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Central Bank & Trust Company

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Central Bank & Trust Company Rates & Review April 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Central Bank & Trust Company provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: April 23, 2026

You can compare Central Bank & Trust Company rates to other rates in our database, including 12-month CD rates currently at 2.85%, 6-month CD rates at 1.00% and 3-month CD rates at 3.03%. Savings rates are at 0.05% and money market rates are at 0.15%. Mortgage rates on 30-year fixed loans are around 6.12%. All these rates can be compared to Central Bank & Trust Company rates. MonitorBankRates evaluates the financial stability of Central Bank & Trust Company with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.91%. Rates were last updated on 04/23/2026.

Central Bank & Trust Company money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Central Bank & Trust Company? Share your experience about Central Bank & Trust Company by leaving a review below, or read customer reviews before you decide to use Central Bank & Trust Company.

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

1.91%

Excellent Lower than avg

Central Bank & Trust Company

300 W Vine St
Lexington, KY 40507

https://www.centralbank.com

Current Rate Availability

We do not have Central Bank & Trust Company rates right now, but we are constantly updating our database so check back often for updated rates.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Central Bank & Trust Company is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather Central Bank & Trust Company rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Central Bank & Trust Company's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Central Bank & Trust Company

Bank Holding Company CENTRAL BANCSHARES INC

Address 300 W Vine St, Lexington, KY 40507 · Fayette

Website https://www.centralbank.com

FDIC Certificate # 15815

Established 04/15/1938

FDIC Insurance Date 04/30/1941

Domestic Offices 28

Total Branches 28

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 99/100

5.0

Exceptional Out of 5.0 Stars

1.91%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.9712%

Return on Equity (ROE) 9.5900%

Non-Performing Loans (NPL) 0.18%

Total Assets $3,943,327,000

Total Deposits $3,073,285,000

Equity Capital $482,314,000

Net Income $44,137,000

Headquarters Lexington

Total Offices 28

Source: FDIC | Last Updated 12/31/2025

Customer Reviews

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Total Reviews

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Frequently Asked Questions About Central Bank & Trust Company

Is Central Bank & Trust Company a safe place to deposit money?

Yes, Central Bank & Trust Company is considered a safe financial institution. With a Texas Ratio of 1.9133956123814%, the institution's financial health is rated as excellent. Your accounts are federally insured by the FDIC (Federal Deposit Insurance Corporation) up to $250,000 per depositor, for each account ownership category.

How many branches does Central Bank & Trust Company operate?

Central Bank & Trust Company currently maintains approximately 28 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, Central Bank & Trust Company does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Central Bank & Trust Company provides members with tools to manage their accounts and build a solid financial history.

Does Central Bank & Trust Company offer online and mobile banking?

Most modern institutions like Central Bank & Trust Company provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.centralbank.com.