Financial strength ranking · Kentucky · Call Report data as of Q2 2026

Best Banks in Kentucky by Financial Strength

Cumberland Security Bank, Inc. ranks first among the 104 banks headquartered in Kentucky we score, with a financial strength score of 86.2 out of 100 as of June 30, 2026. The score averages each bank's national percentile on four Call Report ratios: return on assets, efficiency ratio, Tier 1 leverage ratio and nonperforming assets ratio.

Ranked first: Cumberland Security Bank, Inc.
Its score: 86.2 of 100
Banks scored in Kentucky: 104
Its return on assets: 5.12%

The 100 highest scoring banks in Kentucky

Select a column heading to sort. Score is 0 to 100, where 100 would be the best US bank on all four ratios; ratios for Q2 2026.

Banks headquartered in Kentucky ranked by financial strength score, with total assets, return on assets, efficiency ratio, Tier 1 leverage ratio and nonperforming assets ratio.

1	Cumberland Security Bank, Inc. Somerset	86.2	5.12%	29.46%	14.14%	0.15%	$420.1M
2	Jackson County Bank McKee	78.9	1.91%	48.79%	28.83%	0.29%	$175.9M
3	The Salyersville National Bank Salyersville	78.9	1.63%	46.88%	14.24%	0.07%	$163.5M
4	Kentucky Farmers Bank Corporation Ashland	77.8	2.21%	52.76%	15.70%	0.22%	$328.5M
5	Century Bank of Kentucky, Inc. Lawrenceburg	76.2	2.23%	49.20%	10.41%	0.00%	$208.1M
6	Bank of Maysville Maysville	76.2	1.50%	52.85%	16.94%	0.06%	$164.0M
7	Edmonton State Bank Glasgow	73.5	2.43%	46.27%	11.47%	0.26%	$1.15B
8	United Citizens Bank of Southern Kentucky, Inc. Columbia	71.2	2.02%	46.86%	12.07%	0.37%	$286.2M
9	PBK Bank, Inc Stanford	70.8	1.82%	57.05%	15.17%	0.26%	$175.6M
10	The Citizens Bank Hickman	70.5	1.96%	53.81%	12.67%	0.26%	$220.4M
11	Republic Bank & Trust Company Louisville	70.4	1.85%	52.34%	14.82%	0.45%	$7.05B
12	Bank of Jamestown Jamestown	69.9	1.29%	53.91%	12.96%	0.02%	$263.8M
13	Community Trust Bank, Inc. Pikeville	69.7	1.68%	46.23%	13.43%	0.48%	$6.95B
14	United Community Bank of West Kentucky, Inc. Morganfield	69.6	1.56%	47.77%	11.01%	0.07%	$524.9M
15	The First National Bank of Russell Springs Russell Springs	69.5	1.64%	43.69%	10.52%	0.08%	$475.2M
16	Wilson & Muir Bank & Trust Company Bardstown	66.8	2.62%	44.78%	9.43%	0.18%	$818.4M
17	The Cecilian Bank Cecilia	66.5	1.72%	47.19%	10.99%	0.27%	$1.59B
18	The Paducah Bank and Trust Company Paducah	66.5	2.19%	55.64%	10.63%	0.15%	$1.07B
19	United Southern Bank Hopkinsville	64.4	1.53%	54.88%	12.66%	0.30%	$353.7M
20	Citizens Deposit Bank of Arlington, Inc. Arlington	64.1	1.70%	53.24%	13.66%	0.67%	$348.2M
21	Stock Yards Bank & Trust Company Louisville	63.7	1.71%	51.71%	10.74%	0.24%	$10.36B
22	Town & Country Bank and Trust Company Bardstown	63.6	1.65%	58.91%	12.75%	0.28%	$433.7M
23	The Lincoln National Bank of Hodgenville Hodgenville	63.4	1.47%	58.00%	14.89%	0.37%	$454.4M
24	Whitaker Bank, Inc Lexington	63.1	1.38%	59.47%	12.89%	0.14%	$1.93B
25	The First National Bank of Grayson Grayson	62.8	1.75%	54.20%	12.98%	0.68%	$371.9M
26	Citizens Bank & Trust Company Campbellsville	62.6	1.26%	52.71%	13.12%	0.32%	$383.4M
27	Farmers Bank and Trust Company Princeton	61.4	1.79%	55.26%	9.46%	0.03%	$247.8M
28	Franklin Bank & Trust Company Franklin	60.9	1.54%	51.20%	13.48%	0.93%	$803.6M
29	Bank of Columbia Columbia	60.9	2.21%	54.08%	9.31%	0.15%	$231.1M
30	Farmers Bank Nicholasville	60.8	1.09%	57.24%	11.00%	0.00%	$282.7M
31	First & Farmers National Bank, Inc. Somerset	60.5	1.53%	49.21%	11.51%	0.54%	$714.2M
32	Planters Bank, Inc. Hopkinsville	59.3	1.30%	50.63%	12.45%	0.56%	$1.96B
33	Springfield State Bank Springfield	59.1	0.92%	49.12%	14.04%	0.39%	$486.9M
34	Bank of the Bluegrass and Trust Co. Lexington	58.5	1.38%	61.87%	10.80%	0.02%	$407.0M
35	The Peoples Bank Taylorsville	58.5	2.27%	55.62%	10.82%	0.70%	$145.0M
36	The Sacramento Deposit Bank Sacramento	58.0	2.34%	47.19%	9.46%	0.59%	$149.8M
37	Bank of Buffalo Buffalo	58.0	1.84%	46.74%	9.78%	0.51%	$140.5M
38	Elkton Bank & Trust Company Elkton	57.6	1.11%	63.96%	12.58%	0.05%	$199.1M
39	The Farmers National Bank of Lebanon Lebanon	57.6	1.14%	60.88%	10.72%	0.00%	$163.0M
40	The Citizens National Bank of Somerset Somerset	57.4	1.73%	54.23%	9.02%	0.10%	$700.9M
41	First State Bank Irvington	57.4	1.60%	47.39%	11.23%	0.96%	$402.0M
42	The Citizens Bank Morehead	57.0	2.08%	59.95%	8.72%	0.04%	$228.6M
43	Bank of Lexington, Inc. Lexington	56.2	1.06%	62.66%	11.50%	0.01%	$410.8M
44	Farmers Bank & Trust Company Marion	55.8	1.86%	56.32%	9.24%	0.19%	$794.0M
45	South Central Bank, Inc. Glasgow	55.4	1.45%	51.90%	9.88%	0.26%	$2.26B
46	Traditional Bank, Inc. Mount Sterling	55.1	1.20%	52.88%	10.56%	0.24%	$2.44B
47	River City Bank, Inc. Louisville	55.1	1.22%	58.53%	11.72%	0.27%	$494.9M
48	Lewisburg Banking Company Lewisburg	54.6	1.98%	54.29%	9.05%	0.32%	$246.1M
49	Central Bank & Trust Company Lexington	54.4	1.30%	68.68%	12.42%	0.16%	$4.01B
50	United Cumberland Bank Whitley City	54.1	1.92%	58.47%	11.47%	1.05%	$460.2M
51	Bank of Edmonson County Brownsville	53.1	1.75%	51.30%	10.57%	1.20%	$283.4M
52	Taylor County Bank Campbellsville	52.6	1.21%	54.29%	12.86%	0.94%	$243.8M
53	The Casey County Bank, Inc. Liberty	51.8	1.25%	51.96%	8.30%	0.05%	$508.4M
54	Citizens Bank and Trust of Lebanon, Inc. Lebanon	51.5	0.97%	64.03%	11.33%	0.06%	$173.0M
55	Hyden Citizens Bank, Inc Hyden	51.5	2.04%	60.33%	9.18%	0.30%	$148.6M
56	Citizens Bank of Kentucky, Inc Paintsville	50.5	1.10%	63.58%	13.51%	0.44%	$669.9M
57	The Murray Bank Murray	50.3	1.65%	45.88%	9.96%	1.50%	$534.1M
58	First National Bank of Kentucky Carrollton	49.5	1.98%	57.00%	9.16%	0.54%	$258.0M
59	Peoples Exchange Bank, Inc. Winchester	49.4	1.29%	61.41%	9.97%	0.15%	$609.8M
60	Peoples Bank of Kentucky, Inc. Flemingsburg	48.3	1.89%	59.58%	11.13%	2.25%	$564.9M
61	Bank of Clarkson Clarkson	47.6	1.30%	59.57%	12.45%	1.26%	$178.2M
62	First United Bank and Trust Company, Inc. Madisonville	47.1	1.49%	64.85%	9.53%	0.17%	$591.4M
63	Cumberland Valley National Bank & Trust Company East Bernstadt	46.1	1.30%	62.83%	9.49%	0.15%	$816.1M
