Kentucky bank rankings, Q2 2026
120 FDIC-insured banks are headquartered in Kentucky, holding $84.93B in combined assets as of Q2 2026. The median bank has $303M in assets, earns a 1.26% return on assets, and runs a 61.23% efficiency ratio.
Highest return on assets among community banks
- Cumberland Security Bank, Inc. Somerset 4.50%
- Wilson & Muir Bank & Trust Company Bardstown 2.61%
- Edmonton State Bank Glasgow 2.44%
- Bank of Columbia Columbia 2.27%
- The Paducah Bank and Trust Company Paducah 2.25%
- The Sacramento Deposit Bank Sacramento 2.24%
- Century Bank of Kentucky, Inc. Lawrenceburg 2.17%
- The Citizens Bank Morehead 2.15%
- The Peoples Bank Taylorsville 2.14%
- Kentucky Farmers Bank Corporation Catlettsburg 2.12%
Most efficient community banks (lowest efficiency ratio)
- Cumberland Security Bank, Inc. Somerset 32.11%
- First State Bank Irvington 45.90%
- Edmonton State Bank Glasgow 45.91%
- The Murray Bank Murray 46.07%
- Wilson & Muir Bank & Trust Company Bardstown 46.22%
- The First National Bank of Russell Springs Russell Springs 46.68%
- Bank of Buffalo Buffalo 47.18%
- United Citizens Bank of Southern Kentucky Columbia 47.66%
- The Salyersville National Bank Salyersville 48.23%
- The Cecilian Bank Cecilia 48.73%
Top-ten lists include FDIC-designated community banks with at least $100M in assets; trust companies and specialty subsidiaries appear in the full table only.
Every Kentucky bank
| Bank | Assets | ROA | Efficiency | NIM |
|---|---|---|---|---|
| Stock Yards Bank & Trust Company Louisville | $10.36B | 1.64% | 51.54% | 3.75% |
| Republic Bank & Trust Company Louisville | $7.05B | 2.13% | 48.70% | 5.24% |
| Community Trust Bank, Inc. Pikeville | $6.95B | 1.64% | 46.66% | 3.83% |
| Central Bank & Trust Co. Lexington | $4.01B | 1.27% | 69.67% | 4.05% |
| Independence Bank of Kentucky Owensboro | $3.83B | 1.12% | 64.08% | 2.59% |
| Traditional Bank, Inc. Mount Sterling | $2.44B | 1.18% | 53.21% | 3.40% |
| South Central Bank, Inc. Glasgow | $2.26B | 1.41% | 53.06% | 3.81% |
| Heritage Bank, Inc. Burlington | $1.99B | 1.03% | 62.67% | 3.54% |
| Planters Bank, Inc. Hopkinsville | $1.96B | 1.28% | 51.14% | 3.24% |
| Whitaker Bank Lexington | $1.93B | 1.42% | 60.85% | 4.30% |
| Forcht Bank, National Association Lexington | $1.65B | 0.74% | 74.77% | 3.26% |
| The Cecilian Bank Cecilia | $1.59B | 1.67% | 48.73% | 3.92% |
| Community Financial Services Bank Benton | $1.37B | 1.04% | 67.36% | 3.61% |
| First Southern National Bank Lancaster | $1.28B | 0.82% | 62.36% | 4.95% |
| Edmonton State Bank Glasgow | $1.15B | 2.44% | 45.91% | 4.80% |
| The Monticello Banking Company Monticello | $1.07B | 0.97% | 69.80% | 3.68% |
| The Paducah Bank and Trust Company Paducah | $1.07B | 2.25% | 54.60% | 4.23% |
| The Farmers National Bank of Danville Danville | $990M | 1.33% | 63.53% | 4.47% |
| American Bank & Trust Company, Inc. Bowling Green | $924M | 1.04% | 56.02% | 3.29% |
| Wilson & Muir Bank & Trust Company Bardstown | $818M | 2.61% | 46.22% | 4.49% |
| Cumberland Valley National Bank & Trust Company London | $816M | 1.15% | 65.74% | 3.96% |
| Franklin Bank & Trust Company Franklin | $804M | 1.57% | 51.46% | 4.03% |
| Farmers Bank and Trust Company Marion | $794M | 1.86% | 56.53% | 4.12% |
| FNB Bank, Inc. Mayfield | $770M | 1.23% | 56.70% | 3.52% |
| First & Farmers National Bank, Inc. Somerset | $714M | 1.50% | 50.78% | 4.21% |
| The Citizens National Bank of Somerset Somerset | $701M | 1.73% | 55.65% | 3.41% |
| Citizens Bank of Kentucky, Inc. Paintsville | $670M | 1.04% | 66.65% | 3.57% |
| Peoples Exchange Bank Winchester | $610M | 1.26% | 62.01% | 4.20% |
