CENTRAL BANCSHARES INC
Legal name: CENTRAL BANCSHARES, INC.
1 active bank · 2 merged/absorbed · $4.0B combined assets
RSSD ID: 2158156 (FFIEC NIC)
Combined Assets
$4.0B
CRA Rating Summary
At a Glance
Dominant CRA Rating
Satisfactory
1 of 1 bank · Meets expectations for community lending
Combined Assets
$4.0B
1 active bank
Financial Summary
FDIC Call ReportsAggregated from the most recent call report filings for all active charters.
Total Deposits
$3.1B
Net Income
$12M
ROA (avg)
1.23%
asset-weighted avg
Tier 1 Capital (avg)
0%
asset-weighted avg
Bank Charters
Each charter is examined independently for CRA compliance. Legacy entities were merged or absorbed during corporate consolidation.
CENTRAL BANK & TRUST CO.
LEXINGTON, KY · FDIC · $4.0B
SatisfactoryCENTRAL BANK OF JEFFERSON COUNTY
Merged 2017LOUISVILLE, KY · FDIC · $177M
SatisfactoryTHE SALT LICK DEPOSIT BANK
Merged 2013SALT LICK, KY · FDIC · $72M
Satisfactory
| Charter | Location | Regulator | Assets | Ownership | Current Rating | Exam Date |
|---|---|---|---|---|---|---|
| CENTRAL BANK & TRUST CO. | LEXINGTON, KY | FDIC | $4.0B | 100.0% | Satisfactory | Jul 2025 |
| CENTRAL BANK OF JEFFERSON COUNTYMerged 2017 | LOUISVILLE, KY | FDIC | $177M | — | Satisfactory | Oct 2012 |
| THE SALT LICK DEPOSIT BANKMerged 2013 | SALT LICK, KY | FDIC | $72M | — | Satisfactory | Dec 2012 |
CRA (Community Reinvestment Act) exams are conducted per charter, not per holding company. Asset figures are from the most recent FDIC call report.