Central Bank & Trust Co.
Central Bank & Trust Co. reported total assets of $4.0 bn at Q2 2026, up 6.4% on a year earlier, the 332nd largest of 497 banks in our US coverage. The CET1 capital ratio at Central Bank & Trust Co. was 15.12%, and the uninsured share of Central Bank & Trust Co. was 35.13%. Source: FDIC Call Reports.
Key takeaways
- Central Bank & Trust Co. reports one of the lowest net charge-offs to average loans readings among banks of $1 bn to $10 bn: -0.04% at , where the median of the 339 banks is 0.06% (FDIC Call Reports).
- On return on equity (ROE), Central Bank & Trust Co. slipped from 299th to 336th among 500 US banks between and (1 = highest; FDIC Call Reports).
- Since , Central Bank & Trust Co. has taken over one institution; the latest was Central Bank of Jefferson County on (FDIC Call Reports).
What sets Central Bank & Trust Co. apart
How large is Central Bank & Trust Co.?
The balance sheet of Central Bank & Trust Co. at : assets $4.0 bn, deposits $3.1 bn, net loans $3.0 bn (loans equal to 95.66% of deposits). Securities make up 12.2% of total assets at Central Bank & Trust Co.. Since , when Central Bank & Trust Co. held $2.1 bn, its assets grew 95.2%. In the year to , deposits at Central Bank & Trust Co. rose 6.0% while its total assets rose 6.4%. At , Central Bank & Trust Co. employed 525 full-time equivalent staff across 29 offices, about $7.6 mn of assets per employee and $107.6 mn of deposits per office.
How much funding at Central Bank & Trust Co. is uninsured?
At Central Bank & Trust Co., uninsured deposits (above the FDIC limit) made up 35.13% of domestic deposits at (+1.60 pp on a year earlier); Central Bank & Trust Co. ranks 248th of 500 on this measure. In dollars, Central Bank & Trust Co. estimated $1.1 bn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $3.1 bn | +6.0% | 344th of 499 |
| Net loans and leases | $3.0 bn | +5.4% | 313th of 500 |
| Loan-to-deposit ratio | 95.66% | -0.52 pp | 98th of 500 |
| Tier 1 leverage ratio | 12.42% | +0.32 pp | 81st of 500 |
| Total risk-based capital ratio | 16.08% | +0.67 pp | 119th of 448 |
| Net interest margin | 4.05% | +0.11 pp | 126th of 500 |
| Return on assets (ROA) | 1.27% | +0.08 pp | 272nd of 500 |
| Efficiency ratio | 69.67% | -0.57 pp | 431st of 500 (1 = lowest) |
| Unrealized gain/loss on held-to-maturity securities | Loss of $225,000 | Narrowed by $48,000 | |
| Unrealized gain/loss on available-for-sale securities | Loss of $9.1 mn | Narrowed by $5.6 mn | |
| Noncurrent loans to total loans | 0.21% | +0.03 pp | 67th of 500 (1 = lowest) |
| Net charge-offs to average loans | -0.04% | -0.09 pp | 11th of 500 (1 = lowest) |
US rank of Central Bank & Trust Co.: 1 = highest unless marked 1 = lowest.
Balance sheet
Central Bank & Trust Co.: assets, deposits and loans
- Total assets $4.0bn
- Deposits $3.1bn
- Net loans $3.0bn
Capital and securities
The CET1 ratio of Central Bank & Trust Co. stood at 15.12% in , +0.70 pp year on year. Low and high at Central Bank & Trust Co. since : 11.95% () to 16.15% (). Equity capital of Central Bank & Trust Co. at : $502.8 mn, or 12.5% of total assets. Central Bank & Trust Co. also reported a total capital ratio of 16.08% for , and a tier 1 leverage ratio of 12.42%.
On held-to-maturity securities, Central Bank & Trust Co. carried an unrealized loss of $225,000 at , equal to 0.0% of equity capital. The loss narrowed by $48,000 over the year. Its deepest point: $1.8 mn in . The available-for-sale portfolio of Central Bank & Trust Co. showed an unrealized loss of $9.1 mn at ; the loss narrowed by $5.6 mn over the year.
Central Bank & Trust Co.: capital ratios
- Total capital 16%
- CET1 15%
- Tier 1 leverage 12%
Central Bank & Trust Co.: unrealized securities gains and losses
- Available for sale -$9mn
- Held to maturity -$225,000
Profitability and loan quality
For the year to , Central Bank & Trust Co. earned a return on equity of 10.25%; return on assets: 1.27%. Net interest margin at Central Bank & Trust Co.: 4.05%, +0.11 pp in a year. Central Bank & Trust Co. net income: $25.2 mn, up 14.7% year on year. The efficiency ratio of Central Bank & Trust Co. was 69.67%: about 70 cents cost per revenue dollar, against 52 cents at the median peer.
