BlastPoint's Banking Scorecard

Central Bank & Trust Co.

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

Lexington, KY

28 branches across KY

884 banks in the $1B-$10B peer group nationally 17 in 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 15.0% in tier
+ Non-Interest-Bearing Deposit Share 14.24% above tier average
+ Net Interest Margin 0.13% above tier average

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 3.3% in tier
- Credit Quality Pressure: Bottom 8.4% in tier
- Liquidity Strain: Bottom 15.3% in tier
- ROA 0.14% below tier average
- Efficiency Ratio 9.45% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (KY)	National Avg	Tier Percentile
Total Assets ?	$4.0B +6.5% YoY +1.2% QoQ	+$1.2B	$2.8B -0.1% YoY	$702.0M +4.4% YoY	$6.2B +9.1% YoY	80%
Total Loans ?	$2.9B +2.5% YoY +0.7% QoQ	+$947.5M	$2.0B +0.6% YoY	$492.7M +5.5% YoY	$3.2B +10.8% YoY	81%
Total Deposits ?	$3.1B +6.2% YoY +1.3% QoQ	+$771.4M	$2.3B -0.3% YoY	$590.5M +4.1% YoY	$4.8B +8.2% YoY	78%
Return on Assets ?	1.23% +8.9% YoY +6.0% QoQ	-0.14%	1.37% +19.6% YoY	1.25% +16.2% YoY	1.23% +13.4% YoY	51%
Net Interest Margin ?	3.95% +1.0% YoY -0.6% QoQ	+0.13%	3.82% +6.9% YoY	3.88% +7.4% YoY	3.89% +5.7% YoY	69%
Efficiency Ratio ?	70.51% -1.6% YoY +0.5% QoQ	+9.45%	61.06% -4.6% YoY	64.22% -6.1% YoY	66.95% -4.1% YoY	22%
Delinquency Rate ?	0.21% +8.3% YoY +10.5% QoQ	-0.68%	0.89% +14.1% YoY	0.89% +17.0% YoY	0.95% +18.8% YoY	78%
Loan-to-Deposit Ratio ?	93.50% -3.5% YoY -0.6% QoQ	+9.30%	84.20% +0.3% YoY	80.71% +1.5% YoY	76.70% +0.9% YoY	28%
Non-Interest-Bearing Deposit Share ?	35.53% -1.7% YoY +1.6% QoQ	+14.24%	21.29% -2.5% YoY	23.47% -1.8% YoY	22.01% -1.2% YoY	Top 8.3% in tier
Nonperforming Asset Ratio ?	0.15% +4.1% YoY +9.9% QoQ	-0.52%	0.67% +15.6% YoY	0.61% +22.3% YoY	0.67% +19.3% YoY	79%
Tier 1 Capital Ratio ?	15.02% +7.0% YoY +1.5% QoQ	-0.14%	15.16% +2.0% YoY	14.97% -0.1% YoY	17.06% +0.8% YoY	73%
Non-Interest Income / Assets ?	0.30% -2.6% YoY -74.1% QoQ	+0.05%	0.26% +1.6% YoY	0.16% +4.4% YoY	0.32% +4.1% YoY	Top 13.0% in tier

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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

#34 of 220 • Top 15.0% 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: 0.89%, National: 0.95%)

better than tier avg

220 of 220 Mid-Market banks match · 922 nationally

→ Stable +2 banks QoQ | QoQ rank improving

Concerns (3)

Credit Risk Growth

risk

#15 of 420 • Bottom 3.3% in tier

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

420 of 420 Mid-Market banks match · 1464 nationally

→ Stable -10 banks QoQ

Credit Quality Pressure

risk

#44 of 513 • Bottom 8.4% 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: 0.89%, National: 0.95%)

better than tier avg

513 of 513 Mid-Market banks match · 1899 nationally

→ Stable +2 banks QoQ

Liquidity Strain

risk

#52 of 334 • Bottom 15.3% 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: 93.50%

(Tier: 84.20%, National: 76.70%)

worse than tier avg

334 of 334 Mid-Market banks match · 1013 nationally

→ Stable -50 banks QoQ | QoQ rank improving

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 884 peers in $1B-$10B

Top Strengths (7 metrics)

Non-Interest-Bearing Deposit Share

funding

Value: 35.53%

Peer Median: 21.29%

#74 of 884 Top 8.3% in $1B-$10B

116

Non-Interest Income / Assets

revenue_mix

Value: 0.30%

Peer Median: 0.26%

#116 of 884 Top 13.0% in $1B-$10B

165

Total Loans

size

Value: $2.91B

Peer Median: $1.96B

#165 of 884 Top 18.6% in $1B-$10B

179

Total Assets

size

Value: $3.99B

Peer Median: $2.82B

#179 of 884 Top 20.1% in $1B-$10B

185

Nonperforming Asset Ratio

credit_quality

Value: 0.15%

Peer Median: 0.67%

#185 of 884 Top 20.8% in $1B-$10B

193

Delinquency Rate

credit_quality

Value: 0.21%

Peer Median: 0.89%

#193 of 880 Top 21.8% in $1B-$10B

194

Total Deposits

size

Value: $3.11B

Peer Median: $2.34B

#194 of 884 Top 21.8% in $1B-$10B

Top Weaknesses (1 metrics)

694

Efficiency Ratio

profitability

Value: 70.51%

Peer Median: 61.06%

#694 of 884 Bottom 21.6% in $1B-$10B