Four fees from its schedule are published so far: monthly maintenance $8, overdraft $32, dormant account $5 and 1 more.
Source: its fee schedule, read Oct 14, 2026.
Total assets
Q2 2026, quarter end
FFIEC call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge share of revenue
68th percentile; peer median 2.2%
FDIC call report data · Jun 30, 2026
Fees above the U.S. median
Too few fees
Fewer than 5 verified fees on file
Fee schedule read Oct 14, 2026
Call-report figures are for Central Bank & Trust Co. at the bank level, not its holding company. Revenue is net interest income plus noninterest income.
| Metric | Measure and calculation | Source and fields | Period | Retrieved |
|---|---|---|---|---|
| Total assets | Total assets at quarter end Point in time, at quarter end | FFIEC call report (bulk data) RCON2170 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Revenue | Revenue (net interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4074 + RIAD4079 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge income | Service charges on deposit accounts Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4080 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge share of revenue | Service charges on deposit accounts divided by revenue (net interest + noninterest income) One quarter, as reported. Median and percentile from each of 869 banks with $1B to $10B in assets reporting a share above 0%, this one left out. | FDIC BankFind Suite (call report data) ISERCHGQ / (NIMQ + NONIIQ) | Q2 2026 Quarter ended Jun 30, 2026 | Not recorded |
| Fees above the U.S. median | Published fees above the U.S. median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Central Bank & Trust Co.'s published fee schedule; Bank Fee Index medians | Current schedule | Oct 14, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service charges were 3.0% of revenue, above the 2.2% median of 869 banks with $1B to $10B in assets (68th percentile).
Not established: The share alone does not show whether prices, account volumes or the size of the revenue base set it.
Service-charge income was $1.5M in Q2 2026, 5.4% above the same quarter a year earlier ($1.5M).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
2 of 3 compared published fees sit above the Kentucky median; 0 below.
Not established: Published prices do not show how often a fee is charged or waived, so they do not size its share of income.
Comparison with Kentucky medians for fees published by banks and credit unions.
Monthly Maintenance
Clean Start Checking
Overdraft (OD)
Dormant Account
Bleed Blue Checking
Each amount links to the fee schedule it was read from. Medians for Kentucky, the Cleveland district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Call reports for Central Bank & Trust Co. (bank level, not the holding company). Income lines are standalone quarters.
Service-charge income
Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file
| Quarter | Amount | Change | % |
|---|---|---|---|
| Q2 2026 | $1.5M | +$74K | +5.1% |
| Q1 2026 | $1.5M | −$66K | −4.3% |
| Q4 2025 | $1.5M | +$61K | +4.2% |
| Q3 2025 | $1.5M | +$9K | +0.6% |
| Q2 2025 | $1.5M | +$66K | +4.7% |
| Q1 2025 | $1.4M | −$37K | −2.6% |
| Q4 2024 | $1.4M | −$11K | −0.8% |
| Q3 2024 | $1.4M | +$22K | +1.6% |
Financial cohort: 894 banks with $1B to $10B in assets filing for Q2 2026; 869 reported a share above 0% and are counted, Central Bank & Trust Co. left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to Central Bank & Trust Co. by share.
Amounts from Central Bank & Trust Co.’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Monthly Maintenance Fee (with direct deposits) | $8Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Dormant fee (Bleed Blue Checking) | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
Overdraft & NSF | |||
| Overdraft fee | $32Inside the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Overdraft fee (each time we pay an overdraft) | $32Inside the U.S. middle 50% ($25 to $33 nationally) | per item | None |
Oct 14, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Where Central Bank & Trust Co. operates, and what regulators and customers have on file.
Branch footprint
29 offices in 1 state, $3.1B in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| 18 | $2.4B | |
| 4 | $374.8M | |
| 4 | $197.7M | |
| Outside a metro area | 3 | $152.3M |
Lexington-Fayette, KY
14.9% of bank deposits, #1 of 36, up 0.6 points over five years.
| Largest competitors here | Deposit share |
|---|---|
| JPMorgan Chase Bank, National Association | 12.8% |
| Fifth Third Bank, National Association | 11.4% |
| Traditional Bank, Inc. | 8.3% |
| PNC Bank, National Association | 7% |
| Community Trust Bank, Inc. | 5.8% |
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
In Lexington-Fayette, KY, Central Bank & Trust Co. holds 14.9% of bank deposits, #1 of 36, with 18 offices.
202 offices of 48 institutions shown.
Source: FDIC Summary of Deposits, as of June 30, 2026 (bank offices); NCUA branch file, quarter ending June 30, 2026 (credit union offices).
Share of bank deposits
As of June 30, 2026. FDIC-insured offices only; credit unions are not included.
8 of 36 institutions shown. $16.0B in bank deposits in the metro.
Source: FDIC Summary of Deposits, as of June 30, 2026.
Position over time, 2010 to 2026
June 2026: 14.9% share, 18 offices, #1 of 36
Deposit share
Offices
Rank (1 is largest)
Source: FDIC Summary of Deposits, as of June 30 of each year, 2010 to 2026.
Credit unions, reported separately
33 offices of 13 credit unions in the metro's cities. NCUA does not report deposits by office, so credit unions have no share above.
Source: NCUA branch file, quarter ending June 30, 2026.
Enforcement actions
None on file with the Federal Reserve
The Federal Reserve has no public enforcement action against this bank or its holding company on file.
Source: public enforcement action lists from the Federal Reserve, read November 1, 2026. The agencies don't always record when an order ends, so one with no end date may have ended. FDIC orders are not included yet. Actions against individual bank officers are left out.
Fee change alerts
Once when its schedule is verified, then when a verified fee changes.
See what a free sample Competitive Fee Position Report shows