State Hub
Banks in Kentucky
All FDIC-insured banks headquartered in Kentucky
Every FDIC-insured commercial bank headquartered in Kentucky, with the most recent quarterly call report data — total assets, deposits, capital ratios, asset quality, and profitability. Click any bank for the full performance profile.
Kentucky is home to 121 FDIC-insured banks headquartered in the state, with $84.81B in combined assets and $71.32B in deposits. The largest is Stock Yards Bank & Trust Company ($9.46B) — about 11% of the group's total banking assets , followed by Republic Bank & Trust Company and Community Trust Bank, INC. . Across these banks, the asset-weighted return on assets is 1.42% and the median CET1 capital ratio is 14.76% .
Banks
121
Total Assets
$84.81B
Total Deposits
$71.32B
Avg ROA
1.42%
Median CET1
14.76%
Largest by Assets
| Bank | HQ | Assets | ROA | NIM | Eff. | CET1 | NPL | Texas |
|---|---|---|---|---|---|---|---|---|
| STOCK YARDS BANK & TRUST COMPANY | LOUISVILLE , KY | $9.46B | 1.61% | 3.61% | 51.1% | 11.93% | 0.15% | 1.2% |
| REPUBLIC BANK & TRUST COMPANY | LOUISVILLE , KY | $7.25B | 2.33% | 5.45% | 44.9% | 16.42% | 0.76% | 3.8% |
| COMMUNITY TRUST BANK, INC. | PIKEVILLE , KY | $6.70B | 1.58% | 3.76% | 46.7% | — | 0.74% | 5.6% |
| CENTRAL BANK & TRUST COMPANY | LEXINGTON , KY | $3.99B | 1.24% | 3.96% | 69.7% | 15.03% | 0.64% | 3.9% |
| INDEPENDENCE BANK OF KENTUCKY | OWENSBORO , KY | $3.79B | 1.12% | 2.64% | 64.4% | — | 0.21% | 1.4% |
| TRADITIONAL BANK, INC. | MOUNT STERLING , KY | $2.41B | 1.12% | 3.25% | 52.4% | 13.83% | 0.55% | 4.6% |
| SOUTH CENTRAL BANK, INC. | GLASGOW , KY | $2.17B | 1.36% | 3.73% | 54.1% | 12.03% | 0.96% | 8.1% |
| HERITAGE BANK, INC. | ERLANGER , KY | $2.00B | 1.00% | 3.51% | 61.4% | 11.50% | 0.60% | 5.0% |
| PLANTERS BANK, INC. | HOPKINSVILLE , KY | $1.93B | 1.26% | 3.20% | 50.8% | 15.09% | 1.22% | 11.0% |
| WHITAKER BANK, INC | LEXINGTON , KY | $1.93B | 1.38% | 4.06% | 61.5% | — | 0.16% | 1.3% |
| FORCHT BANK, NATIONAL ASSOCIATION | LEXINGTON , KY | $1.65B | 0.60% | 3.05% | 77.4% | 12.21% | 0.09% | 0.9% |
| CECILIAN BANK, THE | CECILIA , KY | $1.57B | 1.60% | 3.79% | 50.0% | — | 0.61% | 3.9% |
| COMMUNITY FINANCIAL SERVICES BANK | BENTON , KY | $1.37B | 0.92% | 3.44% | 69.2% | 13.47% | 0.57% | 4.6% |
| FIRST SOUTHERN NATIONAL BANK | LANCASTER , KY | $1.28B | 1.57% | 4.58% | 65.4% | 17.75% | 1.17% | 9.6% |
| EDMONTON STATE BANK | GLASGOW , KY | $1.17B | 2.57% | 4.75% | 45.4% | — | 0.01% | 2.0% |
| MONTICELLO BANKING COMPANY | MONTICELLO , KY | $1.09B | 0.93% | 3.55% | 69.5% | — | 0.16% | 1.3% |
| PADUCAH BANK AND TRUST COMPANY, THE | PADUCAH , KY | $1.02B | 2.28% | 4.19% | 53.1% | 12.91% | 0.08% | 1.8% |
| FARMERS NATIONAL BANK OF DANVILLE, THE | DANVILLE , KY | $983.4M | 1.07% | 4.46% | 62.4% | 13.13% | 1.60% | 12.4% |
| AMERICAN BANK & TRUST COMPANY INC. | BOWLING GREEN , KY | $892.2M | 1.01% | 3.20% | 56.9% | 11.35% | 1.35% | 11.4% |
| Field & Main Bank | Henderson , KY | $859.7M | 1.20% | 3.71% | 63.3% | 11.69% | 0.73% | 9.5% |
| WILSON & MUIR BANK & TRUST COMPANY | BARDSTOWN , KY | $847.3M | 2.48% | 4.33% | 47.1% | 14.40% | 0.36% | 3.3% |
| CUMBERLAND VALLEY NATIONAL BANK & TRUST COMPANY | EAST BERNSTADT , KY | $833.1M | 0.97% | 3.73% | 68.1% | — | 0.50% | 3.4% |
| FRANKLIN BANK & TRUST COMPANY | FRANKLIN , KY | $802.6M | 1.62% | 3.95% | 51.5% | — | 0.85% | 5.2% |
| FARMERS BANK & TRUST COMPANY | MARION , KY | $771.9M | 1.87% | 4.08% | 56.4% | 11.23% | 0.11% | 2.2% |
| FNB BANK, INC. | MAYFIELD , KY | $765.9M | 1.31% | 3.45% | 55.0% | 12.26% | 1.03% | 8.6% |
| CITIZENS NATIONAL BANK OF SOMERSET, THE | SOMERSET , KY | $706.5M | 1.59% | 3.21% | 56.4% | 14.84% | 0.13% | 1.0% |
| CITIZENS BANK OF KENTUCKY, INC | PAINTSVILLE , KY | $686.0M | 0.95% | 3.44% | 68.2% | 23.46% | 0.68% | 3.0% |
| FIRST & FARMERS NATIONAL BANK, INC. | SOMERSET , KY | $679.5M | 1.47% | 4.16% | 51.8% | 14.73% | 0.79% | 5.0% |
| PEOPLES EXCHANGE BANK, INC. | WINCHESTER , KY | $626.9M | 1.23% | 4.02% | 62.5% | — | 0.13% | 2.3% |
| FIRST UNITED BANK AND TRUST COMPANY, INC. | MADISONVILLE , KY | $605.6M | 1.35% | 3.71% | 66.3% | 13.62% | 0.29% | 3.1% |
| FIRST KENTUCKY BANK, INC. | MAYFIELD , KY | $594.9M | 1.21% | 3.37% | 67.4% | 13.57% | 0.19% | 1.7% |
| HEARTHSIDE BANK CORPORATION | MIDDLESBORO , KY | $591.1M | 0.78% | 3.81% | 73.7% | 13.95% | 0.30% | 2.4% |
| WEST POINT BANK | RADCLIFF , KY | $570.5M | 1.20% | 3.10% | 50.5% | 11.43% | 1.23% | 12.9% |
| PEOPLES BANK OF KENTUCKY, INC. | FLEMINGSBURG , KY | $557.6M | -0.97% | 4.52% | 52.9% | 15.64% | 2.65% | 14.6% |
| MURRAY BANK, THE | MURRAY , KY | $550.9M | 2.02% | 3.55% | 46.0% | 13.02% | 0.68% | 5.3% |
| UNITED COMMUNITY BANK OF WEST KENTUCKY, INC. | MORGANFIELD , KY | $529.0M | 1.48% | 3.47% | 49.9% | — | 0.13% | 1.0% |
