Overview / Commentary
859-253-6013
300 West Vine Street
Lexington, KY 40507

Central Bank & Trust Co. is headquartered in Lexington and is the 4th largest bank in the state of Kentucky. It is also the 356th largest bank in the nation. It was established in 1938 and as of March of 2018, it had grown to 501 employees at 26 locations. Central Bank & Trust Co.'s money market rates are 36% higher than the national average, and it boasts an A+ health rating.

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Reviews (1)

Great Local Bank

Central Bank is an incredible local Bank in Central Kentucky. They strive for excellent customer service and the people are just as friendly as they can be. I would recommend this bank to anyone who needs a checking account with minimal fees and a helping community!



Health
A+

Health Grade Components

Overall
FDIC Certificate #15815
Year Established1938
Employees501
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD1.14%
Return on Equity - YTD10.26%
Annual Interest Income$24.7MM
Assets and Liabilities
AssetsQ1 2018vs Q1 2017$2.49B$2.14B
LoansQ1 2018vs Q1 2017$1.99B$1.68B
DepositsQ1 2018vs Q1 2017$2.05B$1.78B
Equity CapitalQ1 2018vs Q1 2017$274.0MM$229.4MM
Loan Loss AllowanceQ1 2018vs Q1 2017$20.9MM$19.8MM
Unbacked Noncurrent LoansQ1 2018vs Q1 2017$13.2MM$25.1MM
Real Estate OwnedQ1 2018vs Q1 2017$2.6MM$4.9MM
Rates
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Always verify rates and promotions with the bank or credit union. We are not Central Bank & Trust Co.; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Central Bank & Trust Co. Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.25%--Health Savings Accounts
0.20%--Savings Accounts

Central Bank & Trust Co. Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.60%*$250k*-Personal Central Money Market
OTHER TIERS: 0.20% Up to $10k | 0.30% $10k - $50k | 0.40% $50k - $100k | 0.50% $100k - $250k
0.40%*$250k*-Non-Personal Central Money Market
OTHER TIERS: 0.20% Up to $50k | 0.25% $50k - $100k | 0.30% $100k - $250k
0.20%--Money Market
0.20%--Money Market Plus

Central Bank & Trust Co. Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.45%*$50k*-Platinum Checking
OTHER TIERS: 0.20% Up to $10k | 0.30% $10k - $50k
0.20%--Consumer Interest Checking
0.20%--Business Interest Checking
0.20%--Business 250 Interest Checking

Central Bank & Trust Co. CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.75%$500-5 Year CD
2.25%$500-4 Year CD
2.18%$2.5k-1 Year CD Management Account - Variable - Special
1.50%$500-3 Year CD
1.25%$500-2 Year CD
0.90%$500-1 Year CD
0.75%$2.5k-1 Year CentralAdvantage CD - Special
0.60%$1k-180-364 Day CD
0.35%$2.5k-90-179 Day CD
0.25%$5k-32-89 Day CD
0.20%$20k-7-31 Day CD

Central Bank & Trust Co. IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.75%$500-60 Month Fixed Rate IRA
1.50%$500-36 Month Fixed Rate IRA
1.25%$500-24 Month Fixed Rate IRA
0.90%$500-12 Month Fixed Rate IRA
0.60%$500-6 Month Fixed Rate IRA
0.50%$100-18 Month Variable Rate IRA
Locations

Availability



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