Listed locations
28
Institution profile
Central Bank & Trust Co.
Identity verified through FDIC; additional sources pendingVerification describes the US Mortgage Index public-source matching process. It is not an endorsement or recommendation. Read the methodology
Public-record data only. Not a recommendation, lender endorsement, or rate comparison. Verify current licensing, product availability, and terms independently.
FDIC BankFind baseline
FDIC-reported identity and institutional fields from the public BankFind record. These values are not described as current or real-time.
- Legal name
- Central Bank & Trust Co.
- Display name
- Central Bank & Trust Co.
- Institution status
- Active
- FDIC insured
- Yes
- FDIC insured since
- April 30, 1941
- Established date
- April 15, 1938
- Charter class
- State-chartered commercial bank, not a member of the Federal Reserve System (FRS)
- Primary federal regulator
- Federal Deposit Insurance Corporation
- Headquarters
- Lexington, KY, 40507, United States
- Website
- https://www.centralbank.com
- FDIC certificate number
- 15815
- Federal Reserve RSSD ID
- 1007015
- Domestic location count
- 28
- Source observed
- August 5, 2026
Regulatory profile
Public FFIEC NIC and CRA records for this institution, presented as source-backed regulatory context rather than a score or recommendation.
Regulatory identity
- Institution status
- ACTIVE
- Primary federal regulator
- FDIC
- Institution type
- Non-member Bank
- Primary activity
- NAICS 52211
- FDIC certificate
- 15815
- Federal Reserve RSSD ID
- 1007015
- LEI
- 549300C5GU86M1X2DG56
- Headquarters
- 300 W. Vine St./kincaid Towers, Lexington, KY, 40507, United States
- Primary deposit insurer
- Deposit Insurance Fund (DIF)
- Source observed
- August 19, 2026
Branch network
Showing 1 through 28 of 28 listed locations
Scroll sideways to see every branch column.
| Branch | Address | City | State | Postal code |
|---|---|---|---|---|
| BEREA BRANCH | 101 Brentwood Street | Berea | KY | 40403 |
| CRESTVIEW HILLS BRANCH | 2850 Turkey Foot | Crestview Hills | KY | 41017 |
| TURFWAY ROAD BRANCH | 7310 Turfway Road | Florence | KY | 41042 |
| FORT MITCHELL BRANCH | 2075 Dixie Highway | Fort Mitchell | KY | 41017 |
| CHERRY BLOSSOM BRANCH | 410 Connector RD | Georgetown | KY | 40324 |
| GEORGETOWN MAIN BRANCH | 100 West Main Street | Georgetown | KY | 40324 |
| ANDOVER BANKING CENTER BRANCH | 3101 Mapleleaf Drive | Lexington | KY | 40509 |
| EASTLAND BANKING CENTER | 649 East New Circle Road | Lexington | KY | 40505 |
| HARRODSBURG ROAD BRANCH | 3700 Palomar Center | Lexington | KY | 40513 |
| NICHOLASVILLE ROAD BRANCH | 100 East Reynolds Road | Lexington | KY | 40517 |
| NORTH PARK BRANCH | 515 New Circle Road | Lexington | KY | 40505 |
| RICHMOND ROAD BRANCH | 2233 Richmond Road | Lexington | KY | 40502 |
| SIR BARTON BRANCH | 2443 Sir Barton Way, Suite 175 | Lexington | KY | 40509 |
| SOUTHLAND BRANCH | 256 Southland Ave | Lexington | KY | 40503 |
| TATES CREEK CENTRE BRANCH | 4090 Tates Creek Centre Drive | Lexington | KY | 40517 |
| TATES CREEK ROAD BRANCH | 3270 Tates Creek Road | Lexington | KY | 40502 |
| VERSAILLES ROAD BRANCH | 2347 Versailles Road | Lexington | KY | 40504 |
| HURSTBOURNE PLAZA BRANCH | 9300 Shelbyville Road, Suite 100 | Louisville | KY | 40222 |
| OUTER LOOP BRANCH | 3541 Outer Loop, Suite 120 | Louisville | KY | 40219 |
| TAYLORSVILLE ROAD BRANCH | 4630 Taylorsville Road | Louisville | KY | 40220 |
| WATERFRONT PLAZA BRANCH | 321 West Main Street | Louisville | KY | 40202 |
| KEENE ROAD BRANCH | 1471 Keene Road | Nicholasville | KY | 40356 |
| NICHOLASVILLE BRANCH | 301 North Main Street | Nicholasville | KY | 40356 |
| RICHMOND BRANCH | 350 West Main Street | Richmond | KY | 40475 |
| SPRING HOUSE | 1996 Spring House Lane | Richmond | KY | 40475 |
| UNION BRANCH | 9021 US Hwy 42 | Union | KY | 41091 |
| NORTH MAPLE BRANCH | 43 North Maple Street | Winchester | KY | 40391 |
| PIONEER DRIVE BRANCH | 1110 Pioneer Drive | Winchester | KY | 40391 |
Community Reinvestment Act (CRA)
Latest available CRA evaluation
- Rating
- Satisfactory
- Exam date
- July 1, 2025
- Regulator
- FDIC
- Examination method
- Large Bank Exam
This information reflects Community Reinvestment Act examination ratings reported by the cited official source. It is not a US Mortgage Index rating, recommendation, or assessment of the institution.
