Central Bank&Trust Co (FDIC #15815): Bank Stress & Real-Estate Credit Exposure

Central Bank&Trust Co (FDIC Cert #15815): bank stress 56/100, moderate, STABLE over 7 days; parent CENTRAL BANCSHARES INC.

Central Bank&Trust Co (#15815) lends in 8 counties across 1 state; Central Bank&Trust Co (#15815) reaches 93 ZIP codes: Kentucky 8 counties, 93 ZIPs.

Central Bank&Trust Co (#15815) largest markets: Jefferson County, KY (172 branches, 43 ZIPs) (#15815), Fayette County, KY (228 branches, 19 ZIPs) (#15815), Kenton County, KY (24 branches, 12 ZIPs) (#15815), Boone County, KY (18 branches, 9 ZIPs) (#15815), Scott County, KY (12 branches, 6 ZIPs) (#15815), Jessamine County, KY (10 branches, 5 ZIPs) (#15815).

Central Bank&Trust Co (#15815) reports $4.01 billion in total assets; Central Bank&Trust Co (#15815) equity $502.8 million (12.5% of Central Bank&Trust Co (#15815) assets); Central Bank&Trust Co (#15815) domestic deposits $3.12 billion; Central Bank&Trust Co (#15815) net income $25.2 million; Central Bank&Trust Co (#15815) return on assets 1.27%; Central Bank&Trust Co (#15815) return on equity 10.25%; Central Bank&Trust Co (#15815) net interest income $76.4 million; Central Bank&Trust Co (#15815) call report June 30, 2026.

Central Bank&Trust Co (#15815) noncurrent real-estate loans: none reported; Central Bank&Trust Co (#15815) residential -0.15%; Central Bank&Trust Co (#15815) net charge-offs on real estate 0.23%; Central Bank&Trust Co (#15815) residential charge-offs 0.01%.

Central Bank&Trust Co (#15815) net interest margin 4.05% against an eight-quarter Central Bank&Trust Co (#15815) average of 3.95% (Central Bank&Trust Co (#15815) compression -0.10 points); Central Bank&Trust Co (#15815) non-residential real estate 0.9% of equity; Central Bank&Trust Co (#15815) rate-exposure score 40/100, Central Bank&Trust Co (#15815) fixed-rate trap 40/100; Central Bank&Trust Co (#15815) risk type credit driven; Central Bank&Trust Co (#15815) rate regime rates elevated, Central Bank&Trust Co (#15815) snapshot October 19, 2026.

Central Bank&Trust Co (#15815) stress score moved from 56.4 on June 22, 2026 to 56.3 on October 19, 2026; Central Bank&Trust Co (#15815) ranged 56.3 to 56.4 over 116 snapshots.

Central Bank&Trust Co (#15815) alerts: 8 counties; top Central Bank&Trust Co (#15815) alert scores: Union County, KY 39 (moderate); Fort Mitchell County, KY 20 (low); Georgetown County, KY 20 (low); Lexington County, KY 20 (low); Louisville County, KY 20 (low).