This comparison uses public regulatory filings and TFS methodology. It evaluates financial condition—not checking rates, account fees, service quality, or which institution is universally “best.”
Bank
Lexington, KY
Health score
85.8
Total assets
$4.0B
Bank
Owensboro, KY
Health score
69.0
Total assets
$3.8B
Answer first
Central Bank & Trust Co. leads on financial health and capitalization and profitability and growth; Independence Bank of Kentucky leads on lending quality. Those category leads describe current regulatory metrics only and do not establish a universal product or service winner.
Capital and asset-quality definitions are directly comparable for this pair.
Category leaders
Financial health
Central Bank & Trust Co.
Higher TFS health score
Capitalization
Central Bank & Trust Co.
Higher comparable capital ratio
Profitability
Central Bank & Trust Co.
Higher return on assets
Lending quality
Independence Bank of Kentucky
Lower problem-loan measure
Growth
Central Bank & Trust Co.
Higher year-over-year asset growth
Same-source detail
Winner markers appear only where the metric definitions are comparable and both values are available.
| Metric | Central Bank & Trust Co. | Independence Bank of Kentucky |
|---|---|---|
| TFS health score | 85.8/100Leads | 69.0/100 |
| Total assets | $4.0B | $3.8B |
| Total deposits / shares | $3.1B | $3.0B |
| Tier 1 capital ratio | 12.42%Leads | 9.35% |
| Return on assets | 1.27%Leads | 1.12% |
| Return on equity | 10.25% | 13.76% |
Central Bank & Trust Co.
28 branches
Independence Bank of Kentucky
26 branches
Both institutions report branches in 1 state: KY.
Central Bank & Trust Co.
Unavailable
Independence Bank of Kentucky
Unavailable
Counts use an explicitly reviewed CFPB-company-to-regulatory-ID mapping and the same complete 12-month window. Parent-company attribution can include complaints involving affiliates. Lower complaint volume is context—not proof of better service or less consumer harm.
Central Bank & Trust Co.
0 in TFS registry
Independence Bank of Kentucky
0 in TFS registry
Institution-level actions come from TFS's exact regulatory-ID registry and are shown as factual context only. They do not affect category winners or the TFS Financial Health Grade. A zero means no action is currently published in this curated registry—not proof that none exists.
Quarterly history
| Quarter | Central Bank & Trust Co. score | Central Bank & Trust Co. ROA | Independence Bank of Kentucky score | Independence Bank of Kentucky ROA |
|---|---|---|---|---|
| 2024-Q3 | — | 1.01% | — | 0.56% |
| 2024-Q4 | — | 1.04% | — | 0.56% |
| 2025-Q1 | — | 1.13% | — | 0.66% |
| 2025-Q2 | — | 1.18% | — | 0.69% |
| 2025-Q3 | — | 1.21% | — | 0.73% |
| 2025-Q4 | — | 1.16% | — | 0.80% |
| 2026-Q1 | 85.1/100 |
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Coverage boundaries
Related comparisons
Financial data comes from FDIC BankFind Suite or NCUA Call Reports as labeled. TFS Health Grades are an editorial assessment, not an official government rating or financial advice. Arbitrary comparison pairs are available dynamically but remain noindex unless curated for data completeness and user value.
| Non-performing loans | 0.21% | 0.12%Leads |
| Net charge-offs | -0.04%Leads | 0.00% |
| Efficiency ratio | 69.67% | 64.08%Leads |
| Loan-to-deposit ratio | 95.66% | 69.79% |
| Asset growth (YoY) | 6.38%Leads | 0.12% |
| Deposit / share growth (YoY) | 5.97%Leads | -4.41% |
| Branches | 28 | 26 |
| Published CFPB complaints per $1B deposits (12 months)verified mappings only | — | — |
| 1.23% |
| 68.6/100 |
| 1.11% |
| 2026-Q2 | 85.8/100 | 1.27% | 69.0/100 | 1.12% |