Central Bank&Trust Co
Lexington, Kentucky · FDIC Cert #15815
Central Bank&Trust Co is an FDIC-insured bank (Certificate #15815) with $3.6B in total assets and $2.8B in total deposits as of the Q2 2024 Call Report. Headquartered in Lexington, Kentucky, the bank maintains a Tier 1 capital ratio of 13.10% (Well-Capitalized) and a nonperforming loan ratio of 0.23%. BankHealthData assigns a composite Health Grade of B (77/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Central Bank&Trust Co (FDIC cert 15815) is a mid-sized bank with $3.6B in total assets and $2.8B in deposits, based in Lexington, Kentucky. Mid-sized banks typically operate regionally with a mix of commercial and consumer lending.
Capital position is strong: Tier 1 capital ratio of 13.10% sits comfortably above the 8% well-capitalized regulatory threshold and the 10% well-capitalized-plus floor for community banks. Strong capital is the first line of defense against unexpected loan losses. Asset quality is clean: non-performing loan ratio of 0.23% is below 0.5% — well within the healthy range for U.S. community and regional banks. Clean NPL ratios reflect either disciplined underwriting, a low-credit-risk loan mix, or both. Liquidity is in the normal range: 16.3% liquid assets relative to total assets — adequate for standard operating needs and routine deposit outflows.
Profitability is solid: ROA of 1.17% sits at or near the 1% benchmark for healthy U.S. banks. Net interest income, fee income, and operating efficiency are all in workable shape. Health-score trend is declining materially over the most recent quarters. Declining trends warrant attention — banks in this pattern often face follow-on regulatory engagement and elevated supervisory scrutiny. Central Bank&Trust Co carries a composite BankHealth grade of B (77/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Central Bank&Trust Co
- Total Assets
- $3.6B
- Total Deposits
- $2.8B
- Tier 1 Capital Ratio
- 13.10%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 0.23%
- Liquidity Ratio
- 16.34%
- Return on Assets
- 1.17%
- Headquarters
- Lexington, Kentucky
- FDIC Certificate
- #15815
- Health Grade
- B (77/100)
- Latest Call Report
- Q2 2024
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.
How Central Bank&Trust Co Compares
Central Bank&Trust Co’s Health Score of 77 is 5 points above the Kentucky state average of 72 across 103 FDIC-insured banks. Its 13.10% Tier 1 capital ratio is 0.9 points below the US banking industry average near 14%. The 0.23% nonperforming loan ratio is lower than the industry norm (~0.8%), indicating cleaner loan quality than peers. Return on assets of 1.17% is in line with or above the national ROA benchmark of ~1.1%. Among 399 similarly-sized banks, the average Health Score is 73, meaning this bank ranks above its size cohort. Site-wide, Central Bank&Trust Co is 7 points above the portfolio average of 70.
Frequently Asked Questions
Central Bank&Trust Co has a Bank Health Score of B (77/100), placing it in solid financial health. 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.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Central Bank&Trust Co's Tier 1 capital ratio of 13.10% and nonperforming loan ratio of 0.23% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Central Bank&Trust Co is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #15815). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Central Bank&Trust Co holds $3.6B in total assets and $2.8B in total deposits. It is headquartered in Lexington, Kentucky (FDIC Certificate #15815).
Central Bank&Trust Co has a Tier 1 capital ratio of 13.10%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's 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 — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An B grade on our Bank Health Score means 70-84/100 — solid financial position with no major stress signals. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Central Bank&Trust Co's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.