SBA lender profile
Central Bank & Trust Co.
Central Bank & Trust Co. appears in the public SBA loan data with 7 funded 7(a) loans totaling $6.5M, an average of $931K per loan, and an estimated 210 jobs supported. Its SBA lending concentrates in Kentucky and the Construction sector. Across all of its loans in the data, its charge-off rate is 0.0%.
By Mario Bailey · Source: SBA FOIA 7(a) and 504 data, as of 2026-03-31
Funded loans
7
Total volume
$6.5M
Average loan size
$931K
Charge-off rate
0.0%
Share of funded loans charged off
Jobs supported (reported)
210
Programs
7(a)
Bank profile
via FDIC- Total assets
- $4.0B
- Headquarters
- Lexington, KY
- FDIC cert
- #15815
- Status
- Active
Where Central Bank & Trust Co. lends
Top states by funded SBA volume.
| State | Loans | Total volume |
|---|---|---|
| Kentucky | 7 | $6.5M |
What Central Bank & Trust Co. funds
Top industries by funded SBA volume.
| Industry | Loans | Total volume |
|---|---|---|
| Construction | 1 | $3.3M |
| Retail Trade | 2 | $1.3M |
| Other Services | 2 | $824K |
| Professional and Technical Services | 1 | $750K |
| Accommodation and Food Services | 1 | $360K |
Central Bank & Trust Co. SBA lending by year
| Fiscal year | Loans | Total volume |
|---|---|---|
| 2020 | 1 | $3.3M |
| 2021 | 2 | $455K |
| 2023 | 1 | $350K |
| 2024 | 1 | $925K |
| 2026 | 2 | $1.5M |
Sources and disclaimer. All figures are computed from
the U.S. Small Business Administration's public FOIA 7(a) and 504 loan data (as of 2026-03-31),
as described in our methodology.
The charge-off rate is the share of Central Bank & Trust Co.'s funded loans marked charged off across all of its
loans in the data; it is not a lifetime default rate. SBA Loan Index is not affiliated with the
SBA and is not a lender, broker, or financial advisor. This is general information, not advice.
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