| Hearthside Bank Corporation Middlesboro | $609M | 0.85% | 72.20% | 3.92% |
| First United Bank and Trust Company Madisonville | $591M | 1.45% | 65.79% | 3.94% |
| First Kentucky Bank, Inc. Mayfield | $586M | 1.26% | 67.40% | 3.55% |
| Peoples Bank of Kentucky, Inc. Flemingsburg | $565M | 0.49% | 56.37% | 4.27% |
| West Point Bank Radcliff | $561M | 1.08% | 54.99% | 3.12% |
| Magnolia Bank, Incorporated Elizabethtown | $546M | 0.93% | 87.88% | 3.68% |
| The Murray Bank Murray | $534M | 1.82% | 46.07% | 3.73% |
| United Community Bank of West Kentucky, Inc. Morganfield | $525M | 1.53% | 49.81% | 3.45% |
| The Casey County Bank, Inc. Liberty | $508M | 1.29% | 50.46% | 3.51% |
| First Community Bank of the Heartland, Inc. Clinton | $506M | 1.25% | 70.22% | 4.02% |
| River City Bank, Inc. Louisville | $495M | 1.02% | 64.49% | 3.46% |
| Springfield State Bank Springfield | $487M | 1.01% | 49.93% | 3.03% |
| Eclipse Bank, Inc. Louisville | $486M | 0.58% | 75.41% | 2.73% |
| The First National Bank of Russell Springs Russell Springs | $475M | 1.45% | 46.68% | 3.56% |
| Pbt Bancorp Hazard | $473M | -0.01% | 90.25% | 4.24% |
| United Cumberland Bank Whitley City | $460M | 1.93% | 58.25% | 4.31% |
| Meade County Bank Brandenburg | $458M | 1.15% | 57.16% | 3.48% |
| The Lincoln National Bank of Hodgenville Hodgenville | $454M | 1.41% | 60.17% | 4.61% |
| Morgantown Bank & Trust Company, Incorporated Morgantown | $440M | 0.82% | 71.07% | 3.67% |
| Town & Country Bank and Trust Company Bardstown | $434M | 1.47% | 60.58% | 4.59% |
| Cumberland Security Bank, Inc. Somerset | $420M | 4.50% | 32.11% | 6.33% |
| Bank of Lexington, Inc. Lexington | $411M | 1.21% | 58.55% | 3.87% |
| Bank of the Bluegrass and Trust Company Lexington | $407M | 1.35% | 61.90% | 3.72% |
| First State Bank Irvington | $402M | 1.72% | 45.90% | 4.08% |
| Citizens Bank & Trust Company Campbellsville | $383M | 1.24% | 54.50% | 3.13% |
| The First National Bank of Grayson Grayson | $372M | 1.84% | 52.63% | 4.76% |
| United Southern Bank Hopkinsville | $354M | 1.46% | 56.35% | 4.52% |
| 1st Trust Bank, Inc. Hazard | $352M | 0.75% | 68.20% | 3.43% |
| Citizens Deposit Bank of Arlington, Inc. Arlington | $348M | 1.60% | 56.08% | 3.63% |
| Kentucky Farmers Bank Corporation Catlettsburg | $328M | 2.12% | 58.19% | 4.30% |
| The Farmers Bank of Milton Milton | $305M | 0.66% | 71.92% | 3.09% |
| Citizens Guaranty Bank Richmond | $304M | 1.51% | 70.06% | 5.43% |
| Hometown Bank of Corbin, Inc. Corbin | $302M | 0.78% | 77.53% | 3.76% |
| United Citizens Bank of Southern Kentucky Columbia | $286M | 1.96% | 47.66% | 4.90% |
| Bank of Edmonson County Brownsville | $283M | 1.61% | 56.35% | 3.72% |
| The Farmers Bank Nicholasville | $283M | 1.03% | 59.55% | 3.34% |
| First Federal Savings Bank of Kentucky Frankfort | $283M | 0.70% | 68.96% | 3.37% |
| Bank of Jamestown Jamestown | $264M | 1.24% | 55.32% | 3.59% |
| Bank of Hindman Hindman | $260M | 0.48% | 73.40% | 2.08% |
| FIRST NATIONAL BANK OF KENTUCKY Carrollton | $258M | 1.72% | 61.61% | 4.36% |
| Citizens Bank Mount Vernon | $250M | 1.57% | 64.73% | 4.16% |
| Farmers Bank and Trust Company Princeton | $248M | 1.63% | 58.31% | 3.93% |
| Lewisburg Banking Company Lewisburg | $246M | 1.85% | 56.33% | 4.10% |
| Taylor County Bank Campbellsville | $244M | 1.57% | 54.95% | 4.28% |
| The Commercial Bank of Grayson Grayson | $242M | 0.98% | 71.82% | 4.45% |
| Bank of Columbia Columbia | $231M | 2.27% | 53.19% | 4.63% |
| The First National Bank of Manchester Manchester | $230M | 0.99% | 75.25% | 4.64% |
| The Citizens Bank Morehead | $229M | 2.15% | 59.30% | 4.84% |
| The Citizens Bank Hickman | $220M | 1.73% | 57.33% | 3.89% |
| United Citizens Bank & Trust Company Campbellsburg | $219M | 1.05% | 69.91% | 4.57% |
| Citizens Bank & Trust Co. of Jackson Jackson | $217M | 1.02% | 77.76% | 4.44% |
| Commercial Bank West Liberty | $216M | 1.29% | 64.86% | 3.98% |
| Century Bank of Kentucky, Inc. Lawrenceburg | $208M | 2.17% | 49.36% | 4.03% |
| First & Peoples Bank and Trust Company Russell | $207M | -0.48% | 109.34% | 3.07% |
| Elkton Bank & Trust Company Elkton | $199M | 1.01% | 67.17% | 3.44% |
| Peoples Bank Lebanon | $194M | 1.06% | 63.36% | 4.13% |
| Bank of Clarkson Clarkson | $178M | 1.46% | 56.43% | 4.04% |
| Jackson County Bank Mc Kee | $176M | 1.87% | 50.01% | 4.59% |
| PBK BANK, INC. Stanford | $176M | 1.82% | 57.87% | 5.10% |
| Citizens Bank and Trust of Lebanon, Inc. Lebanon | $173M | 0.94% | 68.28% | 2.99% |
| Auburn Banking Company Auburn | $164M | 1.65% | 59.47% | 4.17% |
| Bank of Maysville Maysville | $164M | 1.45% | 56.26% | 3.85% |
| The Salyersville National Bank Salyersville | $164M | 1.64% | 48.23% | 4.18% |
| The Farmers National Bank of Lebanon Lebanon | $163M | 1.09% | 62.99% | 3.85% |
| Commonwealth Community Bank, Inc. Hartford | $158M | 0.24% | 91.01% | 2.28% |
| Independent Correspondent Bankers' Bank, Inc. Frankfort | $151M | 0.73% | 81.97% | 3.37% |
| The Sacramento Deposit Bank Sacramento | $150M | 2.24% | 50.25% | 4.38% |
| Hyden Citizens Bank Hyden | $149M | 1.57% | 66.50% | 4.22% |
| The Peoples Bank Taylorsville | $145M | 2.14% | 58.62% | 5.00% |
| Bank of Cadiz and Trust Company Cadiz | $143M | 0.99% | 71.52% | 3.51% |
| Bank of Buffalo Buffalo | $141M | 1.65% | 47.18% | 3.71% |
| The Peoples Bank Marion | $135M | 0.87% | 73.18% | 4.14% |
| Bedford Loan & Deposit Bank Bedford | $122M | 0.87% | 73.14% | 4.09% |
| Peoples Bank, Mt. Washington Mount Washington | $120M | 1.76% | 62.52% | 5.13% |
| Fredonia Valley Bank Fredonia | $120M | 0.93% | 70.34% | 3.92% |
| Owingsville Banking Company Owingsville | $104M | 0.60% | 80.32% | 4.25% |
| Bank of the Mountains, Inc. West Liberty | $100M | 0.77% | 79.77% | 5.25% |
| Citizens Bank of Cumberland County, Inc. Burkesville | $95M | 2.06% | 58.70% | 5.02% |
| First Federal Savings and Loan Association Hazard | $81M | 0.95% | 59.44% | 3.30% |
| The First National Bank of Brooksville Brooksville | $74M | 0.72% | 75.45% | 4.34% |
| Security Bank and Trust Co. Maysville | $72M | 2.00% | 48.27% | 3.78% |
| Clinton Bank Clinton | $70M | 0.73% | 70.80% | 4.37% |
| Farmers State Bank Booneville | $69M | 1.13% | 72.06% | 4.22% |
| Farmers & Traders Bank of Campton Campton | $67M | 1.29% | 67.26% | 4.45% |
| Blue Grass Federal Savings and Loan Association Paris | $59M | 0.29% | 82.90% | 2.83% |
| Pinnacle Bank, Inc. Pikeville | $58M | 0.43% | 75.62% | 4.26% |
| Cornerstone Community Bank Owensboro | $44M | -0.34% | 171.43% | 0.24% |
| Carrollton Federal Bank Carrollton | $44M | 0.73% | 77.43% | 3.74% |
| Citizens Federal Savings and Loan Association Covington | $42M | 0.24% | 94.28% | 2.45% |
| First Federal Savings and Loan Association Morehead | $41M | 0.54% | 82.59% | 4.12% |
| Home Savings Bank, FSB Ludlow | $26M | -1.29% | 147.56% | 2.62% |
| Hart County Bank and Trust Company Munfordville | $24M | 2.51% | 47.64% | 5.00% |
Method
Banks are FDIC-insured institutions headquartered in Kentucky with a call report for the quarter ending 06/30/2026. Return on assets and net interest margin are annualized year to date; the efficiency ratio is noninterest expense over revenue, so lower is better. Credit unions are NCUA-insured and not included. Click any bank for its comparison with same-size peers, or look up a bank in another state.