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Central Bank & Trust Co.
Lexington, KY·FDIC Cert #15815·Charter: STATE·Est. 19380415.0·HC: CENTRAL BANCSHARES INC
Total Assets
$3.9B
Q4 2025
Return on Assets
1.16%
-0.05%Peer avg: 1.24%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
70.18%
Peer avg: 57.5%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
53
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.16%-0.05
ROE
9.64%-0.49
Efficiency
70.18%+0.43
Equity/Assets
0.00%+0.00
NPL Ratio
0.19%+0.01
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
94.11%+1.30
Charge-offs
0.04%+0.00
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 0.9 | 1.0 | 1.0 | 1.0 | 1.1 | 1.2 | 1.2 | 1.2 |
| ROE | 8.1 | 8.4 | 8.7 | 8.9 | 9.5 | 9.9 | 10.1 | 9.6 |
| Efficiency | 74.7 | 72.9 | 73.0 | 73.8 | 71.6 | 70.2 | 69.8 | 70.2 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.3 | 0.2 | 0.2 | 0.2 | 0.2 | 0.2 | 0.2 | 0.2 |
| Charge-offs | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | 0.0 | 0.0 |
| Loan/Deposit | 98.9 | 102.3 | 100.7 | 99.2 | 96.9 | 96.2 | 92.8 | 94.1 |
Balance Sheet
Total Assets$3.9B
Total Deposits$3.1B
Total Loans$2.9B
Total Equity$482.3M
Profitability
ROA1.16%
ROE9.64%
Efficiency Ratio70.18%
Net Income$44.1M
Risk & Asset Quality
NPL Ratio0.19%
Charge-off Rate0.04%
Loan/Deposit94.11%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans