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SCAM ALERT: Scams involving spoofed numbers and the impersonation of local bank employees to obtain customer information are on the rise. PLEASE DO NOT PROVIDE PASSWORDS OR DEBIT CARD PIN NUMBERS. WE WILL NEVER ASK FOR THIS INFORMATION. If you receive a suspicious phone call or text message, please use caution and contact us at the number on the back of your credit or debit card or dial (859) 253-6359.

Regulation F

For the purpose of maintaining compliance with Regulation F, we are providing our correspondent customers with our Second Quarter 2025 Capital and Leverage Ratios.

WELL-CAPITALIZED BANK

REQUIRED

CENTRAL BANK

Leverage Capital

5.00%

12.10%

Common Equity Tier 1

6.50%

14.42%

Tier One Capital to Risk Weighted Assets

8.00%

14.42%

Total Capital to Risk Weighted Assets

10.00%

15.42%

As you can see, Central Bank continues to maintain the ratios to be considered a well-capitalized bank. Should you have any questions or if to request past ratios, please feel free to contact me at 1-800-432-0721.

Sincerely,

Doug Flynn
Correspondent Banking Officer