64	Independence Bank of Kentucky Owensboro	45.9	1.16%	62.26%	9.35%	0.07%	$3.83B
65	Peoples Bank Mt Washington Mount Washington	44.8	1.55%	62.73%	10.59%	0.86%	$120.0M
66	Auburn Banking Company Auburn	44.2	1.69%	57.83%	8.26%	0.49%	$164.3M
67	The Peoples Bank Marion	43.1	1.15%	68.93%	11.55%	0.46%	$135.3M
68	Monticello Banking Company Monticello	43.0	0.97%	68.49%	10.17%	0.08%	$1.07B
69	Community Financial Services Bank Benton	42.8	1.09%	64.07%	10.33%	0.30%	$1.37B
70	First Kentucky Bank, Inc. Mayfield	42.7	1.25%	65.30%	9.35%	0.16%	$585.6M
71	Commonwealth Community Bank, Inc. Hartford	42.3	0.19%	92.57%	14.71%	0.08%	$157.7M
72	The Farmers National Bank of Danville Danville	41.3	1.58%	63.87%	10.58%	1.44%	$989.8M
73	Bedford Loan & Deposit Bank Bedford	40.4	0.95%	70.05%	14.61%	0.97%	$121.8M
74	1st Trust Bank, Inc. Hazard	39.6	0.88%	64.29%	9.65%	0.14%	$351.7M
75	Fredonia Valley Bank Fredonia	38.7	0.98%	65.94%	11.49%	0.73%	$119.8M
76	American Bank & Trust Company Inc. Bowling Green	38.3	1.07%	55.12%	9.88%	1.00%	$924.4M
77	Independent Correspondent Bankers' Bank, Inc. Frankfort	37.3	0.82%	80.27%	13.21%	0.54%	$151.4M
78	Heritage Bank, Inc. Burlington	36.8	1.08%	62.83%	9.01%	0.30%	$1.99B
79	Hearthside Bank Corporation Middlesboro	36.6	0.90%	69.74%	10.07%	0.25%	$608.9M
80	FNB Bank, Inc. Mayfield	36.4	1.14%	57.81%	8.48%	0.51%	$770.0M
81	Commercial Bank West Liberty	36.4	1.25%	65.39%	10.05%	0.79%	$216.1M
82	The Commercial Bank of Grayson Grayson	36.3	1.27%	65.62%	11.01%	1.97%	$242.0M
83	Meade County Bank, Inc. Brandenburg	36.1	0.92%	62.66%	8.84%	0.21%	$458.4M
84	The Farmers Bank of Milton Milton	35.7	0.67%	68.63%	12.57%	0.85%	$305.1M
85	First Federal Savings Bank of Kentucky Frankfort	35.3	0.73%	65.83%	10.48%	0.42%	$282.6M
86	Bank of Cadiz and Trust Company Cadiz	35.3	0.80%	75.31%	9.07%	0.00%	$142.9M
87	Forcht Bank, N.A. Lexington	33.3	0.85%	71.58%	8.16%	0.04%	$1.65B
88	Citizens Bank Mount Vernon	32.0	1.55%	64.42%	8.09%	1.12%	$250.4M
89	Bank of the Mountains, Inc. West Liberty	31.6	1.13%	70.57%	9.23%	0.43%	$100.0M
90	West Point Bank Radcliff	30.4	0.94%	58.53%	8.55%	0.74%	$560.6M
91	United Citizens Bank & Trust Company Campbellsburg	30.2	1.16%	67.17%	10.02%	1.45%	$219.3M
92	Owingsville Banking Company Owingsville	29.6	0.56%	80.89%	10.02%	0.21%	$104.1M
93	Morgantown Bank & Trust Company, Incorporated Morgantown	29.1	0.86%	69.86%	8.17%	0.23%	$439.7M
94	Eclipse Bank, Inc. Louisville	28.5	0.66%	71.88%	9.47%	0.31%	$485.7M
95	First Community Bank of the Heartland, Inc. Clinton	28.4	1.30%	67.43%	8.12%	0.86%	$506.0M
96	Peoples Bank Lebanon	27.1	1.09%	61.71%	9.24%	2.15%	$193.7M
97	Bank of Hindman Hindman	25.1	0.50%	69.54%	9.19%	0.42%	$259.7M
98	Hometown Bank of Corbin Inc. Corbin	25.0	0.80%	76.17%	8.78%	0.33%	$302.3M
99	The First National Bank of Manchester Manchester	24.0	0.98%	75.34%	9.86%	1.11%	$230.1M
100	Citizens Guaranty Bank Richmond	21.8	1.28%	72.85%	8.65%	2.24%	$303.6M

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How the score works

Each bank gets a percentile on each of four ratios, measured against every US bank that filed a Call Report for the quarter and turned so that higher is always better: 100 is the best bank in the country on that ratio and 0 the weakest. The score is the plain average of the four percentiles; 3,583 banks nationwide are scored.

Return on assets: higher is better.
Efficiency ratio: lower is better.
Tier 1 leverage ratio: higher is better.
Nonperforming assets ratio: lower is better.

A bank is scored when it is ranked on all four of those leaderboards: at least $100 million in total assets, open, a lending institution, and a quarter not driven by gains or losses on equity securities. Banks are listed by headquarters state.

Frequently asked questions

What is the best bank in Kentucky?

By our financial strength score, Cumberland Security Bank, Inc. of Somerset ranks first among the 104 scored banks headquartered in Kentucky, scoring 86.2 out of 100 for Q2 2026: return on assets of 5.12%, an efficiency ratio of 29.46%, a Tier 1 leverage ratio of 14.14% and nonperforming assets of 0.15% of total assets. Jackson County Bank and The Salyersville National Bank rank second and third.

How are the best banks in Kentucky ranked?

Each bank is placed on four Call Report ratios against every US bank that filed for the quarter: return on assets and the Tier 1 leverage ratio, where higher is better, and the efficiency ratio and the nonperforming assets ratio, where lower is better. Each placement is a percentile from 0 to 100, and the score is their average. Only banks with at least $100 million in assets that are ranked on all four ratios are scored, 3,583 banks nationwide.

Does this ranking say which bank I should open an account with?

No. The score reads only what a bank files with its regulators: earnings, cost control, capital and problem assets. It does not measure deposit rates, fees, branches, apps or service, which matter most when choosing a bank for an account, and it is not a safety rating. FDIC insurance protects deposits at insured banks up to the legal limit regardless of a bank's score.

More in Kentucky

Largest banks in Kentucky Bank deposits in Kentucky Largest credit unions in Kentucky Return on assets ranking Efficiency ratio ranking Tier 1 leverage ratio ranking Nonperforming assets ratio ranking All rankings

Source: FFIEC Call Reports for Q2 2026, refreshed as each quarter's filings are processed. A ranking is not a safety rating: FDIC insurance covers deposits at insured banks up to the legal limit, whatever the score. Check your coverage with the FDIC insurance calculator.