At , noncurrent loans were 0.21% of total loans at Central Bank & Trust Co.; net charge-offs: -0.04% of average loans. Gross loans and leases at Central Bank & Trust Co.: $3.0 bn, up 5.3% in a year.
Central Bank & Trust Co.: profitability
- Return on equity 10%
- Net interest margin 4.1%
- Return on assets 1.3%
Peer group of Central Bank & Trust Co.
The peer group of Central Bank & Trust Co. is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 3 share the charter type of Central Bank & Trust Co. (state nonmember bank), 6 sit in the same size group ($1 bn to $10 bn) and 0 have head offices in Kentucky. Against them, Central Bank & Trust Co. shows CET1 ratio 15.12% against a peer median of 13.93%, return on equity 10.25% against a peer median of 14.21% and uninsured deposit share 35.13% against a peer median of 46.64%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| California Bank of Commerce | National bank | CA | $4.0 bn | 13.93% | 9.68% | 50.40% | |
| Union Savings Bank | State-chartered stock savings and loan association | OH | $4.0 bn | not reported | 19.84% | 13.45% | |
| River Bank & Trust | State nonmember bank | AL | $4.0 bn | 12.57% | 16.87% | 42.89% | |
| Central Bank & Trust Co. | State nonmember bank | KY | $4.0 bn | 15.12% | 10.25% | 35.13% | |
| RCB Bank | State member bank | OK | $4.0 bn | 16.30% | 12.68% | 21.91% | |
| Commercial Bank of California | State nonmember bank | CA | $4.0 bn | 11.78% | 14.75% | 61.85% | |
| Sumitomo Mitsui Trust Bank (U.S.A.) Limited | State nonmember bank | NJ | $3.9 bn | 45.25% | 13.68% | 92.29% | |
. FDIC Call Reports.
Last eight quarters
Two years at Central Bank & Trust Co., to : assets +11.9%, deposits +11.9%, equity +18.3%. Staff 502 to 525; offices 28 to 29.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $3.6 bn | $3.6 bn | $3.7 bn | $3.8 bn | $3.9 bn | $3.9 bn | $4.0 bn | $4.0 bn |
| Total deposits | $2.8 bn | $2.9 bn | $2.9 bn | $2.9 bn | $3.1 bn | $3.1 bn | $3.1 bn | $3.1 bn |
| Bank equity capital | $425.0 mn | $433.5 mn | $445.4 mn | $457.2 mn | $470.6 mn | $482.3 mn | $490.4 mn | $502.8 mn |
| CET1 ratio | 13.44% | 13.71% | 14.04% | 14.42% | 14.80% | 14.80% | 15.02% | 15.12% |
| Return on equity (ROE) | 8.71% | 8.91% | 9.49% | 9.87% | 10.13% | 9.64% | 10.02% | 10.25% |
| Uninsured share of domestic deposits | 31.82% | 33.10% | 33.18% | 33.53% | 35.06% | 35.24% | 34.91% | 35.13% |
| Full-time equivalent employees | 502 | 500 | 506 | 515 | 517 | 520 | 518 | 525 |
| Number of offices | 28 | 28 | 28 | 28 | 28 | 28 | 29 | 29 |
FDIC Call Reports.
Mergers and acquisitions
The FDIC history of Central Bank & Trust Co., oldest first; figures before and after each event are not like for like.
- . Absorbed Central Bank of Jefferson County (FDIC certificate 34153).
Questions and identifiers
What were the total assets of Central Bank & Trust Co.?
Central Bank & Trust Co. reported $4.0 bn at in its Call Report. That makes Central Bank & Trust Co. the 332nd largest of 497 banks in our US coverage.
Is Central Bank & Trust Co. the same as its holding company?
No. This page covers Central Bank & Trust Co., FDIC certificate 15815; CENTRAL BANCSHARES INC (as reported to the FDIC), its holding company, reports separately to the Federal Reserve.
Is Central Bank & Trust Co. profitable?
Central Bank & Trust Co. reported net income of $25.2 mn for the year to ; annualized return on equity: 10.25%. So yes: Central Bank & Trust Co. made a profit over these months.
When is data for Central Bank & Trust Co. next updated?
Figures from Central Bank & Trust Co. for are due after .
Where can I check the figures for Central Bank & Trust Co.?
In the FDIC BankFind Suite record for certificate 15815, and in the Call Reports of Central Bank & Trust Co. (RSSD ID 1007015) at the FFIEC Central Data Repository.