CENTRAL BANK&TRUST CO

FDIC #15815 · KY · period 20260630

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Total assets2,054,600-4.09% YoY

Total deposits1,696,319-4.54% YoY

Net loans and leases1,531,848-8.63% YoY

Return on assets0.93%+21.93% YoY

Return on equity8.81%+23.39% YoY

Net interest margin3.72%-2.02% YoY

Peer position

Return on assets51stin line · n=902

Return on equity36thin line · n=894

Net interest margin72ndstrength · n=902

Equity to assets81ststrength · n=894

Noncurrent loans77thstrength · n=887

Liquid assets54thin line · n=895

Brokered deposits46thin line · n=890

Loans to deposits25thopportunity · n=890

Ten-year reported history

Period	Assets	Deposits	Loans	ROA	ROE	NIM
2016-03-31	2,054,600	1,696,319	1,531,848	0.93	8.81	3.72
2016-06-30	2,094,931	1,739,106	1,556,750	0.87	8.26	3.70
2016-09-30	2,098,124	1,738,386	1,582,646	0.87	8.25	3.71
2016-12-31	2,134,899	1,772,249	1,641,105	0.78	7.40	3.72
2017-03-31	2,142,301	1,777,061	1,676,604	0.76	7.14	3.80
2017-06-30	2,316,151	1,942,659	1,851,995	0.80	7.27	3.88
2017-09-30	2,350,869	1,932,265	1,921,904	0.86	7.74	3.92
2017-12-31	2,408,261	1,993,197	1,973,698	0.76	6.83	3.94
2018-03-31	2,488,944	2,048,315	1,990,489	1.14	10.26	3.94
2018-06-30	2,511,602	2,055,715	2,018,027	1.12	10.12	3.97
2018-09-30	2,544,804	2,072,059	2,013,297	1.14	10.22	3.97
2018-12-31	2,599,709	2,110,148	2,060,873	1.14	10.23	3.98
2019-03-31	2,605,823	2,079,164	2,065,037	1.39	12.20	4.04
2019-06-30	2,676,109	2,145,385	2,112,764	1.21	10.57	4.03
2019-09-30	2,701,186	2,158,138	2,063,825	1.20	10.48	4.04
2019-12-31	2,762,148	2,219,052	2,032,103	1.16	10.11	3.99
2020-03-31	2,733,532	2,172,480	2,008,977	0.87	7.48	3.71
2020-06-30	3,146,079	2,541,371	2,359,550	0.72	6.38	3.64
2020-09-30	3,120,295	2,532,368	2,344,650	0.76	6.82	3.60
2020-12-31	3,269,024	2,678,757	2,320,755	0.51	4.69	3.55
2021-03-31	3,455,295	2,851,917	2,395,174	1.07	10.47	3.22
2021-06-30	3,474,642	2,863,013	2,369,958	0.99	9.75	3.18
2021-09-30	3,669,339	3,017,063	2,137,563	0.99	9.79	3.15
2021-12-31	3,890,954	3,236,993	2,055,082	0.88	8.88	3.00
2022-03-31	3,850,709	3,112,047	2,054,579	0.35	3.73	2.41
2022-06-30	3,849,426	3,123,550	2,090,979	0.42	4.57	2.52
2022-09-30	3,871,572	3,135,697	2,202,861	0.50	5.51	2.71
2022-12-31	3,821,266	2,992,720	2,328,852	0.56	6.06	2.92
2023-03-31	3,559,757	2,817,492	2,382,340	0.96	9.82	3.92
2023-06-30	3,601,189	2,659,878	2,476,769	0.99	9.93	3.85
2023-09-30	3,565,049	2,703,867	2,568,683	0.97	9.59	3.79
2023-12-31	3,441,698	2,736,137	2,657,735	0.95	9.17	3.78
2024-03-31	3,479,689	2,751,861	2,722,090	0.93	8.08	3.86
2024-06-30	3,565,058	2,753,545	2,816,426	0.96	8.40	3.86
2024-09-30	3,583,805	2,787,778	2,808,194	1.01	8.71	3.90
2024-12-31	3,643,067	2,855,943	2,832,758	1.04	8.91	3.92
2025-03-31	3,747,261	2,933,294	2,841,850	1.13	9.49	3.91
2025-06-30	3,770,893	2,944,161	2,831,786	1.18	9.87	3.95
2025-09-30	3,928,323	3,064,034	2,843,563	1.21	10.13	3.97
2025-12-31	3,943,327	3,073,285	2,892,205	1.16	9.64	3.98
2026-03-31	3,992,204	3,114,713	2,912,352	1.23	10.02	3.95
2026-06-30	4,011,565	3,119,859	2,984,449	1.27	10.25	4.05

Structure and branch footprint

29 current branch locations across 1 states as of 2026-08-22. This is an annual branch-location count, not deposit market share.

Date	Code	Predecessor RSSD	Successor RSSD
2017-06-01	1	2435660	1007015
2011-01-18	1	2650306	1007015
1998-08-31	1	348074	1007015

Reviewed intelligence

No reviewed or published intelligence is linked to this institution.

Scope and limitations

Financial facts are scoped to the FDIC-insured bank. NIC transformations use the linked RSSD identity; SEC issuer and bank-holding-company facts are not silently combined. Branch data follows its annual source cadence. Intelligence appears only after review or publication.