BlastPoint's Banking Scorecard
Central Bank & Trust Co.
Community
Specialty: Commercial
KY
FDIC cert 15815
Lexington, KY
1484
banks in Community tier nationally
34 in KY
View Community leaderboard (KY) →
Central Bank & Trust Co. has 1 strength but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest-Bearing Deposit Share 13.93% above tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 16% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$3.9B
+8.2% YoY
+0.4% QoQ
|
+$2.6B |
$1.4B
+2.0% YoY
|
$697.6M
+5.6% YoY
|
$5.9B
+6.5% YoY
|
Top 4% in tier |
| Total Loans ? |
$2.9B
+2.1% YoY
+1.7% QoQ
|
+$1.9B |
$975.5M
+2.4% YoY
|
$490.0M
+5.5% YoY
|
$3.1B
+8.5% YoY
|
Top 3% in tier |
| Total Deposits ? |
$3.1B
+7.6% YoY
+0.3% QoQ
|
+$1.9B |
$1.2B
+1.7% YoY
|
$584.3M
+5.1% YoY
|
$4.7B
+6.3% YoY
|
Top 5% in tier |
| Return on Assets ? |
1.16%
+11.9% YoY
-4.4% QoQ
|
0 |
1.16%
+17.2% YoY
|
1.21%
+22.9% YoY
|
1.12%
+15.6% YoY
|
52% |
| Net Interest Margin ? |
3.98%
+1.5% YoY
+0.2% QoQ
|
+0.31% |
3.66%
+9.1% YoY
|
3.81%
+9.2% YoY
|
3.75%
+7.1% YoY
|
69% |
| Efficiency Ratio ? |
70.18%
-4.9% YoY
+0.6% QoQ
|
+7.55% |
62.63%
-5.3% YoY
|
64.38%
-7.4% YoY
|
65.09%
-5.1% YoY
|
27% |
| Delinquency Rate ? |
0.19%
-14.4% YoY
+7.4% QoQ
|
-0.44% |
0.63%
+18.3% YoY
|
0.52%
-3.4% YoY
|
0.66%
+20.3% YoY
|
71% |
| Loan-to-Deposit Ratio ? |
94.11%
-5.1% YoY
+1.4% QoQ
|
+11.05% |
83.06%
+0.3% YoY
|
81.81%
+1.4% YoY
|
78.04%
+0.7% YoY
|
75% |
| Non-Interest-Bearing Deposit Share ? |
34.97%
-7.3% YoY
-2.3% QoQ
|
+13.93% |
21.05%
-0.9% YoY
|
23.17%
-1.4% YoY
|
21.79%
-1.3% YoY
|
Top 8% in tier |
| Nonperforming Asset Ratio ? |
0.14%
-19.3% YoY
+8.8% QoQ
|
-0.36% |
0.50%
+20.3% YoY
|
0.32%
-14.7% YoY
|
0.48%
+20.8% YoY
|
72% |
| Tier 1 Capital Ratio ? |
14.80%
+8.0% YoY
+0.0% QoQ
|
+4.56% |
10.24%
-0.6% YoY
|
9.91%
+1.4% YoY
|
9.75%
-1.9% YoY
|
75% |
| Non-Interest Income / Assets ? |
1.17%
-7.1% YoY
+34.4% QoQ
|
+0.43% |
0.74%
-1.3% YoY
|
0.66%
+0.7% YoY
|
0.65%
+0.6% YoY
|
Top 10% in tier |
Signature Analysis
Strengths (1)
Non-Interest-Bearing Deposit Share
metric
Top 8%
in Community
Why this stands out
Current:
34.97%
(Tier avg: 21.05%, National avg: 21.79%)
Concerns (1)
Liquidity Strain
risk
#85 of 513 · Bottom 16% in Community
Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Why this signature
Loan-to-Deposit Ratio:
94.11%
(Tier: 83.06%, National: 78.04%)
513 of 513 Community banks match
·
609 nationally
→ Stable
-4 banks QoQ
|
QoQ rank declining
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
97
97th pctile
Total Loans
Current: $2.9B · Tier avg: $975.5M
96
96th pctile
Total Assets
Current: $3.9B · Tier avg: $1.4B
95
95th pctile
Total Deposits
Current: $3.1B · Tier avg: $1.2B
92
92th pctile
Non-Interest-Bearing Deposit Share
Current: 34.97% · Tier avg: 21.05%
90
90th pctile
Non-Interest Income / Assets
Current: 1.17% · Tier avg: 0.74%
75
75th pctile
Loan-to-Deposit Ratio
Current: 94.11% · Tier avg: 83.06%
75
75th pctile
Tier 1 Capital Ratio
Current: 14.80% · Tier avg: 10.24%
72
72th pctile
Nonperforming Asset Ratio
Current: 0.14% · Tier avg: 0.50%
71
71th pctile
Delinquency Rate
Current: 0.19% · Tier avg: 0.63%
69
69th pctile
Net Interest Margin
Current: 3.98% · Tier avg: 3.66%
52
52th pctile
Return on Assets
Current: 1.16% · Tier avg: 1.16%
27
27th pctile
Efficiency Ratio
Current: 70.18% · Tier avg: 62.63%
Top Weaknesses
27
27th pctile
Efficiency Ratio
Current: 70.18% · Tier avg: 62.63%
52
52th pctile
Return on Assets
Current: 1.16% · Tier avg: 1.16%
69
69th pctile
Net Interest Margin
Current: 3.98% · Tier avg: 3.66%
71
71th pctile
Delinquency Rate
Current: 0.19% · Tier avg: 0.63%
72
72th pctile
Nonperforming Asset Ratio
Current: 0.14% · Tier avg: 0.50%
75
75th pctile
Tier 1 Capital Ratio
Current: 14.80% · Tier avg: 10.24%
75
75th pctile
Loan-to-Deposit Ratio
Current: 94.11% · Tier avg: 83.06%
90
90th pctile
Non-Interest Income / Assets
Current: 1.17% · Tier avg: 0.74%
92
92th pctile
Non-Interest-Bearing Deposit Share
Current: 34.97% · Tier avg: 21.05%
95
95th pctile
Total Deposits
Current: $3.1B · Tier avg: $1.2B
96
96th pctile
Total Assets
Current: $3.9B · Tier avg: $1.4B
97
97th pctile
Total Loans
Current: $2.9B · Tier avg: $975.5M