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Central Bank & Trust Co.


Central Bank & Trust Co. is an FDIC insured institution headquartered at 300 W Vine St, Lexington, KY 40507.
It was founded in 1938 and has approximately $4 billion in assets. Customers can open an account at one of its 26 branches.

Deposit Rates - July 11, 2025

SAVINGS RATES APY MIN
Savings
0.05% $2,500 Compare
CD RATES APY MIN
6 Mo CD
0.20% $10,000 Compare
6 Mo CD
0.20% $100,000 Compare
Special: 12 Mo CD
0.15% $2,500 Compare
Special: 12 Mo CD
0.17% $2,500 Compare
12 Mo CD
0.20% $10,000 Compare
12 Mo CD
0.20% $100,000 Compare
24 Mo CD
0.30% $10,000 Compare
24 Mo CD
0.30% $100,000 Compare
36 Mo CD
0.50% $10,000 Compare
36 Mo CD
0.50% $100,000 Compare
48 Mo CD
0.55% $10,000 Compare
48 Mo CD
0.55% $100,000 Compare
60 Mo CD
0.65% $10,000 Compare
60 Mo CD
0.65% $100,000 Compare
MM RATES APY MIN
Money Market
0.05% $2,500 Compare
Money Market
0.05% $10,000 Compare
Money Market
0.05% $25,000 Compare
INT CHECKING RATES APY MIN
Int Ckg
0.05% $2,500

Overview 2025

General Bank Information

FDIC Insured Yes
FDIC Certificate # 15815
Date Established 1938
Assets $ 3.75 billion
Loans $ 2.84 billion
Deposits $ 2.93 billion
Capital $ 445.43 million

Summary Balance Sheet as of December 31, 2024

ASSETS
Cash & Balances due from depository institutions $ 275.21 million
Interest-bearing balances $ 209.00 million
Total securities $ 471.31 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 2.84 billion
Loan loss allowance $ 29.51 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles $ 14.45 million
All other assets $ 53.93 million
     Total Assets $ 3.30 billion

LIABILITIES
Total deposits $ 2.93 billion
      Interest-bearing deposits $ 1,873.30 million
      Deposits held in domestic offices $ 2.93 billion
      % insured (estimated)" 70.43%
Federal funds purchased and repurchase agreements $ 217.48 million
Trading liabilities N.A.
Other borrowed funds $ 25.05 million
Subordinated debt N.A.
All other liabilities $ 107.81 millionn
      Total Liabilities $ 3.30 billion
      Shareholders’ Equity $ 445.43 million

Summary Income Statement as of December 31, 2024

INCOME AND EXPENSES
Total Interest Income $ 46.92 million
Total Interest Expense $ 12.98 million
Net interest income $ 33.94 million
Provision for loan and lease losses $ 0.07 million
Total non interest income $ 11.69 million
Total non interest expense $ 32.68 million
Pre-tax Net Operating Income $ 9.05 million

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Central Bank & Trust Co. Locations

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