This institution is no longer active

Operations ceased on April 1, 1994. CRA examination history below reflects the period it was active.

CENTRAL BANK & TRUST COMPANY, OWENSBORO, KENTUCKY

OWENSBORO, KY · Supervised by FDIC

Est. 1890FDIC #14,806RSSD: FDIC-14806

Part ofNATIONAL CITY CORP→ View all charters

Outstanding

Current rating · Exam: May 1992

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At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Financial Health

Adequate

ROA 1.00%

Institution Profile

FDIC BankFind

Address

114 West 3rd Street, OWENSBORO, KY

County

Daviess County

Established

January 1, 1890

Total Assets

$198M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

May 1, 1992

Exam Type

Not Reported

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 34 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.

Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q1 1994Call Report / FDIC

Total Assets

$198M

Total Deposits

$179M

Net Loans

$133M

Net Income

$513K

ROA

1.00%

ROE

14.57%

Risk-Based Capital

11.54%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

This is the only examination on record for this bank.

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