| MAGNOLIA BANK, INC | ELIZABETHTOWN , KY | $523.7M | 1.48% | 3.74% | 81.8% | — | 2.10% | 16.3% |
| ECLIPSE BANK, INC. | LOUISVILLE , KY | $495.1M | 0.49% | 2.66% | 77.5% | — | 0.21% | 8.7% |
| RIVER CITY BANK, INC. | LOUISVILLE , KY | $489.9M | 0.77% | 3.34% | 70.8% | 14.42% | 0.37% | 2.7% |
| FIRST COMMUNITY BANK OF THE HEARTLAND, INC. | CLINTON , KY | $488.3M | 1.22% | 3.85% | 72.5% | 10.55% | 0.57% | 10.3% |
| SPRINGFIELD STATE BANK | SPRINGFIELD , KY | $477.9M | 1.12% | 2.91% | 50.1% | — | 0.37% | 2.4% |
| CASEY COUNTY BANK, INC., THE | LIBERTY , KY | $473.8M | 1.35% | 3.39% | 48.7% | 11.70% | 0.32% | 1.9% |
| MEADE COUNTY BANK, INC. | BRANDENBURG , KY | $469.7M | 1.32% | 3.45% | 51.1% | 12.67% | 0.03% | 0.8% |
| FIRST NATIONAL BANK OF RUSSELL SPRINGS, THE | RUSSELL SPRINGS , KY | $469.5M | 1.27% | 3.36% | 49.5% | — | 0.11% | 0.9% |
| UNITED CUMBERLAND BANK | WHITLEY CITY , KY | $459.5M | 1.91% | 4.24% | 56.8% | — | 1.46% | 9.0% |
| LINCOLN NATIONAL BANK OF HODGENVILLE, THE | HODGENVILLE , KY | $455.9M | 1.31% | 4.46% | 62.0% | 23.11% | 0.70% | 3.9% |
| MORGANTOWN BANK & TRUST COMPANY, INCORPORATED | MORGANTOWN , KY | $435.0M | 0.78% | 3.56% | 71.8% | 11.43% | 0.25% | 3.0% |
| TOWN & COUNTRY BANK AND TRUST COMPANY | BARDSTOWN , KY | $432.1M | 1.27% | 4.45% | 61.7% | — | 1.75% | 9.1% |
| PBT BANCORP | HAZARD , KY | $431.7M | -0.23% | 4.03% | 92.0% | 10.30% | 3.38% | 48.3% |
| CUMBERLAND SECURITY BANK, INC. | SOMERSET , KY | $416.6M | 3.80% | 5.44% | 35.1% | 16.72% | 0.17% | 1.0% |
| BANK OF THE BLUEGRASS AND TRUST CO. | LEXINGTON , KY | $415.2M | 1.31% | 3.53% | 61.8% | — | 0.03% | 0.2% |
| FIRST STATE BANK | IRVINGTON , KY | $414.5M | 1.80% | 4.20% | 44.0% | 16.22% | 1.14% | 8.3% |
| FIRST STATE BANK OF THE SOUTHEAST, INC | MIDDLESBORO , KY | $412.3M | 0.05% | 3.65% | 98.6% | 10.67% | 0.61% | 6.3% |
| BANK OF LEXINGTON, INC. | LEXINGTON , KY | $399.4M | 1.35% | 3.93% | 54.7% | 16.33% | 0.00% | 0.0% |
| CITIZENS BANK & TRUST COMPANY | CAMPBELLSVILLE , KY | $381.5M | 1.22% | 3.15% | 54.9% | — | 0.68% | 2.9% |
| FIRST NATIONAL BANK OF GRAYSON, THE | GRAYSON , KY | $364.3M | 1.90% | 4.60% | 50.9% | — | 1.35% | 7.3% |
| UNITED SOUTHERN BANK | HOPKINSVILLE , KY | $360.3M | 1.38% | 4.34% | 57.6% | — | 0.39% | 2.4% |
| 1ST TRUST BANK, INC. | HAZARD , KY | $345.9M | 0.66% | 3.40% | 72.0% | — | 0.49% | 12.7% |
| CITIZENS DEPOSIT BANK OF ARLINGTON, INC. | ARLINGTON , KY | $342.4M | 1.46% | 3.46% | 58.2% | — | 0.07% | 4.0% |
