Our History

We’ve been evolving and expanding to meet the changing needs of our customers for over 75 years.

Central Bank traces its roots back to 1938, when the Southern Industrial Loan Company was founded. Soon after that, the name was changed to Central Exchange Bank. In 1946, Garvice D. Kincaid purchased Central Exchange Bank and shortened the name to Central Bank.

We’ve grown significantly from our humble beginnings at the corner of Short and Upper streets in downtown Lexington. We’re now proud to be community fixtures in Berea, Crestview Hills, Ft. Mitchell, Georgetown, Louisville, Lexington, Nicholasville, Richmond and Winchester.

Over the years, Central Bank has also expanded the financial services we offer our customers. We added investment brokerage services through Central Investment Center in 1993. In 2002, Central Insurance Services began offering life, health, property and employee benefit plans to personal and business clients.

We’ve built a reputation of not only taking care of our customers, but also taking care of the people who take care of our customers. Central Bank has been consistently recognized as a Best Bank to Work for by American Banker since 2013. In addition, we’ve been voted Lexington’s Best Bank by readers of the Lexington Herald-Leader for the past nine years.

Today, about 500 employees serve more than 120,000 Central Bank customers with a full range of banking, insurance, investment and wealth management services.