BlastPoint's Banking Scorecard

Central Bank & Trust Co.

$1B-$10B Specialty: Commercial KY FDIC cert 15815

Lexington, KY

29 branches across KY

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 16 in KY.
Deposits +6.0% year over year ($3.1B on the books).
Delinquency rate 0.21%.
Return on assets 1.27%.
Efficiency ratio 69.67% vs a 59.73% peer average.
Loan-to-deposit ratio 95.66% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 16 in KY

View $1B-$10B leaderboard (KY) →

Central Bank & Trust Co. has 3 strengths but faces 5 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Credit Quality Leader: Top 13.6% in tier
+ Non-Interest-Bearing Deposit Share 15.18% above tier average
+ Net Interest Margin 0.18% above tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 10.0% in tier
- Credit Risk Growth: Bottom 17.9% in tier
- Liquidity Strain: Bottom 33.0% in tier
- ROA 0.12% below tier average
- Efficiency Ratio 9.94% above tier average

Get updates when Central Bank & Trust Co. releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (KY)	National Avg	Tier Percentile
Total Assets ?	$4.0B +6.4% YoY +0.5% QoQ	+$1.2B	$2.8B -0.6% YoY	$707.7M +4.5% YoY	$6.3B +7.7% YoY	80%
Total Loans ?	$3.0B +5.4% YoY +2.5% QoQ	+$1.0B	$2.0B -0.3% YoY	$500.8M +5.4% YoY	$3.2B +9.4% YoY	82%
Total Deposits ?	$3.1B +6.0% YoY +0.2% QoQ	+$801.0M	$2.3B -0.5% YoY	$593.9M +4.1% YoY	$4.9B +7.3% YoY	79%
Return on Assets ?	1.27% +7.2% YoY +3.0% QoQ	-0.12%	1.39% +17.0% YoY	1.28% +12.5% YoY	1.30% +12.1% YoY	51%
Net Interest Margin ?	4.05% +2.7% YoY +2.6% QoQ	+0.18%	3.87% +6.2% YoY	3.93% +6.2% YoY	3.95% +4.9% YoY	71%
Efficiency Ratio ?	69.67% -0.8% YoY -1.2% QoQ	+9.94%	59.73% -12.6% YoY	64.24% -3.9% YoY	70.05% +2.5% YoY	22%
Delinquency Rate ?	0.21% +19.1% YoY +2.2% QoQ	-0.65%	0.87% +11.7% YoY	0.91% +20.0% YoY	0.98% +16.3% YoY	77%
Loan-to-Deposit Ratio ?	95.66% -0.5% YoY +2.3% QoQ	+10.62%	85.04% -0.1% YoY	81.25% +1.1% YoY	79.03% +2.3% YoY	24%
Non-Interest-Bearing Deposit Share ?	36.45% -0.5% YoY +2.6% QoQ	+15.18%	21.27% -1.5% YoY	23.27% -2.3% YoY	21.98% -0.6% YoY	Top 7.0% in tier
Nonperforming Asset Ratio ?	0.16% +18.0% YoY +4.2% QoQ	-0.52%	0.67% +11.7% YoY	0.64% +23.9% YoY	0.69% +15.8% YoY	77%
Tier 1 Capital Ratio ?	15.12% +4.8% YoY +0.6% QoQ	+0.27%	14.84% -0.4% YoY	16.76% +11.6% YoY	17.09% +0.8% YoY	74%
Non-Interest Income / Assets ?	0.60% -2.3% YoY +96.4% QoQ	+0.07%	0.53% +2.5% YoY	0.31% +0.1% YoY	0.66% +5.2% YoY	Top 14.0% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (KY)	National Avg	Tier Percentile
Noninterest-Bearing	36.5% -0.2pp YoY +0.9pp QoQ	+15.1pp	21.4%	23.5%	22.2%	93%
Brokered Deposits	2.4% -0.3pp YoY 0.0pp QoQ	-7.1pp	9.5%	5.4%	8.5%	31%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (KY)	National Avg	Tier Percentile
C&I	11.3% -1.2pp YoY -0.6pp QoQ	-2.7pp	14.0%	8.6%	12.5%	50%
CRE	58.9% +4.9pp YoY +1.5pp QoQ	+8.9pp	50.0%	37.1%	41.4%	73%
1-4 Family	26.6% -1.5pp YoY -0.8pp QoQ	+0.2pp	26.4%	41.6%	31.3%	58%
Consumer	1.2% -0.7pp YoY -0.1pp QoQ	-3.5pp	4.7%	4.8%	5.0%	50%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (KY)	National Avg	Tier Percentile
CET1 Ratio	15.1% +0.7pp YoY +0.1pp QoQ	-0.5pp	15.6%	20.2%	19.7%	71%
Leverage Ratio	12.4% +0.3pp YoY +0.1pp QoQ	+1.1pp	11.3%	14.0%	12.6%	80%
Total Capital Ratio	16.1% +0.7pp YoY +0.1pp QoQ	-0.6pp	16.7%	21.3%	20.8%	69%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (KY)	National Avg	Tier Percentile
Full-Time Employees	525 +10 (+1.9%) YoY +7 (+1.4%) QoQ	+211	313	105	482	85%
Assets per Employee ($)	$7.6M +4.4% YoY -0.9% QoQ	-$2.8M	$10.5M	$6.3M	$8.8M	34%
Branch Count	29 +1 (+3.6%) YoY 0 QoQ	+9	20	8	18	81%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (KY)	National Avg	Tier Percentile
Past Due 90+ Days	0.0% 0.0pp YoY 0.0pp QoQ	-0.1pp	0.2%	0.3%	0.4%	48%
Nonaccrual	0.2% 0.0pp YoY 0.0pp QoQ	-0.6pp	0.8%	0.8%	1.0%	20%
Allowance Coverage	4.61x -19.3% YoY -3.4% QoQ	-14.10x	18.71x	7.45x	20.23x	76%
Net Charge-off Rate (YTD)	-0.0% -0.1pp YoY -0.1pp QoQ	-0.3pp	0.3%	0.1%	0.2%	3%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (KY)	National Avg	Tier Percentile
ROE	10.2% +0.4pp YoY +0.2pp QoQ	-2.3pp	12.6%	13.3%	11.6%	35%
Cost of Funds (YTD)	1.4% -0.1pp YoY 0.0pp QoQ	-0.5pp	1.9%	1.7%	1.7%	16%
Net Income ($, YTD)	$25.2M +14.7% YoY — QoQ	+$6.0M	$19.2M	$5.1M	$40.4M	77%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Credit Quality Leader

