Central Bank & Trust Co. is a bank based in Lexington, Kentucky, established in 1938, with $4.0 billion in total assets across 28 branches. By Trust Grade it ranks 7th of 120 banks we track in Kentucky. Its capital ratio of 12.3% is stronger than 79% of similarly sized banks, versus a Kentucky median of 9.6%. It was profitable over the most recent period, with a 1.23% return on assets. No consumer complaints against Central Bank & Trust Co. appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Central Bank & Trust Co. compares to Kentucky peers
How we graded Central Bank & Trust Co.
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (12.3% capital ratio)
- Strongly profitable (ROA 1.23%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Central Bank & Trust Co. over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (28)
- 300 W Vine St, Lexington, KY 40507
- 256 Southland Dr, Lexington, KY 40503
- 100 E Reynolds Rd, Lexington, KY 40517
- 2233 Richmond Rd, Lexington, KY 40502
- 2347 Versailles Rd, Lexington, KY 40504
- 515 W New Circle Rd, Lexington, KY 40511
- 3270 Tates Creek Rd, Lexington, KY 40502
- 4090 Tates Creek Centre Dr, Lexington, KY 40517
- 3700 Harrodsburg Rd, Lexington, KY 40503
- 3101 Mapleleaf Dr, Lexington, KY 40509
- 1110 Pioneer Dr, Winchester, KY 40391
- 9300 Shelbyville Rd, Louisville, KY 40222
- 100 W Main St, Georgetown, KY 40324
- 410 Connector Rd, Georgetown, KY 40324
- 43 N Maple St, Winchester, KY 40391
- 7310 Turfway Rd, Florence, KY 41042
- 101 Brentwood Dr, Berea, KY 40403
- 321 W Main St, Louisville, KY 40202
- 350 W Main St, Richmond, KY 40475
- 2075 Dixie Hwy, Fort Mitchell, KY 41011
- 2443 Sir Barton Way, Lexington, KY 40509
- 2850 Turkeyfoot Rd, Crestview Hills, KY 41017
- 1471 Keene Rd, Nicholasville, KY 40356
- 649 E New Circle Rd, Lexington, KY 40505
- 4630 Taylorsville Rd, Louisville, KY 40220
- 301 N Main St, Nicholasville, KY 40356
- 9021 Us Highway 42, Union, KY 41091
- 3541 Outer Loop, Louisville, KY 40219
Are deposits at Central Bank & Trust Co. insured?
Yes. Central Bank & Trust Co. is an FDIC-insured bank (FDIC certificate #15815). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Central Bank & Trust Co.: frequently asked questions
Is Central Bank & Trust Co. a good bank?
Central Bank & Trust Co. earns a Bankzia Trust Grade of A (98/100, "Excellent"), based on a financial-strength score of 98/100 (it has no CFPB complaints on record). Strongly capitalized (12.3% capital ratio); Strongly profitable (ROA 1.23%).
Is Central Bank & Trust Co. FDIC-insured?
Yes. Central Bank & Trust Co. is a FDIC-insured bank (FDIC certificate #15815). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is Central Bank & Trust Co.?
Central Bank & Trust Co. holds $4.0 billion in total assets, ranking 7th of 120 banks we track in Kentucky. It operates 28 branches.
Does Central Bank & Trust Co. have CFPB complaints?
No CFPB complaints against Central Bank & Trust Co. appear in our data over the analysis window, which is typical for a bank of this size.
Similar Banks
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
