Central Bank & Trust Company 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.
| 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 |
New American Funding, LLC NMLS ID: 6606 / Updated 2023-03-29 |
Cash-Out and Home Equity Options Available. | $0 |
|
Intro APR: 7.490 %
After Intro:8.500 % Intro Period: 12 months |
$25,000 |
AimLoan.com NMLS#2890 NMLS ID: 2890 / Updated 2023-03-29 |
Home Equity Loan - 15 Year Fixed Rate | $0 |
| HELOC approval in 5 minutes, funding in 5 days. Borrow up to $400k online. | $0 |
|
6.990 %
|
$0 |
Quicken Loans NMLS #3030 NMLS ID: 3030 |
7.010% |
$1,643
Fees & Points
$3,438 Total
0.875 Pts ($2,188) $1,250 Fees |
Northpointe Bank NMLS ID: 447490 |
5.959% |
$1,479
Fees & Points
$2,285 Total
0.914 Pts ($2,285) $0 Fees |
Rocket Mortgage NMLS ID: 3030 |
6.620% |
$1,581
Fees & Points
$3,125 Total
0.750 Pts ($1,875) $1,250 Fees |
Eligibility.org NMLS ID: Not lender |
Fees & Points
Total
Pts ($0) $0 Fees |
| FDIC Insured | Yes |
| FDIC Certificate | # 15815 |
| Date Established | 1938 |
| Assets | $ 3.85 billion |
| Loans | $ 2.20 billion |
| Deposits | $ 3.14 billion |
| Capital | $ 345.28 million |
| ASSETS | |
| Cash & Balances due from depository institutions | $ 229.14 million |
| Interest-bearing balances | $ 169.10 million |
| Total securities | $ 1,259.52 million |
| Federal funds sold and reverse repurchase | N.A. |
| Net loans and leases | $ 2.20 billion |
| Loan loss allowance | $ 25.14 million |
| Trading account assets | N.A. |
| Bank premises and fixed assets | N.A. |
| Other real estate owned | $ 0.39 million |
| Goodwill and other intangibles | $ 14.55 million |
| All other assets | $ 53.93 million |
| Total Assets | $ 3.53 billion |
| LIABILITIES | |
| Total deposits | $ 3.14 billion |
| Interest-bearing deposits | $ 1,787.88 million |
| Deposits held in domestic offices | $ 3.14 billion |
| % insured (estimated) | 68.66% |
| Federal funds purchased and repurchase agreements | $ 255.63 million |
| Trading liabilities | N.A. |
| Other borrowed funds | $ 25.05 million |
| Subordinated debt | N.A. |
| All other liabilities | $ 107.81 millionn |
| Total Liabilities | $ 3.53 billion |
| Shareholders’ Equity | $ 323.13 million |
| INCOME AND EXPENSES | |
| Total Interest Income | $ 79.06 million |
| Total Interest Expense | $ 4.75 million |
| Net interest income | $ 74.31 million |
| Provision for loan and lease losses | $ 3.32 million |
| Total non interest income | $ 32.21 million |
| Total non interest expense | $ 86.44 million |
| Pre-tax Net Operating Income | $ 9.05 million |
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This analysis is for demonstrative purposes only. Savings rates may go up or down, and CD rates may not be renewable for the length of the term of the analysis.
Tax Rate: 30%
All calculations are for demonstration purposes only.
