SBA lender profile
Central Bank & Trust Co.
Central Bank & Trust Co. appears in the public SBA loan data with 33 funded 7(a) loans since FY2010, totaling $15.0M, an average of $454K per loan, and an estimated 926 jobs supported. Its SBA lending concentrates in Kentucky and the Construction sector. Across its 7(a) loans, the charge-off rate is 3.0%.
By Mario Bailey · Source: SBA FOIA 7(a) and 504 data, FY2010–2026 (as of 2026-03-31)
- Track record 69
- Scale 21
- Activity 27
- Consistency 75
A relative profile signal from the public SBA record, not a prediction of approval or a guarantee.
Is Central Bank & Trust Co. the right lender for you?
Lenders fund what they know. Central Bank & Trust Co.'s SBA lending concentrates in Kentucky (29 loans) and Construction (2 loans), at an average loan of $454K. If your business does not look like that, a different SBA lender is likely the better fit.
See which SBA lenders fund businesses like yours →Ranked on the funded-loan record, not on who pays. Free, and your details go only to the lenders we match you to.
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 | 29 | $13.2M |
| North Dakota | 1 | $800K |
| Illinois | 2 | $739K |
| Ohio | 1 | $254K |
Metro areas where Central Bank & Trust Co. funds
What Central Bank & Trust Co. funds
Top industries by funded SBA volume.
| Industry | Loans | Total volume |
|---|---|---|
| Construction | 2 | $3.5M |
| Retail Trade | 8 | $3.1M |
| Accommodation and Food Services | 9 | $2.7M |
| Administrative and Support | 2 | $1.2M |
| Other Services | 3 | $1.0M |
| Professional and Technical Services | 1 | $750K |
Central Bank & Trust Co. SBA lending by year
Funded SBA volume by approval fiscal year (FY2010–2026).
| Fiscal year | Loans | Total volume |
|---|---|---|
| 2010 | 5 | $1.8M |
| 2011 | 2 | $424K |
| 2012 | 3 | $760K |
| 2013 | 2 | $1.2M |
| 2014 | 2 | $808K |
| 2015 | 2 | $1.4M |
| 2016 | 3 | $907K |
| 2017 | 2 | $244K |
| 2018 | 3 | $572K |
| 2019 | 2 | $384K |
| 2020 | 1 | $3.3M |
| 2021 | 2 | $455K |
| 2023 | 1 | $350K |
| 2024 | 1 | $925K |
| 2026 | 2 | $1.5M |
Related SBA lenders
Other lenders active in Kentucky or in Construction.
Comparing lenders? See how to choose an SBA lender by track record.
Central Bank & Trust Co.: frequently asked questions
Does Central Bank & Trust Co. offer SBA loans?
Yes. Central Bank & Trust Co. appears in the public SBA data with 33 funded SBA 7(a) loans totaling $15.0M.
How many SBA loans has Central Bank & Trust Co. made?
Central Bank & Trust Co. is associated with 33 SBA 7(a) loans totaling $15.0M in the public SBA data (as of 2026-03-31).
What is Central Bank & Trust Co.'s SBA charge-off rate?
About 3.0% of Central Bank & Trust Co.'s 7(a) loans in the data have been charged off. A lower rate is generally a better sign, but it is not a lifetime default rate; see our methodology for how it is calculated.
Where does Central Bank & Trust Co. do most of its SBA lending?
Central Bank & Trust Co.'s SBA lending in the data is most concentrated in Kentucky, and by industry in Construction.
This page is the public view of your institution's SBA record: rank, trajectory, and market position, computed from the complete public 7(a)/504 dataset. The full competitive picture (your share against named competitors by state and industry, and the growing markets you're absent from) is available to your team.
Request your institution's benchmarking →Mario Bailey. (2026). Central Bank & Trust Co. SBA lending profile. SBA Loan Index. https://sbaloanindex.com/lenders/central-bank-trust-co/
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