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Liquidity & Balance Sheet · Kentucky

US Banks with Highest Share of Uninsured Deposits in Kentucky

Ranked among banks headquartered in Kentucky. Re-ranked 1-18 within the state from the same national ranking population.

#1 Share of Uninsured Deposits: INDEPENDENCE BANK OF KENTUCKY — 42.20% . Uninsured deposits — those above the $250K FDIC insurance threshold — have economic incentive to flee at the first sign of trouble. The risk Silicon Valley Bank's failure brought to national attention.

Ranked: 18 banks with reported data Showing: Top 18 Source: FFIEC call reports (Q1 2026) What is this metric? See the US Banks with … glossary entry
# Bank HQ US Banks with … Total Assets
1 Independence Bank of Kentucky Owensboro , KY 42.20% $3.79B
2 Stock Yards Bank & Trust Company Louisville , KY 41.16% $9.46B
3 Republic Bank & Trust Company Louisville , KY 40.55% $7.25B
4 Planters Bank, INC. Hopkinsville , KY 39.49% $1.93B
5 Central Bank & Trust Company Lexington , KY 34.91% $3.99B
6 Heritage Bank, INC. Erlanger , KY 32.86% $2.00B
7 First Southern National Bank Lancaster , KY 30.06% $1.28B
8 Monticello Banking Company Monticello , KY 29.85% $1.09B
9 Community Trust Bank, INC. Pikeville , KY 29.00% $6.70B
10 Traditional Bank, INC. Mount Sterling , KY 28.90% $2.41B
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11 Cecilian Bank, the Cecilia , KY 27.30% $1.57B
12 Whitaker Bank, Inc Lexington , KY 26.93% $1.93B
13 Paducah Bank and Trust Company, the Paducah , KY 24.77% $1.02B
14 Farmers National Bank of Danville, the Danville , KY 21.40% $983.4M
15 South Central Bank, INC. Glasgow , KY 21.12% $2.17B
16 Community Financial Services Bank Benton , KY 20.39% $1.37B
17 Forcht Bank, N.A. Lexington , KY 17.72% $1.65B
18 Edmonton State Bank Glasgow , KY 15.85% $1.17B

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All data sourced from the most recent FFIEC call report filings, refreshed each quarter as new filings are processed. This leaderboard excludes banks with total assets under $100,000K to filter out anomalous micro-bank ratios. See /data-updates/ for the current data freshness window.

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