Central Bank & Trust Co.: how it compares with its peers
Against 417 U.S. banks with half to twice its assets, Central Bank & Trust Co.'s strongest measure in Q2 2026 is net interest margin (4.05% vs. a 3.67% peer median). Its weakest relative measure is efficiency ratio (69.67% vs. 57.61%).
| Measure | Central Bank & Trust Co. | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.27% | 1.29% | Middle third Ahead of 47% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.05% | 3.67% | Top third Ahead of 72% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 69.67% | 57.61% | Bottom third Ahead of 17% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.6M | $9.3M | Bottom third Ahead of 28% of peers |
| Loans to deposits Net loans and leases over total deposits. | 95.66% | 88.89% | Context |
What it means for lending operations
Its efficiency ratio of 69.67% is above the 57.61% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- River Bank & Trust Prattville, AL · $4.02B
- Union Savings Bank Cincinnati, OH · $4.02B
- California Bank of Commerce, National Association San Diego, CA · $4.02B
- West Bank West Des Moines, IA · $4.03B
- Spencer Savings Bank, SLA Elmwood Park, NJ · $4.04B
- Vallant Bank Elberton, GA · $3.99B
Questions about Central Bank & Trust Co.
How big is Central Bank & Trust Co.?
Central Bank & Trust Co., established in 1938, is headquartered in Lexington, KY. It reported $4.01B in total assets in its Q2 2026 FDIC call report and operates 29 offices.
What is Central Bank & Trust Co.'s return on assets?
1.27% annualized in Q2 2026, against a 1.29% median for 417 U.S. banks with half to twice its assets, ahead of 47% of them.
What is Central Bank & Trust Co.'s efficiency ratio?
69.67% in Q2 2026: it spent about 70 cents in noninterest expense for each dollar of revenue. The peer median is 57.61%, and lower is better.
Is Central Bank & Trust Co. growing its loans?
Net loans grew 5.4% over the year to Q2 2026, while deposits grew 6.0%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are U.S. banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Kentucky bank ranked.