Central Bank & Trust Co. is headquartered in Lexington and is the 4th largest bank in the state of Kentucky. It is also the 323rd largest bank in the nation. It was established in 1938 and as of December of 2021, it had grown to 514 employees at 28 locations. Central Bank & Trust Co. has an A health rating.
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!
Overall | |
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FDIC Certificate # | 15815 |
Year Established | 1938 |
Employees | 514 |
Primary Regulator | FDIC |
Profit Margin | |
---|---|
Return on Assets - YTD | 0.88% |
Return on Equity - YTD | 8.88% |
Annual Interest Income | $106.6MM |
Assets and Liabilities | ||
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Assets | Q4 2021vs Q4 2020 | $3.89B$3.27B |
Loans | Q4 2021vs Q4 2020 | $2.06B$2.32B |
Deposits | Q4 2021vs Q4 2020 | $3.24B$2.68B |
Equity Capital | Q4 2021vs Q4 2020 | $364.7MM$339.0MM |
Loan Loss Allowance | Q4 2021vs Q4 2020 | $24.0MM$25.2MM |
Unbacked Noncurrent Loans | Q4 2021vs Q4 2020 | $15.1MM$22.3MM |
Real Estate Owned | Q4 2021vs Q4 2020 | $385.00K$1.4MM |
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.
APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
---|---|---|---|---|
0.05% | $1 | - | Health Savings Account | |
0.05% | $1 | - | Savings Account |
APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS | |
---|---|---|---|---|---|
0.10%* | $50k* | - | Platinum Checking | ||
OTHER TIERS: 0.05% → $1 - $50k | |||||
0.05% | $1 | - | Consumer Interest Checking | ||
0.05% | $1 | - | Business Interest Checking | ||
0.05% | $1 | - | Business 250 Interest Checking |
APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
---|---|---|---|---|
0.50% | $500 | - | 60 Month IRA | |
0.30% | $500 | - | 36 Month IRA | |
0.20% | $500 | - | 24 Month IRA | |
0.15% | $500 | - | 6 Month IRA | |
0.15% | $500 | - | 12 Month IRA | |
0.15% | $100 | - | 18 Month Variable Rate IRA |