Central Bank & Trust Co.

Overview / Commentary
300 West Vine Street
Lexington, KY 40507

Central Bank & Trust Co. is headquartered in LEXINGTON and is the 5th largest bank in the state of Kentucky. It is also the 355th largest bank in the nation. It was established in 1938 and as of March of 2024, it had grown to 502 employees at 28 locations. Central Bank & Trust Co.'s money market rates are 9X the national average, and it has an A health rating.

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 Grade Components

FDIC Certificate #15815
Year Established1938
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.93%
Return on Equity - YTD8.08%
Annual Interest Income$42.2MM
Assets and Liabilities
AssetsQ1 2024vs Q1 2023$3.48B$3.56B
LoansQ1 2024vs Q1 2023$2.72B$2.38B
DepositsQ1 2024vs Q1 2023$2.75B$2.82B
Equity CapitalQ1 2024vs Q1 2023$400MM$366.8MM
Loan Loss AllowanceQ1 2024vs Q1 2023$30.6MM$28.5MM
Unbacked Noncurrent LoansQ1 2024vs Q1 2023$6.6MM$7.4MM
Real Estate OwnedQ1 2024vs Q1 2023$0$0
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* 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

0.70%$1-Savings Account
0.60%$1-Health Savings Account

Central Bank & Trust Co. Money Market Rates

4.10%*$500k*-Money Market Plus
OTHER TIERS: 1.20% $1 - $500k
3.60%*$500k*-Non-Personal Money Market Plus
OTHER TIERS: 0.70% $1 - $500k
1.90%*$250k*-Personal Central Money Market Account
OTHER TIERS: 0.85% $0 - $10k | 1.10% $10k - $50k | 1.40% $50k - $100k | 1.65% $100k - $250k
1.65%*$250k*-Non-Personal Central Money Market Account
OTHER TIERS: 0.70% $0 - $10k | 0.90% $10k - $50k | 1.15% $50k - $100k | 1.40% $100k - $250k

Central Bank & Trust Co. Checking Account Rates

1.10%*$50k*-Platinum Checking
OTHER TIERS: 0.60% $1 - $10k | 0.85% $10k - $50k
0.60%$1-Consumer Interest Checking
0.60%$1-Business Interest Checking
0.60%$1-Business 250 Interest Checking

Central Bank & Trust Co. CD Rates

4.75%$1k-5 Month CD Special
4.50%$1k-11 Month CD Special
4.00%$2.5k-1 Year Central Advantage CD Special
1.90%$500-1 Year CD
1.75%$500-2 Year CD
1.65%$500-3 Year CD
1.65%$500-4 Year CD
1.65%$500-5 Year CD
1.65%$1k-180 to 364 Day CD
1.40%$2.5k-90 to 179 Day CD
1.15%$5k-32 to 89 Day CD
0.90%$20k-7 to 31 Day CD

Central Bank & Trust Co. IRA Rates

1.90%$500-12 Month IRA
1.75%$500-24 Month IRA
1.65%$500-6 Month IRA
1.65%$500-36 Month IRA
1.65%$500-60 Month IRA
1.40%$100-18 Month Variable Rate IRA


Lexington Area

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