CRA evaluations are examination results from the relevant regulatory process and should be interpreted in the context of the examination date and source.
Historical CRA evaluations
Scroll sideways to see every CRA examination column.
| Exam date | CRA rating | Regulator | Examination method |
|---|---|---|---|
| July 1, 2025 | Satisfactory | FDIC | Large Bank Exam |
| August 1, 2022 | Outstanding | FDIC | Large Bank Exam |
| August 1, 2019 | Outstanding | FDIC | Large Bank Exam |
| September 1, 2016 | Outstanding | FDIC | Large Bank Exam |
| January 1, 2014 | Satisfactory | FDIC | Large Bank Exam |
| December 1, 2010 | Satisfactory | FDIC | Large Bank Exam |
| August 1, 2007 | Satisfactory | FDIC | Large Bank Exam |
| October 1, 2004 | Satisfactory | FDIC | Large Bank Exam |
| January 1, 2002 | Outstanding | FDIC | Large Bank Exam |
| July 1, 1999 | Satisfactory | FDIC | Large Bank Exam |
| January 1, 1998 | Satisfactory | FDIC | Small Bank |
| March 1, 1996 | Outstanding | FDIC | Not Reported |
| May 1, 1994 | Outstanding | FDIC | Not Reported |
| October 1, 1991 | Outstanding | FDIC | Not Reported |
Institutional history
3 FFIEC NIC history events
Showing 1 through 3 of 3 history events
| Event date | Event type | Related institution |
|---|---|---|
| June 1, 2017 | Charter Discontinued (Merger or Purchase & Assumption) | — |
| January 18, 2011 | Charter Discontinued (Merger or Purchase & Assumption) | — |
| August 31, 1998 | Charter Discontinued (Merger or Purchase & Assumption) | — |
These events are shown as reported by the FFIEC NIC source and are not independent legal conclusions.
FFIEC-reported organizational relationships
4 FFIEC NIC relationship records
Showing 1 through 4 of 4 relationship records
| Relationship | Institution | Type | Location |
|---|---|---|---|
| Direct relationship | CBIA, INC | Domestic Entity Other | Lexington, KY |
| Direct relationship | CBT REAL ESTATE HOLDINGS LLC | Domestic Entity Other | Lexington, KY |
| Direct relationship | CENTRAL INVESTMENT CENTER, INC. | Domestic Entity Other | Lexington, KY |
| ROOT_INSTITUTION | CENTRAL BANK & TRUST COMPANY | Non-member Bank | Lexington, KY |
These relationships reflect the FFIEC NIC source display and should not be interpreted as a complete legal ownership analysis.
FFIEC NIC information reflects public regulatory records observed on the displayed source date. Observed dates describe when the public record was reviewed, not a real-time update.
Additional profile fields
Fields below supplement the primary source baseline and are shown only when present on the public profile.
- Entity type
- FDIC-insured state-chartered nonmember bank