Lender record
Central Bank & Trust Co.
The real lending record — every figure from funded deals. HQ: 300 W Vine St, Lexington, KY. 28 branches.
7
Recent deals (FY20+)
$729K
Typical deal
—
Approval → funding
Where Central Bank & Trust Co. lends
Deals Central Bank & Trust Co. funded — list all 7 as text
- Kingdom Forward Solutions, Inc. — Nicholasville · $750K · FY2026 · Computer Facilities Management Services
- Majestic Nails & Spa , LLC — Louisville · $729K · FY2026 · Nail Salons
- Ferrell Drug, Inc. — Owingsville · $925K · FY2024 · Pharmacies and Drug Retailers
- Los Hermanos Market, LLC — Lexington · $350K · FY2023 · Convenience Retailers
- Sandwich Squad, Inc. — Frankfort · $360K · FY2021 · Full-Service Restaurants
- Lexington Laser Hair Removal, LLC — Lexington · $95K · FY2021 · Other Personal Care Services
- Fristoe & Reynolds Inc — Lexington · $3.3M · FY2020 · Plumbing, Heating, and Air-Conditioning Contractors
Deal profile
Most Central Bank & Trust Co. deals land between $350K and $925K — that range covers half of everything they fund. Top industries and states:
Industries they fund most
- 1.Computer Facilities Management Services (1)
- 2.Nail Salons (1)
- 3.Pharmacies and Drug Retailers (1)
- 4.Convenience Retailers (1)
- 5.Full-Service Restaurants (1)
- 6.Other Personal Care Services (1)
- 7.Plumbing, Heating, and Air-Conditioning Contractors (1)
Most active states
- 1.Kentucky (7 deals)
Franchises they finance most
Can Central Bank & Trust Co. fund you? The bank behind the loans
Total assets
$4.0B
▲ 1.2% vs prior quarter
Deposits on hand
$3.1B
▲ 1.3% vs prior quarter
Loans outstanding
$2.9B
▲ 0.7% vs prior quarter
Net income (latest qtr)
$12.2M
- •SBA is a sideline here — this year's production is a rounding error against the loan book. Your deal competes with everything else they'd rather fund; a specialist bank will usually move faster. That makes Central Bank & Trust Co. more SBA-focused than 32% of the banks on our record.
- •Deposits grew last quarter — more raw lending capacity than the quarter before.
- •Return on assets of 1.23% — above the ~1% mark generally considered strong for a bank. How any of this translates to your rate is a question for the loan officer — pricing is set deal by deal.
FDIC call-report data, quarter ending 03/2026.
Walk into a Central Bank & Trust Co. branch (28)
Central Bank & Trust Co.Main office300 W Vine StLexington, KY 40507 · since 1938
North Maple Branch43 N Maple StWinchester, KY 40391 · since 1885
Southland Branch256 Southland DrLexington, KY 40503 · since 1968
Nicholasville Road Branch100 E Reynolds RdLexington, KY 40517 · since 1971
Richmond Road Branch2233 Richmond RdLexington, KY 40502 · since 1971
Versailles Road Branch2347 Versailles RdLexington, KY 40504 · since 1972
North Park Branch515 W New Circle RdLexington, KY 40511 · since 1972
Tates Creek Road Branch3270 Tates Creek RdLexington, KY 40502 · since 1972
Tates Creek Centre Branch4090 Tates Creek Centre DrLexington, KY 40517 · since 1983
Pioneer Drive1110 Pioneer DrWinchester, KY 40391 · since 1990
Harrodsburg Road Branch3700 Harrodsburg RdLexington, KY 40503 · since 1991
Andover Banking Center Branch3101 Mapleleaf DrLexington, KY 40509 · since 1996
Taylorsville Rd Branch4630 Taylorsville RdLouisville, KY 40220 · since 1996
Nicholasville Branch301 N Main StNicholasville, KY 40356 · since 1998
Hurstbourne Plaza Branch9300 Shelbyville RdLouisville, KY 40222 · since 2001
Georgetown Branch - Connector Road410 Connector RdGeorgetown, KY 40324 · since 2002
Turfway Road Branch7310 Turfway RdFlorence, KY 41042 · since 2005
Berea Branch101 Brentwood DrBerea, KY 40403 · since 2006
Richmond Branch350 W Main StRichmond, KY 40475 · since 2006
Keene Road Branch1471 Keene RdNicholasville, KY 40356 · since 2006
Waterfront Plaza Branch321 W Main StLouisville, KY 40202 · since 2007
Fort Mitchell Branch2075 Dixie HwyFort Mitchell, KY 41011 · since 2007
Sir Barton Branch2443 Sir Barton WayLexington, KY 40509 · since 2008
Crestview Hills Branch2850 Turkeyfoot RdCrestview Hills, KY 41017 · since 2008
Eastland Banking Center649 E New Circle RdLexington, KY 40505 · since 2010
Georgetown Branch100 W Main StGeorgetown, KY 40324 · since 2011
Union Branch9021 Us Highway 42Union, KY 41091 · since 2019
Outer Loop Brnch3541 Outer LoopLouisville, KY 40219 · since 2019
Scroll for all 28 branches · Branch data: FDIC BankFind.
