Central Bank & Trust Co.

ROA: Strong

Lexington, KY | Charter: NM | Holding Company: CENTRAL BANCSHARES INC

Established: 1938-04-15

Total Assets

$3.94B

Total Deposits

$3.07B

Net Income

$44.1M

Branches

FDIC data last updated: April 2, 2026

Overview

Central Bank & Trust Co. is a community bank, headquartered in Lexington, KY. With $3.94B in total assets, Central Bank & Trust Co. holds a notable position in the U.S. banking landscape (Source: FDIC BankFind). The institution operates under a NM charter. It is part of the CENTRAL BANCSHARES INC holding company.

Central Bank & Trust Co. holds approximately $3.07B in total deposits (Source: FDIC BankFind). The bank operates 28 branches, indicating a more focused geographic footprint. Established 1938-04-15, the institution has a track record in the banking industry.

This profile uses publicly available government data to present a factual overview. It does not constitute an endorsement or recommendation of this institution. Consumers may wish to consider factors such as account fees, digital banking features, and customer service when evaluating any bank.

Financial Health Analysis

Return on Assets (ROA)

1.16%

National avg: 1.21%

Return on Equity (ROE)

9.64%

National avg: 11.47%

FDIC Insured

Yes

Up to $250,000 per depositor

Central Bank & Trust Co. reports a Return on Assets (ROA) of 1.16%, which is below the national average of 1.21%, which may indicate lower profitability relative to assets (Source: FDIC BankFind). In practical terms, an ROA of 1.16% means that for every $100 in assets, the bank generates approximately $1.16 in profit.

The bank's Return on Equity (ROE) is 9.64%, which is below the national average of 11.47%, which may indicate lower efficiency in generating shareholder returns (Source: FDIC BankFind). ROE measures how effectively a bank uses shareholder equity to generate profit.

Central Bank & Trust Co. reported positive net income of $44.1M in the most recent reporting period (Source: FDIC BankFind). Net income reflects overall profitability after all expenses, taxes, and provisions.

Past financial performance does not guarantee future stability or profitability. These metrics reflect a single reporting period and may vary from quarter to quarter. Consult a licensed financial professional before making banking decisions based on financial data.

Central Bank & Trust Co. vs. national average

Return on Assets (ROA)Below average

Central Bank & Trust Co.

1.16%

Nat'l avg

1.21%

Return on Equity (ROE)Below average

Central Bank & Trust Co.

9.64%

Nat'l avg

11.47%

National averages calculated from all active FDIC-insured banks.

Customer Experience

CFPB complaint data is not available for Central Bank & Trust Co.. This is common for smaller community banks and does not indicate a problem. The CFPB Consumer Complaint Database primarily tracks complaints for larger financial institutions that serve a high volume of consumers.

Branch and Access

Central Bank & Trust Co. operates 28 branches, indicating a focused geographic presence (Source: FDIC BankFind). Smaller branch networks are common among community banks that serve specific local markets.

The bank is headquartered in Lexington, KY. Consumers considering this institution may want to verify branch locations near their home or workplace, as headquarter location does not always indicate where branches are concentrated.

Branch access is one factor in choosing a bank. Consumers who primarily use mobile and online banking may prioritize digital features and rates over physical branch proximity.

View banks in KY

How Central Bank & Trust Co. compares to similar-sized banks

Bank	Assets	Deposits	ROA	Branches
Central Bank & Trust Co.	$3.94B	$3.07B	1.16%	28
Hanmi Bank	$7.82B	$6.69B	1.09%	34
Comenity Bank	$7.76B	$3.74B	4.91%	1
Bank of Colorado	$7.71B	$6.75B	1.07%	60
SMBC MANUBANK	$7.68B	$6.57B	-2.43%	8

Data Sources

FDIC BankFind: Financial data including total assets, deposits, net income, ROA, and ROE for all FDIC-insured institutions. https://banks.data.fdic.gov/

CFPB Consumer Complaint Database: Consumer complaint data by institution, including complaint volumes, response rates, and top issue categories. https://www.consumerfinance.gov/data-research/consumer-complaints/

Federal Reserve Economic Data (FRED): Interest rate benchmarks including the Federal Funds Rate, Treasury yields, and national savings rate averages. https://fred.stlouisfed.org/

BankRanked is not a bank, credit union, or financial advisor. This content is for educational purposes only and does not constitute financial advice. All data is sourced from publicly available government databases (FDIC, NCUA, CFPB, FRED). Consult a licensed financial professional before making banking decisions.