| KENTUCKY FARMERS BANK CORPORATION | ASHLAND , KY | $319.6M | 2.02% | 4.47% | 59.0% | 26.76% | 0.18% | 0.8% |
| FARMERS BANK OF MILTON, THE | MILTON , KY | $312.9M | 0.60% | 2.94% | 73.5% | 18.55% | 1.25% | 8.7% |
| CITIZENS GUARANTY BANK | RICHMOND , KY | $299.2M | 1.76% | 5.48% | 67.4% | 11.87% | 2.57% | 23.7% |
| HOMETOWN BANK OF CORBIN INC. | CORBIN , KY | $298.0M | 0.73% | 3.57% | 77.9% | 12.55% | 0.53% | 4.7% |
| BANK OF EDMONSON COUNTY | BROWNSVILLE , KY | $289.2M | 1.39% | 3.54% | 61.4% | 16.67% | 1.39% | 10.3% |
| FIRST FEDERAL SAVINGS BANK OF KENTUCKY | FRANKFORT , KY | $287.8M | 0.66% | 3.16% | 72.3% | — | 0.45% | 3.7% |
| UNITED CITIZENS BANK OF SOUTHERN KENTUCKY, INC. | COLUMBIA , KY | $277.6M | 1.93% | 4.81% | 48.4% | 16.29% | 0.30% | 2.4% |
| FARMERS BANK | NICHOLASVILLE , KY | $271.1M | 0.99% | 3.44% | 61.8% | 19.64% | 0.00% | 0.0% |
| BANK OF HINDMAN | HINDMAN , KY | $268.1M | 0.42% | 1.98% | 75.0% | 15.63% | 0.45% | 15.1% |
| BANK OF JAMESTOWN | JAMESTOWN , KY | $262.8M | 1.21% | 3.50% | 55.9% | — | 0.28% | 1.2% |
| FIRST NATIONAL BANK OF KENTUCKY | CARROLLTON , KY | $257.1M | 1.46% | 4.21% | 66.3% | 12.62% | 0.75% | 5.9% |
| CITIZENS BANK | MOUNT VERNON , KY | $253.3M | 1.54% | 4.02% | 65.0% | 11.20% | 1.28% | 12.9% |
| TAYLOR COUNTY BANK | CAMPBELLSVILLE , KY | $248.7M | 1.91% | 4.13% | 54.8% | — | 1.45% | 11.7% |
| COMMERCIAL BANK OF GRAYSON, THE | GRAYSON , KY | $244.3M | 0.69% | 4.28% | 76.7% | 17.43% | 1.41% | 19.4% |
| FARMERS BANK AND TRUST COMPANY | PRINCETON , KY | $240.5M | 1.49% | 3.84% | 60.5% | — | 0.01% | 0.2% |
| LEWISBURG BANKING COMPANY | LEWISBURG , KY | $234.8M | 1.77% | 3.98% | 57.5% | — | 0.62% | 5.0% |
| FIRST NATIONAL BANK OF MANCHESTER, THE | MANCHESTER , KY | $231.4M | 0.98% | 4.58% | 73.5% | 14.42% | 0.57% | 15.1% |
| BANK OF COLUMBIA | COLUMBIA , KY | $229.8M | 2.30% | 4.48% | 51.9% | — | 0.17% | 7.7% |
| CITIZENS BANK, THE | MOREHEAD , KY | $227.9M | 2.20% | 4.79% | 58.6% | 16.35% | 0.07% | 0.5% |
| UNITED CITIZENS BANK & TRUST COMPANY | CAMPBELLSBURG , KY | $226.4M | 0.94% | 4.43% | 72.3% | — | 2.18% | 17.7% |
| CITIZENS BANK, THE | HICKMAN , KY | $224.0M | 1.49% | 3.97% | 60.4% | — | 0.01% | 2.2% |
| CITIZENS BANK & TRUST CO. OF JACKSON | JACKSON , KY | $216.4M | 1.03% | 4.39% | 77.4% | 13.71% | 1.98% | 25.5% |
| COMMERCIAL BANK | WEST LIBERTY , KY | $215.8M | 1.26% | 3.94% | 64.2% | 15.70% | 1.36% | 11.7% |