| Year | Rate 0.20% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 100 | 70 |
| 2 | 50,100 | 100 | 70 |
| 3 | 50,200 | 100 | 70 |
| 4 | 50,301 | 101 | 70 |
| 5 | 50,401 | 101 | 71 |
| 6 | 50,502 | 101 | 71 |
| 7 | 50,603 | 101 | 71 |
| 8 | 50,704 | 101 | 71 |
| 9 | 50,806 | 102 | 71 |
| 10 | 50,907 | 102 | 71 |
| 11 | 51,009 | 102 | 71 |
| 12 | 51,111 | 102 | 72 |
| 13 | 51,213 | 102 | 72 |
| 14 | 51,316 | 103 | 72 |
| 15 | 51,418 | 103 | 72 |
| 16 | 51,521 | 103 | 72 |
| 17 | 51,624 | 103 | 72 |
| 18 | 51,727 | 103 | 72 |
| 19 | 51,831 | 104 | 73 |
| 20 | 51,935 | 104 | 73 |
| TOTAL | $2,038 | $1,427 |
| Year | Rate 4.10% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 2,050 | 1,435 |
| 2 | 52,050 | 2,134 | 1,494 |
| 3 | 54,184 | 2,222 | 1,555 |
| 4 | 56,406 | 2,313 | 1,619 |
| 5 | 58,718 | 2,407 | 1,685 |
| 6 | 61,126 | 2,506 | 1,754 |
| 7 | 63,632 | 2,609 | 1,826 |
| 8 | 66,241 | 2,716 | 1,901 |
| 9 | 68,957 | 2,827 | 1,979 |
| 10 | 71,784 | 2,943 | 2,060 |
| 11 | 74,727 | 3,064 | 2,145 |
| 12 | 77,791 | 3,189 | 2,233 |
| 13 | 80,980 | 3,320 | 2,324 |
| 14 | 84,300 | 3,456 | 2,419 |
| 15 | 87,757 | 3,598 | 2,519 |
| 16 | 91,355 | 3,746 | 2,622 |
| 17 | 95,100 | 3,899 | 2,729 |
| 18 | 98,999 | 4,059 | 2,841 |
| 19 | 103,058 | 4,225 | 2,958 |
| 20 | 107,284 | 4,399 | 3,079 |
| TOTAL | $61,682 | $43,178 |
| Year | Rate 4.30% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 2,150 | 1,505 |
| 2 | 52,150 | 2,242 | 1,570 |
| 3 | 54,392 | 2,339 | 1,637 |
| 4 | 56,731 | 2,439 | 1,708 |
| 5 | 59,171 | 2,544 | 1,781 |
| 6 | 61,715 | 2,654 | 1,858 |
| 7 | 64,369 | 2,768 | 1,938 |
| 8 | 67,137 | 2,887 | 2,021 |
| 9 | 70,024 | 3,011 | 2,108 |
| 10 | 73,035 | 3,140 | 2,198 |
| 11 | 76,175 | 3,276 | 2,293 |
| 12 | 79,451 | 3,416 | 2,391 |
| 13 | 82,867 | 3,563 | 2,494 |
| 14 | 86,430 | 3,717 | 2,602 |
| 15 | 90,147 | 3,876 | 2,713 |
| 16 | 94,023 | 4,043 | 2,830 |
| 17 | 98,066 | 4,217 | 2,952 |
| 18 | 102,283 | 4,398 | 3,079 |
| 19 | 106,681 | 4,587 | 3,211 |
| 20 | 111,268 | 4,785 | 3,349 |
| TOTAL | $66,053 | $46,237 |
| Year | Rate 4.50% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 2,250 | 1,575 |
| 2 | 52,250 | 2,351 | 1,646 |
| 3 | 54,601 | 2,457 | 1,720 |
| 4 | 57,058 | 2,568 | 1,797 |
| 5 | 59,626 | 2,683 | 1,878 |
| 6 | 62,309 | 2,804 | 1,963 |
| 7 | 65,113 | 2,930 | 2,051 |
| 8 | 68,043 | 3,062 | 2,143 |
| 9 | 71,105 | 3,200 | 2,240 |
| 10 | 74,305 | 3,344 | 2,341 |
| 11 | 77,648 | 3,494 | 2,446 |
| 12 | 81,143 | 3,651 | 2,556 |
| 13 | 84,794 | 3,816 | 2,671 |
| 14 | 88,610 | 3,987 | 2,791 |
| 15 | 92,597 | 4,167 | 2,917 |
| 16 | 96,764 | 4,354 | 3,048 |
| 17 | 101,119 | 4,550 | 3,185 |
| 18 | 105,669 | 4,755 | 3,329 |
| 19 | 110,424 | 4,969 | 3,478 |
| 20 | 115,393 | 5,193 | 3,635 |
| TOTAL | $70,586 | $49,410 |
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