Century Bank of Kentucky, Inc.: how it compares with its peers
Against 54 KY banks with half to twice its assets, Century Bank of Kentucky, Inc.'s strongest measure in Q2 2026 is assets per employee ($8.7M vs. a $5.9M peer median). Its weakest relative measure is net interest margin (4.03% vs. 4.08%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 2.17% | 1.40% | Top third Ahead of 96% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.03% | 4.08% | Middle third Ahead of 46% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 49.36% | 61.76% | Top third Ahead of 93% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $8.7M | $5.9M | Top third Ahead of 100% of peers |
| Loans to deposits Net loans and leases over total deposits. | 75.29% | 80.53% | Context |
What it means for lending operations
Its efficiency ratio of 49.36% is better than the 61.76% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- First & Peoples Bank and Trust Company Russell, KY · $207M
- Commercial Bank West Liberty, KY · $216M
- Elkton Bank & Trust Company Elkton, KY · $199M
- Citizens Bank & Trust Co. of Jackson Jackson, KY · $217M
- United Citizens Bank & Trust Company Campbellsburg, KY · $219M
- The Citizens Bank Hickman, KY · $220M
Questions about Century Bank of Kentucky, Inc.
How big is Century Bank of Kentucky, Inc.?
Century Bank of Kentucky, Inc., established in 2000, is headquartered in Lawrenceburg, KY. It reported $208M in total assets in its Q2 2026 FDIC call report and operates 2 offices.
What is Century Bank of Kentucky, Inc.'s return on assets?
2.17% annualized in Q2 2026, against a 1.40% median for 54 KY banks with half to twice its assets, ahead of 96% of them.
What is Century Bank of Kentucky, Inc.'s efficiency ratio?
49.36% in Q2 2026: it spent about 49 cents in noninterest expense for each dollar of revenue. The peer median is 61.76%, and lower is better.
Is Century Bank of Kentucky, Inc. growing its loans?
Net loans grew 9.2% over the year to Q2 2026, while deposits grew 6.4%.
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 KY 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.