| FIRST & PEOPLES BANK AND TRUST COMPANY | RUSSELL , KY | $209.3M | -0.53% | 2.75% | 110.3% | — | 17.15% | 77.0% |
| CENTURY BANK OF KENTUCKY, INC. | LAWRENCEBURG , KY | $204.3M | 2.07% | 3.90% | 49.4% | — | 0.45% | 3.2% |
| ELKTON BANK & TRUST COMPANY | ELKTON , KY | $197.4M | 0.90% | 3.30% | 69.3% | 29.37% | 0.00% | 0.0% |
| PEOPLES BANK | LEBANON , KY | $195.3M | 1.00% | 4.04% | 64.3% | — | 0.00% | 6.9% |
| BANK OF CLARKSON | CLARKSON , KY | $180.6M | 1.52% | 3.83% | 52.2% | 18.85% | 1.64% | 12.3% |
| PBK BANK, INC | STANFORD , KY | $172.0M | 1.80% | 4.98% | 58.5% | — | 0.42% | 1.8% |
| JACKSON COUNTY BANK | MC KEE , KY | $170.2M | 1.82% | 4.48% | 51.1% | — | 0.35% | 1.0% |
| CITIZENS BANK AND TRUST OF LEBANON, INC. | LEBANON , KY | $166.8M | 0.90% | 2.93% | 69.8% | — | 0.25% | 1.3% |
| BANK OF MAYSVILLE | MAYSVILLE , KY | $163.9M | 1.35% | 3.85% | 56.8% | 29.37% | 0.29% | 1.0% |
| FARMERS NATIONAL BANK OF LEBANON, THE | LEBANON , KY | $162.6M | 0.99% | 3.81% | 63.5% | — | 0.01% | 0.0% |
| SALYERSVILLE NATIONAL BANK, THE | SALYERSVILLE , KY | $161.2M | 1.49% | 3.85% | 49.4% | 24.84% | 0.00% | 1.5% |
| COMMONWEALTH COMMUNITY BANK, INC. | HARTFORD , KY | $157.7M | 0.31% | 2.30% | 87.0% | — | 0.04% | 0.4% |
| AUBURN BANKING COMPANY | AUBURN , KY | $154.8M | 1.63% | 4.04% | 60.8% | 11.56% | 0.12% | 3.5% |
| SACRAMENTO DEPOSIT BANK, THE | SACRAMENTO , KY | $149.4M | 2.03% | 4.24% | 52.8% | 14.79% | 0.73% | 7.2% |
| HYDEN CITIZENS BANK, INC | HYDEN , KY | $144.3M | 0.99% | 4.11% | 73.3% | 12.62% | 0.25% | 2.7% |
| PEOPLES BANK, THE | TAYLORSVILLE , KY | $142.9M | 1.84% | 4.60% | 61.2% | 17.82% | 1.19% | 9.3% |
| BANK OF CADIZ AND TRUST COMPANY | CADIZ , KY | $142.6M | 1.05% | 3.21% | 67.5% | 15.43% | 0.37% | 8.2% |
| INDEPENDENT CORRESPONDENT BANKERS' BANK, INC. | FRANKFORT , KY | $141.9M | 0.49% | 2.79% | 82.8% | 21.32% | 0.96% | 3.8% |
| PEOPLES BANK, THE | MARION , KY | $135.2M | 0.59% | 3.96% | 77.7% | — | 0.29% | 4.0% |
| BANK OF BUFFALO | BUFFALO , KY | $134.7M | 1.44% | 3.46% | 47.1% | — | 0.15% | 6.0% |
| FREDONIA VALLEY BANK | FREDONIA , KY | $120.4M | 0.86% | 3.69% | 74.5% | — | 0.57% | 7.6% |
| PEOPLES BANK MT WASHINGTON | MOUNT WASHINGTON , KY | $120.3M | 1.87% | 4.87% | 61.7% | 13.22% | 1.21% | 9.7% |
| BEDFORD LOAN & DEPOSIT BANK | BEDFORD , KY | $119.6M | 0.77% | 3.94% | 75.4% | 24.14% | 1.11% | 6.0% |