Recent deals
- Kingdom Forward Solutions, Inc. in Nicholasville, KY — $750K (2026) · purchase · Computer Facilities Management Services
- Program
- 7a General
- Rate at approval
- 8.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $563K (75%)
- Approval → funding
- 50 days
- Approved
- 12/18/2025
- First disbursed
- 2/6/2026
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 10
- Business age
- Change of Ownership
- Industry
- Computer Facilities Management Services
If you were the buyer here
- Est. deal size
- $833K
- Est. down payment (10%)
- $83K
- Est. cash at closing
- $114K
- Monthly payment
- $9,299
- Annual debt service
- $112K
- Cash flow needed (1.25×)
- $139K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Your business? Claim this record · Request removal
- Majestic Nails & Spa , LLC in Louisville, KY — $729K (2026) · Nail Salons
- Program
- 7a General
- Rate at approval
- 8.75% variable
- Term
- 84 mo (7 yrs)
- SBA guaranteed
- $547K (75%)
- Approved
- 3/20/2026
- Loan status
- Committed
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 12
- Business age
- Existing or more than 2 years old
- Industry
- Nail Salons
Your business? Claim this record · Request removal
- Ferrell Drug, Inc. in Owingsville, KY — $925K (2024) · Pharmacies and Drug Retailers
- Program
- 7a General
- Rate at approval
- 9% variable
- Term
- 72 mo (6 yrs)
- SBA guaranteed
- $694K (75%)
- Approval → funding
- 21 days
- Approved
- 9/12/2024
- First disbursed
- 10/3/2024
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 11
- Business age
- Existing or more than 2 years old
- Industry
- Pharmacies and Drug Retailers
Your business? Claim this record · Request removal
- Los Hermanos Market, LLC in Lexington, KY — $350K (2023) · Convenience Retailers
- Program
- 7a General
- Rate at approval
- 7.5% fixed
- Term
- 54 months
- SBA guaranteed
- $263K (75%)
- Approval → funding
- 20 days
- Approved
- 12/30/2022
- First disbursed
- 1/19/2023
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 27
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Convenience Retailers
Your business? Claim this record · Request removal
- Sandwich Squad, Inc. in Frankfort, KY — $360K (2021) · Full-Service Restaurants
- Program
- 7a General
- Rate at approval
- 4.5% fixed
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $324K (90%)
- Approval → funding
- 49 days
- Approved
- 3/30/2021
- First disbursed
- 5/18/2021
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Franchise
- Jimmy John's
- Jobs supported
- 122
- Business age
- Existing or more than 2 years old
- Industry
- Full-Service Restaurants
Your business? Claim this record · Request removal
- Lexington Laser Hair Removal, LLC in Lexington, KY — $95K (2021) · Other Personal Care Services
- Program
- 7a General
- Rate at approval
- 5% fixed
- Term
- 60 mo (5 yrs)
- SBA guaranteed
- $81K (85%)
- Approval → funding
- 0 days
- Approved
- 12/15/2020
- First disbursed
- 12/15/2020
- Loan status
- Paid in full (3/31/2025)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 1
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Other Personal Care Services
Your business? Claim this record · Request removal
- Fristoe & Reynolds Inc in Lexington, KY — $3.3M (2020) · Plumbing, Heating, and Air-Conditioning Contractors
- Program
- 7a General
- Rate at approval
- 5% fixed
- Term
- 84 mo (7 yrs)
- SBA guaranteed
- $2.5M (75%)
- Approval → funding
- 28 days
- Approved
- 8/20/2020
- First disbursed
- 9/17/2020
- Loan status
- Paid in full (12/31/2022)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 27
- Business age
- Existing or more than 2 years old
- Industry
- Plumbing, Heating, and Air-Conditioning Contractors
Your business? Claim this record · Request removal
Hover or tap a deal for terms: program, rate, SBA guarantee, days to fund.
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Businesses Central Bank & Trust Co. financed
7 businesses on record. Each links to its full SBA record.
- Fristoe & Reynolds IncLexington, KY · 1 loan$3.3M
- Ferrell Drug, Inc.Owingsville, KY · 1 loan$925K
- Kingdom Forward Solutions, Inc.Nicholasville, KY · 1 loan$750K
- Majestic Nails & Spa , LLCLouisville, KY · 1 loan$729K
- Sandwich Squad, Inc.Frankfort, KY · 1 loan$360K
- Los Hermanos Market, LLCLexington, KY · 1 loan$350K
- Lexington Laser Hair Removal, LLCLexington, KY · 1 loan$95K
Work at Central Bank & Trust Co.?
Claim this profile to keep your record accurate, route buyer leads to your team, or sponsor your placement in the rankings.
CapBench analysis of public lending records, FY2020–present. Not affiliated with Central Bank & Trust Co..
Agent summary
This page summarizes Central Bank & Trust Co.'s public SBA 7(a) lending record — deal sizes, industries, geography, and FDIC profile — from CapBench SBA Intelligence. CapBench is not a lender and does not originate or approve loans.
- 7 SBA 7(a) loans on record
- $729K typical deal
- 1 business-acquisition loans
- HQ: 300 W Vine St, Lexington, KY
- 28 FDIC branch locations
- FDIC total assets $4.0B
- Data freshness:
- SBA records through 2026-05-31; FDIC through 2026-03-31; page updated 2026-06-18.
- Sources:
- Public SBA 7(a) loan records; FDIC institution data (BankFind); CapBench lender and franchise enrichment.
- Methodology:
- Sources & methodology
- Informational only — CapBench does not confirm this entity is for sale, eligible for SBA financing, or approved by any lender.
- Figures come from public records and CapBench methodology; verify before relying on them.
- Lender matches are informational and based on public lending activity — they do not guarantee lender interest or approval.
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