Branch Presence
Banks with Branches in Owensboro, KY
Independence Bank of Kentucky is the biggest bank in Owensboro, KY, with $1.04B in deposits at its Owensboro branches, 34.3% of the city's total as of the June 30, 2026 FDIC Summary of Deposits.
12 banks operate 27 branches in Owensboro, KY, ranked below by local branch count from the FDIC Summary of Deposits. This counts every bank with a branch here, not only banks headquartered locally.
Deposit share is each bank's share of the $3.03B held in Owensboro, KY, as of the June 30, 2026 FDIC Summary of Deposits, ranked by deposits (#1 is largest). Banks that book deposits at a headquarters branch can show a share that exceeds their local customer base.
| Bank | Branches in Owensboro | Local deposits | Deposit share |
|---|---|---|---|
| Independence Bank of Kentucky | 3 | $1.04B | 34.3% (#1) |
| U.S. Bank N.A. | 3 | $417.4M | 13.8% (#2) |
| Truist Bank | 3 | $289.1M | 9.5% (#3) |
| South Central Bank, Inc. | 3 | $272.7M | 9.0% (#4) |
| German American Bank | 3 | $240.5M | 7.9% (#6) |
| JPMorgan Chase Bank, N.A. | 2 | $265.8M | 8.8% (#5) |
| Old National Bank | 2 | $181.0M | 6.0% (#7) |
| Fifth Third Bank, N.A. | 2 | $95.6M | 3.2% (#8) |
| Peoples Bank | 2 | $62.6M | 2.1% (#10) |
| First United Bank and Trust Company, Inc. | 2 | $59.8M | 2.0% (#11) |
| PNC Bank, N.A. | 1 | $85.2M | 2.8% (#9) |
| Cornerstone Community Bank | 1 | $19.9M | 0.7% (#12) |
County deposit market: Daviess, KY
The $3.03B held across 12 FDIC-insured banks in this county, as of the June 30, 2026 FDIC Summary of Deposits. The 10 largest are shown; see every bank in the Daviess, KY market with its change from a year earlier. Banks only: credit unions are not in the Summary of Deposits.
| Rank | Bank | Deposit share | Deposits | Branches |
|---|---|---|---|---|
| 1 | Independence Bank of Kentucky | 34.3% | $1.04B | 3 |
| 2 | U.S. Bank N.A. | 13.8% | $417.4M | 3 |
| 3 | Truist Bank | 9.5% | $289.1M | 3 |
| 4 | South Central Bank, Inc. | 9.0% | $272.7M | 3 |
| 5 | JPMorgan Chase Bank, N.A. | 8.8% | $265.8M | 2 |
| 6 | German American Bank | 7.9% | $240.5M | 3 |
| 7 | Old National Bank | 6.0% | $181.0M | 2 |
| 8 | Fifth Third Bank, N.A. | 3.2% | $95.6M | 2 |
| 9 | PNC Bank, N.A. | 2.8% | $85.2M | 1 |
| 10 | Peoples Bank | 2.1% | $62.6M | 2 |
Metro area deposit market: Owensboro, KY
The $3.46B held across 15 FDIC-insured banks in this metro area, as of the June 30, 2026 FDIC Summary of Deposits. The 10 largest are shown; see every bank in the Owensboro, KY market with its change from a year earlier. Banks only: credit unions are not in the Summary of Deposits.
| Rank | Bank | Deposit share | Deposits | Branches |
|---|---|---|---|---|
| 1 | Independence Bank of Kentucky | 34.8% | $1.21B | 6 |
| 2 | U.S. Bank N.A. | 12.0% | $417.4M | 3 |
| 3 | Truist Bank | 9.4% | $326.1M | 4 |
| 4 | South Central Bank, Inc. | 7.9% | $272.7M | 3 |
| 5 | JPMorgan Chase Bank, N.A. | 7.7% | $265.8M | 2 |
| 6 | German American Bank | 6.9% | $240.5M | 3 |
| 7 | Old National Bank | 5.2% | $181.0M | 2 |
| 8 | Fifth Third Bank, N.A. | 2.8% | $95.6M | 2 |
| 9 | First Financial Bank, N.A. | 2.6% | $88.6M | 2 |
| 10 | The Sacramento Deposit Bank | 2.6% | $88.4M | 1 |
Banks in Owensboro: common questions
What is the biggest bank in Owensboro, KY?
Independence Bank of Kentucky is the biggest bank in Owensboro, KY, with $1.04B in deposits at its Owensboro branches, 34.3% of the city's total as of the June 30, 2026 FDIC Summary of Deposits.
How many banks are in Owensboro, KY?
12 FDIC-insured banks operate 27 branches in Owensboro, KY as of the June 30, 2026 FDIC Summary of Deposits. This counts every bank with a branch in the city, not only banks headquartered there. Credit unions are not in the Summary of Deposits.
What are the largest banks in Owensboro, KY?
Ranked by deposits held in Owensboro branches as of the June 30, 2026 FDIC Summary of Deposits: 1. Independence Bank of Kentucky (34.3%); 2. U.S. Bank N.A. (13.8%); 3. Truist Bank (9.5%); 4. South Central Bank, Inc. (9.0%); 5. JPMorgan Chase Bank, N.A. (8.8%). The share is each bank's part of all deposits in the city.
Largest banks in Kentucky
For the state as a whole, see the largest banks in Kentucky, ranked by total assets and by deposits in Kentucky branches, or every bank in the Kentucky bank directory.
Banks in other Kentucky cities:
About this data
Branch counts and local deposits come from the FDIC Summary of Deposits, the annual June 30 survey of branch-office deposits for every FDIC-insured bank. Click any bank to see its full regulatory profile and complete branch network. Looking for banks headquartered here instead? See the US bank directory.