Bank · FDIC insured
Central Bank
Top CarrotA $4B bank, the 332nd largest of 4,207, headquartered in Lexington, KY, with 29 branches in Kentucky. Best rates: CDs 4.50% and savings 1.50% APY.
Central Bank Carrot Score
Carrot ScoreTop Carrot
Higher than 91% of U.S. banks and credit unions
#4 of 25 in Lexington, KY metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Central Bank
Central Bank traces its roots to 1938 when Southern Industrial Loan Company was founded, later becoming Central Exchange Bank before Garvice D. Kincaid purchased and renamed it in 1946.
From its beginnings in downtown Lexington, the bank serves communities across Kentucky including Berea, Crestview Hills, Florence, Ft. Mitchell, Georgetown, Lexington, Louisville, Nicholasville, Richmond, Union, and Winchester.
- Headquarters
- 300 W Vine St, Lexington, KY 40507
- FDIC certificate
- 15815 ↗
Branches
29 branches in Kentucky
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Kentucky
29 branches
Lexington area · 18
- Central Bank & Trust Co.Main office300 W Vine St, Lexington, KY 40507Directions
- Georgetown Branch100 W Main St, Georgetown, KY 40324Directions
- Georgetown Branch - Connector Road410 Connector Rd, Georgetown, KY 40324Directions
- Andover Banking Center Branch3101 Mapleleaf Dr, Lexington, KY 40509Directions
- Eastland Banking Center649 E New Circle Rd, Lexington, KY 40505Directions
- Harrodsburg Road Branch3700 Harrodsburg Rd, Lexington, KY 40503Directions
- Nicholasville Road Branch100 E Reynolds Rd, Lexington, KY 40517Directions
- North Park Branch515 W New Circle Rd, Lexington, KY 40511Directions
- Richmond Road Branch2233 Richmond Rd, Lexington, KY 40502Directions
- Sir Barton Branch2443 Sir Barton Way, Lexington, KY 40509Directions
- Southland Branch256 Southland Dr, Lexington, KY 40503Directions
- Tates Creek Centre Branch4090 Tates Creek Centre Dr, Lexington, KY 40517Directions
- Tates Creek Road Branch3270 Tates Creek Rd, Lexington, KY 40502Directions
- Versailles Road Branch2347 Versailles Rd, Lexington, KY 40504Directions
- Keene Road Branch1471 Keene Rd, Nicholasville, KY 40356Directions
- Nicholasville Branch301 N Main St, Nicholasville, KY 40356Directions
- North Maple Branch43 N Maple St, Winchester, KY 40391Directions
- Pioneer Drive1110 Pioneer Dr, Winchester, KY 40391Directions
Cincinnati area · 4
- Crestview Hills Branch2850 Turkeyfoot Rd, Crestview Hills, KY 41017Directions
- Turfway Road Branch7310 Turfway Rd, Florence, KY 41042Directions
- Fort Mitchell Branch2075 Dixie Hwy, Fort Mitchell, KY 41011Directions
- Union Branch9021 Us Highway 42, Union, KY 41091Directions
Louisville/Jefferson County area · 4
- Hurstbourne Plaza Branch9300 Shelbyville Rd, Louisville, KY 40222Directions
- Outer Loop Brnch3541 Outer Loop, Louisville, KY 40219Directions
- Taylorsville Rd Branch4630 Taylorsville Rd, Louisville, KY 40220Directions
- Waterfront Plaza Branch321 W Main St, Louisville, KY 40202Directions
Richmond area · 3
- Berea Branch101 Brentwood Dr, Berea, KY 40403Directions
- Richmond Branch350 W Main St, Richmond, KY 40475Directions
- Spring House Branch1996 Spring House Ln, Richmond, KY 40475Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 12.42% | 10.49% | 11.89% or more |
| Troubled loansNoncurrent | 0.21% | 0.52% | 0.23% or less |
| ProfitabilityReturn on assets | 1.27% | 1.25% | 1.62% or more |
| LendingLoans per $100 deposited | $97 | $88 | — |
- CapitalLeverage ratio12.42%Peers’ middle 10.49% · Top 25% 11.89%+
- Troubled loansNoncurrent0.21%Peers’ middle 0.52% · Top 25% ≤0.23%
- ProfitabilityReturn on assets1.27%Peers’ middle 1.25% · Top 25% 1.62%+
- LendingLoans per $100 deposited$97Peers’ middle $88
Compared with the 897 banks with $1 billion to $10 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Central Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.