Total Assets
$4.0B
Total Deposits
$3.1B
Branches
28
Established
1938
Central Bank & Trust Co. is a bank headquartered in Lexington, Kentucky, established in 1938. It holds $4.0B in total assets across 28 branch locations. In our editorial opinion, based on public FDIC/NCUA data, Central Bank & Trust Co. earns a TFS Financial Health Grade of B+ (85.8/100) — our editorial assessment, not an official rating or financial advice.
TFS Health Grade
85.8 / 100
Good financial health
How we gradeTFS Health Grades are our editorial opinion based on public FDIC/NCUA data — not an official rating, not financial advice.
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Financial data through June 30, 2026. Updated by TFS August 28, 2026. Data sourced from FDIC BankFind Suite as of 2026-Q2. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
Data sourced from CFPB Consumer Complaint Database. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
| Branch | Address | City | State | Type |
|---|---|---|---|---|
| Central Bank & Trust Co.HQ | 300 W Vine St | Lexington | KY | 11 |
| Central Bank & Trust Co. | 101 Brentwood Dr | Berea | KY | 11 |
| Central Bank & Trust Co. | 2850 Turkeyfoot Rd | Crestview Hills | KY | 11 |
| Central Bank & Trust Co. | 7310 Turfway Rd | Florence | KY | 11 |
| Central Bank & Trust Co. | 2075 Dixie Hwy | Fort Mitchell | KY | 11 |
| Central Bank & Trust Co. | 100 W Main St | Georgetown | KY | 11 |
| Central Bank & Trust Co. | 410 Connector Rd | Georgetown | KY | 11 |
| Central Bank & Trust Co. | 2347 Versailles Rd | Lexington | KY | 11 |
| Central Bank & Trust Co. | 515 W New Circle Rd | Lexington | KY | 11 |
| Central Bank & Trust Co. | 3270 Tates Creek Rd | Lexington | KY | 11 |
| Central Bank & Trust Co. | 4090 Tates Creek Centre Dr | Lexington | KY | 11 |
| Central Bank & Trust Co. | 3700 Harrodsburg Rd | Lexington | KY | 11 |
| Central Bank & Trust Co. | 3101 Mapleleaf Dr | Lexington | KY | 11 |
| Central Bank & Trust Co. | 2443 Sir Barton Way | Lexington | KY | 11 |
| Central Bank & Trust Co. | 256 Southland Dr | Lexington | KY | 11 |
| Central Bank & Trust Co. | 649 E New Circle Rd | Lexington | KY | 11 |
| Central Bank & Trust Co. | 100 E Reynolds Rd | Lexington | KY | 11 |
| Central Bank & Trust Co. | 2233 Richmond Rd | Lexington | KY | 11 |
| Central Bank & Trust Co. | 3541 Outer Loop | Louisville | KY | 11 |
| Central Bank & Trust Co. | 4630 Taylorsville Rd | Louisville | KY | 11 |
| Central Bank & Trust Co. | 9300 Shelbyville Rd | Louisville | KY | 11 |
| Central Bank & Trust Co. | 321 W Main St | Louisville | KY | 11 |
| Central Bank & Trust Co. | 1471 Keene Rd | Nicholasville | KY | 11 |
| Central Bank & Trust Co. | 301 N Main St | Nicholasville | KY | 11 |
| Central Bank & Trust Co. | 350 W Main St | Richmond | KY | 11 |
| Central Bank & Trust Co. | 9021 Us Highway 42 | Union | KY | 11 |
| Central Bank & Trust Co. | 1110 Pioneer Dr | Winchester | KY | 11 |
| Central Bank & Trust Co. | 43 N Maple St | Winchester | KY | 11 |
Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
Data sourced from FDIC Enforcement Decisions and Orders / NCUA. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
TFS Financial Health Grades represent our editorial assessment based on publicly available data and our proprietary methodology. They do not represent financial advice or an official government rating. Data on this page is sourced from federal government databases and is believed to be accurate.
Benchmarked against 60 active, federally insured banks reporting in the same quarter and holding roughly 0.5×–2× its assets. Same-state and overlapping-market peers are prioritized.
TFS health score
85.8
Tier 1 capital ratio
12.42%
Return on assets
1.27%
Non-performing loans
0.21%
Efficiency ratio
69.67%
Asset growth (YoY)
6.38%
Suggested direct comparisons
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Complaint percentiles are intentionally withheld while TFS audits CFPB company matching and import coverage. Peer conclusions use complete same-quarter regulatory metrics only.