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Central Bank & Trust Co.


Overview / Commentary
www.centralbank.com
859-253-6013
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 344th largest bank in the nation. It was established in 1938 and as of March of 2023, it had grown to 499 employees at 28 locations. Central Bank & Trust Co.'s CD rates are 3X the national average, and it has a B+ health rating.

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Reviews (1)

Great Local Bank

Posted by: |

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!

2


Health
B+

Data as of Q1 2023

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #15815
Year Established1938
Employees499
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.96%
Return on Equity - YTD9.82%
Annual Interest Income$36.9MM
Assets and Liabilities
AssetsQ1 2023vs Q1 2022$3.56B$3.85B
LoansQ1 2023vs Q1 2022$2.38B$2.05B
DepositsQ1 2023vs Q1 2022$2.82B$3.11B
Equity CapitalQ1 2023vs Q1 2022$366.8MM$354.7MM
Loan Loss AllowanceQ1 2023vs Q1 2022$28.5MM$23.5MM
Unbacked Noncurrent LoansQ1 2023vs Q1 2022$7.4MM$15.2MM
Real Estate OwnedQ1 2023vs Q1 2022$0$385.00K
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
0.20%$1-Health Savings Account
0.20%$1-Savings Account

Central Bank & Trust Co. Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.15%*$250k*-Personal Central Money Market Account
OTHER TIERS: 0.35% → Up to $10k | 0.45% → $10k - $50k | 0.65% → $50k - $100k | 0.90% → $100k - $250k
0.85%*$250k*-Non-Personal Central Money Market Account
OTHER TIERS: 0.25% → Up to $10k | 0.40% → $10k - $50k | 0.55% → $50k - $100k | 0.70% → $100k - $250k
0.35%--Money Market
0.35%$1-Money Market Plus

Central Bank & Trust Co. Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.50%*$50k*-Platinum Checking
OTHER TIERS: 0.20% → $1 - $10k | 0.35% → $10k - $50k
0.20%$1-Consumer Interest Checking
0.20%$1-Business Interest Checking
0.20%$1-Business 250 Interest Checking

Central Bank & Trust Co. CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.50%$1k-11 Month CD Special
3.00%$2.5k-1 Year Central Advantage CD Special
1.25%$500-1 Year CD
1.25%$500-2 Year CD
1.25%$500-3 Year CD
1.25%$500-4 Year CD
1.25%$500-5 Year CD
0.90%$1k-180 to 364 Day CD
0.65%$2.5k-90 to 179 Day CD
0.50%$5k-32 to 89 Day CD
0.40%$20k-7 to 31 Day CD

Central Bank & Trust Co. IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.15%$500-12 Month IRA
1.15%$500-24 Month IRA
1.15%$500-36 Month IRA
1.15%$500-60 Month IRA
0.80%$500-6 Month IRA
0.55%$100-18 Month Variable Rate IRA
Locations

Availability



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