growth

#31 of 221 • Top 13.6% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature

Delinquency Rate: 0.21%

(Tier: 0.87%, National: 0.98%)

better than tier avg

221 of 221 Mid-Market banks match · 920 nationally

→ Stable +1 banks QoQ | QoQ rank improving

Concerns (3)

Credit Quality Pressure

risk

#50 of 492 • Bottom 10.0% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.21%

(Tier: 0.87%, National: 0.98%)

better than tier avg

492 of 492 Mid-Market banks match · 1820 nationally

→ Stable -71 banks QoQ | QoQ rank declining

Credit Risk Growth

risk

#73 of 402 • Bottom 17.9% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

402 of 402 Mid-Market banks match · 1401 nationally

→ Stable -58 banks QoQ | QoQ rank declining

Liquidity Strain

risk

#120 of 361 • Bottom 33.0% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 95.66%

(Tier: 85.04%, National: 79.03%)

worse than tier avg

361 of 361 Mid-Market banks match · 1092 nationally

→ Stable +81 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 885 peers in $1B-$10B

Top Strengths (7 metrics)

Non-Interest-Bearing Deposit Share

funding

Value: 36.45%

Peer Median: 21.27%

#63 of 885 Top 7.0% in $1B-$10B

125

Non-Interest Income / Assets

revenue_mix

Value: 0.60%

Peer Median: 0.53%

#125 of 885 Top 14.0% in $1B-$10B

158

Total Loans

size

Value: $2.98B

Peer Median: $1.96B

#158 of 885 Top 17.7% in $1B-$10B

175

Total Assets

size

Value: $4.01B

Peer Median: $2.79B

#175 of 885 Top 19.7% in $1B-$10B

188

Total Deposits

size

Value: $3.12B

Peer Median: $2.32B

#188 of 885 Top 21.1% in $1B-$10B

200

Delinquency Rate

credit_quality

Value: 0.21%

Peer Median: 0.87%

#200 of 882 Top 22.6% in $1B-$10B

202

Nonperforming Asset Ratio

credit_quality

Value: 0.16%

Peer Median: 0.67%

#202 of 885 Top 22.7% in $1B-$10B

Top Weaknesses (2 metrics)

695

Efficiency Ratio

profitability

Value: 69.67%

Peer Median: 59.73%

#695 of 885 Bottom 21.6% in $1B-$10B

675

Loan-to-Deposit Ratio

liquidity

Value: 95.66%

Peer Median: 85.04%

#675 of 885 Bottom 23.8% in $1B-$10B