🏦Bank Scorer

CENTRAL BANK & TRUST CO.

LEXINGTON, KY · Supervised by FDIC

Est. 1938FDIC #15,815RSSD: FDIC-15815
Part ofCENTRAL BANCSHARES INC→ View all charters
Satisfactory Down

Current rating · Exam: July 2025

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.23%

Institution Profile

FDIC BankFind

Address

300 W Vine St, LEXINGTON, KY

County

Fayette County

Established

April 15, 1938

Total Assets

$4.0B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

July 1, 2025

Exam Type

Large Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Jul 2029(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$4.0B

Total Deposits

$3.1B

Net Loans

$2.9B

Net Income

$12M

ROA

1.23%

ROE

10.02%

Risk-Based Capital

16.01%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Branch Footprint

FDIC SOD 2025

Total Branches

28

Branch Deposits

$2.9B

1-Year Change

0

Rating History

CRA / FFIEC

Rating Trend

↓ Declining

Based on last 3 exams

13 previous ratings locked — dating back to 1991

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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