank · AR · …75/100Gulf Coast Bank and… · LA · …75/100VIKING BANK, NATIONA… · MN ·…75/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Century Bank of Kentucky, Inc. · July 2026

What Century Bank of Kentucky, Inc.'s Call Report plate shows

Century Bank of Kentucky, Inc. (FDIC Cert #35450) carries a PlainBankData health grade of B at 75/100, 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 #2,573 of 4,307. Tier 1 capital prints at 9.63%, missing the 10% well-capitalized line. The Texas Ratio is 0.00%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.78%. Balance-sheet scale is $202M, 2,996th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Gulf Coast Bank and Trust Company (LA), 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 Century Bank of Kentucky, Inc.

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

Century Bank of Kentucky, Inc.'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; Century Bank of Kentucky, Inc. 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 Century Bank of Kentucky, Inc.'s 75/100 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 avg77/10075/100
Century Bank of Kentucky, Inc.'s composite health score
Tier 1 Capital Ratio (9.63%) 18/40
Return on Assets (ROA) (1.78%) 25/25
Texas Ratio (0.00%) 20/20
Efficiency Ratio (56.64%) 12/15

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

Balance sheet at a glance

Total Assets

$202M

Total balance-sheet footings

Total Deposits

$184M

Customer-funded liabilities

Net Loans

$139M

Outstanding loan book

Net Income

$3M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 2% 4% 6% 8% 10% 12% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 8.23% 9.63% 11.03%
Basel III capital ratios - Century Bank of Kentucky, Inc.

Where Century Bank of Kentucky, Inc. ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Century Bank of Kentucky, Inc.'s score of 75/100 falls in the highlighted band.

Century Bank of Kentucky, Inc.: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

75 40th percentile higher than 40% 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. Century Bank of Kentucky, Inc. 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

Century Bank of Kentucky, Inc.'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). Century Bank of Kentucky, Inc.'s $202M falls in the highlighted band.

Safety ratios for Century Bank of Kentucky, Inc.

Tier 1 capital ratio
Well-capitalized 10%

9.63% of risk-weighted assets - below the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
9.63%
Texas Ratio
0.00%
Equity Capital
$18M

What these ratios mean →

Earnings posture at Century Bank of Kentucky, Inc.

Return on Assets (ROA)
85th percentile nationally
1.78%
Return on Equity (ROE)
20.80%
Efficiency Ratio
56.64%

What these mean →

Income & expense at Century Bank of Kentucky, Inc.

$11M
Interest Income
$931K
Non-Interest Income
$5M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Century Bank of Kentucky, Inc. reports a Texas Ratio of 0.00% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

0.00% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Century Bank of Kentucky, Inc. 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 ($202M here), outside Kentucky so the neighborhood is not state containment.

First Community Bank and Trust $202M · IL First Texas National Bank $202M · TX Central Bank and Trust $202M · WY Gouverneur Savings and Loan Associati… $202M · NY

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Century Bank of Kentucky, Inc. (FDIC Cert #35450) - 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.

Century Bank of Kentucky, Inc. 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%
Central Bank & Trust Co.Lexington $3.9B B 1.16%
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%