# CENTURY BANK OF KENTUCKY INC
LAWRENCEBURG, KY · FDIC certificate 35450 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *fortress*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $208.1M | |
| Deposits | $188.0M | |
| Loans and leases | $142.9M | |
| Total equity | $19.6M | |
| Loans / deposits | 75.29% (p53 of band) | 73.59% |
| Liquid assets / assets | 29.28% (p42 of band) | |
| Uninsured deposits / deposits | 14.25% (p29 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.41% (p31 of band) | 11.76% |
| Unrealized securities loss / equity | -10.40% (p39 of band) | -6.57% |
| AOCI / equity | -1.53% (p18 of band) | |
| ROA (annualized) | 2.17% (p89 of band) | 1.17% |
| Net interest margin | 4.03% (p56 of band) | 3.93% |
| Efficiency ratio | 49.36% (p12 of band) | |
| Noncurrent loans | 0.00% (p12 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p57 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 97% | |
| Construction % of loans | 92.57% (p93 of band) | |
| Auto loans | $992,000 (0.69% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 6.4% | |
| Employees | 24 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 2 | noncurrent p90 |  |
| 2011-09 | 2 |  |  |
| 2011-12 | 1 |  | noncurrent p90 |
| 2012-03 | 3 | capital falling, charge-offs p90 |  |
| 2012-06 | 2 |  | charge-offs p90 |
| 2012-09 | 1 |  | capital falling |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 2 | construction >100% equity |  |
| 2014-09 | 1 |  | construction >100% equity |
| 2014-12 | 1 |  |  |
| 2015-03 | 2 | uninsured deposits leaving |  |
| 2015-06 | 3 | capital falling, construction >100% equity | uninsured deposits leaving |
| 2015-09 | 1 |  | capital falling, construction >100% equity |
| 2015-12 | 1 |  |  |
| 2016-03 | 1 |  |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 0 |  | reserve under noncurrent |
| 2016-12 | 0 |  |  |
| 2017-03 | 1 | construction >100% equity |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 2 | capital falling |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 0 |  | construction >100% equity, capital falling |
| 2018-06 | 2 | construction >100% equity, uninsured deposits leaving |  |
| 2018-09 | 3 | reserve under noncurrent |  |
| 2018-12 | 3 |  |  |
| 2019-03 | 2 |  | uninsured deposits leaving |
| 2019-06 | 2 |  |  |
| 2019-09 | 2 |  |  |
| 2019-12 | 2 |  |  |
| 2020-03 | 1 |  | construction >100% equity |
| 2020-06 | 2 | uninsured deposits leaving |  |
| 2020-09 | 3 | construction >100% equity |  |
| 2020-12 | 1 |  | reserve under noncurrent, construction >100% equity |
| 2021-03 | 3 | capital falling, reserve under noncurrent, construction >100% equity | uninsured deposits leaving |
| 2021-06 | 2 |  | reserve under noncurrent |
| 2021-09 | 1 |  | capital falling |
| 2021-12 | 1 |  |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 2 | AOCI drag >20% of equity |  |
| 2022-09 | 3 | securities losses >30% of equity |  |
| 2022-12 | 4 | capital falling |  |
| 2023-03 | 1 |  | AOCI drag >20% of equity, securities losses >30% of equity, capital falling |
| 2023-06 | 1 |  |  |
| 2023-09 | 2 | securities losses >30% of equity |  |
| 2023-12 | 2 | capital falling | securities losses >30% of equity |
| 2024-03 | 1 |  | capital falling |
| 2024-06 | 1 |  |  |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 0 |  | construction >100% equity |
| 2025-09 | 1 | construction >100% equity |  |
| 2025-12 | 2 | capital falling |  |
| 2026-03 | 1 |  | capital falling |
| 2026-06 | 0 |  | construction >100% equity |

## In the news (Google News, unfiltered, newest first; check the city)

- 2019-10-11 [CKY Market Review: ‘A good year for Kentucky banks’ - The Lane Report](https://news.google.com/rss/articles/CBMilgFBVV95cUxQbUJiMUdDSVJzeHZ2YzRSZXAxay15YU1icFRwN2ROdDZ6NWV3MlRpSVViY0Q0b0pOQ3NDMFYtTGtJVEsxZDJpY1Q5SnB5aGxLbTJ6VmllUnFxaUlOQnZpSTVXLXMwWmxEV3lNM0tHN29lbEkxbnJfYU1VSDZReTlmVzZZMnhlUloxRkV0V3FPRlhGRjZ6MGc?oc=5) · The Lane Report
- 2021-10-27 [Central Kentucky financial institutions help customers navigate pandemic - The Lane Report](https://news.google.com/rss/articles/CBMitgFBVV95cUxPbGpDQ000ZkN3eU1ic0Z5dWxCcmVXeGFxbG9VMGVoSVhKVFBnZjhrdzdwd1JyeWtrOEg1VVVHNUZLMW1GSEw1VmtzaE5CUjkxLWRNRlpZSnkzNUFFMlJadDFUSVQ2akxfZDZpN09mUWVESEdJUUxLR0dnN0dWRWxuNjRsTE1vT2VsMVJCajlacnlmQ3o1RVppWTJuREVzazRUcVlrdUxSeUlPYlJVZWdPTjZ6bENQdw?oc=5) · The Lane Report
- 2016-08-29 [Louisville home builder says foray into apartments will be 'small but powerful' development - The Business Journals](https://news.google.com/rss/articles/CBMirwFBVV95cUxPUnZqQ0k1dmtHSlBzVnJtdDY2NlZ2M3U1QUpTemFTREFIUHZrZEZjSGRNcUhNMTlxcVh5YmIydEw5NlpNVEZGbTJnRTk4bXBZQmFFSUV0OUM3V3E4aHRKREl0OWZhbzhTLXYyMWNvZHAtVkpTUjBtLWlQZFpqVXVHdXZCU1V2V3ZUZUpLNlhja2ZtZ1g1SjhHVUlPTXY3aFI5SG11SHRNVjlyMWpaUGRR?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=35450 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/58.json (key "35450", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide