CENTRAL BANK&TRUST CO
LEXINGTON, KENTUCKY · FDIC Cert #15815
Capital & Safety Analysis
According to FDIC financial data, CENTRAL BANK&TRUST CO holds a Tier 1 capital ratio of 13.10%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning CENTRAL BANK&TRUST CO has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
CENTRAL BANK&TRUST CO shows strong financial health indicators. With $3.6B in assets and a Health Score of 77/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
Frequently Asked Questions
CENTRAL BANK&TRUST CO has a Bank Health Score of B (77/100). It holds a Tier 1 capital ratio of 13.10%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
CENTRAL BANK&TRUST CO holds $3.6B in total assets and $2.8B in total deposits. It is located in LEXINGTON, KENTUCKY (FDIC Certificate #15815).
CENTRAL BANK&TRUST CO has a Tier 1 capital ratio of 13.10%, classifying it as "Well-Capitalized." The nonperforming loan ratio is 0.23%, and the return on assets is 1.17%.
Yes. CENTRAL BANK&TRUST CO is FDIC-insured (Certificate #15815). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically regain access to funds within two business days.