| OWINGSVILLE BANKING COMPANY | OWINGSVILLE , KY | $101.3M | 0.67% | 4.26% | 79.1% | — | 0.27% | 4.7% |
| BANK OF THE MOUNTAINS, INC. | WEST LIBERTY , KY | $100.3M | 0.40% | 4.81% | 90.2% | 15.09% | 0.55% | 3.8% |
| CITIZENS BANK OF CUMBERLAND COUNTY, INC. | BURKESVILLE , KY | $94.8M | 1.89% | 4.83% | 59.3% | — | 0.76% | 4.3% |
| FIRST FEDERAL SAVINGS AND LOAN ASSOCIATION | HAZARD , KY | $87.2M | 0.82% | 3.10% | 63.2% | — | 1.50% | 6.6% |
| FIRST NATIONAL BANK OF BROOKSVILLE, THE | BROOKSVILLE , KY | $74.3M | 1.04% | 4.24% | 76.7% | — | 0.22% | 3.1% |
| SECURITY BANK AND TRUST COMPANY | MAYSVILLE , KY | $71.6M | 1.91% | 3.70% | 50.3% | — | 0.09% | 0.2% |
| CLINTON BANK | CLINTON , KY | $71.5M | 0.65% | 4.39% | 70.7% | 22.63% | 1.27% | 11.4% |
| FARMERS & TRADERS BANK OF CAMPTON | CAMPTON , KY | $68.7M | 1.27% | 4.45% | 64.5% | 12.02% | 0.05% | 0.5% |
| FARMERS STATE BANK, INC | BOONEVILLE , KY | $68.6M | 1.14% | 4.26% | 67.4% | 17.54% | 0.88% | 5.3% |
| PINNACLE BANK, INC | VANCEBURG , KY | $58.0M | 0.31% | 4.15% | 75.0% | — | 2.81% | 15.6% |
| BLUE GRASS FEDERAL SAVINGS AND LOAN ASSOCIATION | PARIS , KY | $57.8M | 0.26% | 2.69% | 84.3% | 26.01% | 0.00% | 0.0% |
| CARROLLTON FEDERAL BANK | CARROLLTON , KY | $42.6M | 0.67% | 3.96% | 80.5% | — | 0.00% | 0.0% |
| FIRST FEDERAL SAVINGS AND LOAN ASSOCIATION | MOREHEAD , KY | $40.8M | 0.62% | 4.02% | 80.7% | 38.68% | 2.98% | 11.6% |
| CITIZENS FEDERAL SAVINGS AND LOAN ASSOCIATION OF COVINGTON | COVINGTON , KY | $40.6M | 0.20% | 2.37% | 99.2% | 58.69% | 0.08% | 0.2% |
| HOME SAVINGS BANK, FSB | LUDLOW , KY | $27.2M | -1.16% | 2.38% | 146.0% | — | 7.39% | 46.6% |
| HART COUNTY BANK AND TRUST COMPANY | MUNFORDVILLE , KY | $24.0M | 2.45% | 4.71% | 49.3% | 38.60% | 0.00% | 0.0% |
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Kentucky bank rankings
See Kentucky banks ranked by the metrics that matter — size, profitability, capital, asset quality, and funding.
Largest Kentucky banks by assets Largest by deposits Highest ROA (return on assets) Highest ROE (return on equity) Highest net interest margin Highest CET1 capital ratio Highest leverage ratio Lowest Texas Ratio (safest) Highest Texas Ratio (riskiest) Highest uninsured-deposit ratio Highest loan-to-deposit ratio Most efficient (lowest efficiency ratio)
Data sourced from FFIEC call reports — current as of Q1 2026. See /data-updates/ for the full refresh schedule.
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