Loading bank profile
Data through Q3 2026 · 4,200 institutions
Regulatory profile
Lawrenceburg, KY · FDIC certificate #35450
CENTURY BANK OF KENTUCKY INC is an FDIC-insured institution based in Lawrenceburg, KY (FDIC certificate #35450). In its Q3 2026 Call Report it reported total assets of $216M, total deposits of $191M and net loans of $149M. Its primary federal regulator is FDIC.
Plain-language readout
CENTURY BANK OF KENTUCKY INC has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $216M in Q3 2026 and were lowest at $204M in Q1 2026.
Total deposits were highest at $191M in Q3 2026 and lowest at $185M in Q1 2026.
Over the whole period total assets rose 5.5%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $216M | $191M | $149M | 2.21% | 24.70% | 4.09% |
| Q2 2026 | $208M | $188M | $142M | 2.17% | 23.77% | 4.03% |
| Q1 2026 | $204M | $185M | $139M | 2.09% | 23.28% | 3.93% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $6.1M | $6.0M | +$172K | +2.9% |
| Federal funds sold | $1.5M | $3.5M | -$2.0M | -56.7% |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $53.3M | $50.5M | +$2.8M | +5.6% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $141.5M | $139.0M | +$2.6M | +1.8% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $1.6M | $1.6M | -$36K | -2.2% |
| Other real estate owned | $0K | $0K | $0K | n/a |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $0K | $0K | $0K | n/a |
| All other assets | $4.0M | $3.8M | +$235K | +6.2% |
| Total assets | $208.1M | $204.3M | +$3.8M | +1.9% |
| Liabilities | ||||
| Total deposits | $188.0M | $185.3M | +$2.7M | +1.5% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $0K | $0K | $0K | n/a |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $540K | $419K | +$121K | +28.9% |
| Total liabilities | $188.5M | $185.7M | +$2.8M | +1.5% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $2.6M | $2.6M | $0K | 0.0% |
| Surplus | $6.1M | $6.1M | $0K | 0.0% |
| Retained earnings | $12.9M | $11.9M | +$1.0M | +8.7% |
| Accumulated other comprehensive income | -$2.0M | -$2.0M | -$52K | -2.6% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $19.6M | $18.6M | +$981K | +5.3% |
| Credit and capital | ||||
| Gross nonperforming assets | $0K | $0K | $0K | n/a |
| Adjusted nonperforming assets | $0K | $0K | $0K | n/a |
| Tangible equity plus allowance | $20.9M | $19.9M | +$979K | +4.9% |
| Texas ratio (gross) | 0.00% | 0.00% | 0.00 pts | See points |
| Texas ratio (adjusted) | 0.00% | 0.00% | 0.00 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 2.98% | 3.17% | -0.19 pts | See points |
| Tier 1 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Common equity Tier 1 to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 2 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Total risk-based capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 1 leverage (approximate) | 10.41% | 10.02% | +0.39 pts | See points |
| Construction and land loans to total capital | 79.00% | 92.05% | -13.05 pts | See points |
| Commercial real estate to total capital | 222.69% | 241.05% | -18.36 pts | See points |
| Dividend payout, year to date | 9.69% | 8.49% | +1.20 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -9.42% | -9.64% | +0.22 pts | See points |
| Liquidity | ||||
| Core deposits | $180.0M | $176.8M | +$3.2M | +1.8% |
| Non-core funding | $8.0M | $8.5M | -$495K | -5.8% |
| Loans to core deposits | 79.38% | 79.37% | +0.01 pts | See points |
| Loans to deposits | 76.00% | 75.73% | +0.27 pts | See points |
| Brokered deposits share of deposits | 0.00% | 0.00% | 0.00 pts | See points |
| Pledged securities share of securities | 10.55% | 10.86% | -0.31 pts | See points |
| Loans pledged, share of loans | 0.00% | 0.00% | 0.00 pts | See points |
| Volatile liabilities | $8.0M | $8.5M | -$495K | -5.8% |
| Earnings | ||||
| Earnings before provision, year to date | $2.2M | $1.1M | +$1.2M | +106.0% |
| Earnings before provision, single quarter | $1.2M | $1.1M | +$66K | +6.0% |
| Provision for credit losses, year to date | $0K | $0K | $0K | n/a |
| Yield and cost | ||||
| Yield on loans and leases | 6.58% | 6.40% | +0.18 pts | See points |
| Yield on interest-bearing balances due from banks | 3.31% | 3.36% | -0.06 pts | See points |
| Total interest income to average assets | 5.49% | 5.32% | +0.16 pts | See points |
| Cost of interest-bearing transaction accounts | 0.31% | 0.29% | +0.02 pts | See points |
| Cost of savings and money market deposits | 2.56% | 2.59% | -0.03 pts | See points |
| Cost of time deposits | 3.30% | 3.29% | +0.01 pts | See points |
| Total interest expense to average assets | 1.54% | 1.58% | -0.03 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $216M | $191M | $149M | 2.21% | 24.70% | 4.09% |
| 2026-06-30 | $208M | $188M | $142M | 2.17% | 23.77% | 4.03% |
| 2026-03-31 | $204M | $185M | $139M | 2.09% | 23.28% | 3.93% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| KY | $176.7M | 0.15% | 103 | Continuing · -0.00 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.