State directory · KY

Kentucky Banks

Every FDIC-insured bank headquartered in Kentucky, with health grades, capital, and profitability from the quarterly FDIC Call Report.

Compiled from official source data by PlainBankData Editorial
120
FDIC banks
78/100
Avg health score
$83.7B
Total assets
3
Failures since 2000

Data updated July 2026

The state picture

Kentucky's 120 FDIC banks hold $83.7B in assets and average 78/100 on health - 86% earn an A or B grade.

120
FDIC-insured banks
86%
grade A or B (103 banks)
$9.5B
largest - Stock Yards Bank & Trust Company
3
failures since 2000

Figures from public FDIC Call Reports. A lower grade does not mean your money is at risk, deposits are FDIC-insured to $250,000 per depositor, per category, at every bank here.

For context: Kentucky's average health score of 78/100 is above the 77/100 national average across all FDIC-insured banks PlainBankData tracks.

Health grade distribution

A
61
51% of banks
B
42
35% of banks
C
14
12% of banks
D
1
1% of banks
F
2
2% of banks

Largest banks in Kentucky

Top 10 Kentucky banks by total assets
  1. 1
    Stock Yards Bank & Trust Company $9.5B

    Louisville, KY · Grade A

  2. 2
    Republic Bank & Trust Company $7.0B

    Louisville, KY · Grade A

  3. 3
    Community Trust Bank, Inc. $6.6B

    Pikeville, KY · Grade A

  4. 4
    Central Bank & Trust Co. $3.9B

    Lexington, KY · Grade B

  5. 5
    Independence Bank of Kentucky $3.8B

    Owensboro, KY · Grade B

  6. 6
    Traditional Bank, Inc. $2.5B

    Mount Sterling, KY · Grade B

  7. 7
    Heritage Bank, Inc. $2.1B

    Burlington, KY · Grade B

  8. 8
    South Central Bank, Inc. $2.1B

    Glasgow, KY · Grade A

  9. 9
    Planters Bank, Inc. $1.9B

    Hopkinsville, KY · Grade A

  10. 10
    Whitaker Bank $1.9B

    Lexington, KY · Grade A

Top 10 of 120 Kentucky banks · FDIC Call Report Q4 2025.

Kentucky banks by health grade

0 10 20 30 40 50 60 70 A B C D F 61 42 14 1 2

How Kentucky compares nationally

Kentucky ranks #15 of 55 states and territories by average bank health score - better than 74% of them.

States grouped by average health score

All 120 Kentucky banks · Page 1 of 2

Bank Assets Grade
Stock Yards Bank & Trust Company $9.5B A
Republic Bank & Trust Company $7.0B A
Community Trust Bank, Inc. $6.6B A
Central Bank & Trust Co. $3.9B B
Independence Bank of Kentucky $3.8B B
Traditional Bank, Inc. $2.5B B
Heritage Bank, Inc. $2.1B B
South Central Bank, Inc. $2.1B A
Planters Bank, Inc. $1.9B A
Whitaker Bank $1.9B A
Forcht Bank, National Association $1.7B C
The Cecilian Bank $1.6B A
Community Financial Services Bank $1.4B A
First Southern National Bank $1.3B A
The Monticello Banking Company $1.1B B
Edmonton State Bank $1.1B A
The Paducah Bank and Trust Company $1.0B A
The Farmers National Bank of Danville $990M A
American Bank & Trust Company, Inc. $876M A
Field & Main Bank $861M B
Wilson & Muir Bank & Trust Company $844M A
Cumberland Valley National Bank & Trust Company $815M C
Franklin Bank & Trust Company $801M A
Farmers Bank and Trust Company $760M A
FNB Bank, Inc. $750M B
The Citizens National Bank of Somerset $700M A
Citizens Bank of Kentucky, Inc. $689M A
First & Farmers National Bank, Inc. $676M A
Peoples Exchange Bank $615M B
First United Bank and Trust Company $594M A
First Kentucky Bank, Inc. $588M B
Hearthside Bank Corporation $571M B
West Point Bank $553M B
The Murray Bank $549M A
Peoples Bank of Kentucky, Inc. $542M A
United Community Bank of West Kentucky, Inc. $523M A
Magnolia Bank, Incorporated $515M C
River City Bank, Inc. $494M B
First Community Bank of the Heartland, Inc. $493M C
Eclipse Bank, Inc. $482M D
Springfield State Bank $477M A
The First National Bank of Russell Springs $465M A
United Cumberland Bank $454M A
Meade County Bank $448M A
The Lincoln National Bank of Hodgenville $443M A
The Casey County Bank, Inc. $439M A
Cumberland Security Bank, Inc. $427M A
Town & Country Bank and Trust Company $422M A
Morgantown Bank & Trust Company, Incorporated $422M B
Bank of Lexington, Inc. $401M A
Bank of the Bluegrass and Trust Company $393M B
Pbt Bancorp $379M B
Citizens Bank & Trust Company $376M B
First State Bank $367M A
The First National Bank of Grayson $363M A
United Southern Bank $352M A
Citizens Deposit Bank of Arlington, Inc. $348M A
1st Trust Bank, Inc. $332M C
Kentucky Farmers Bank Corporation $331M A
The Farmers Bank of Milton $313M B
Hometown Bank of Corbin, Inc. $300M B
Citizens Guaranty Bank $300M C
First Federal Savings Bank of Kentucky $289M C
Bank of Edmonson County $283M A
United Citizens Bank of Southern Kentucky $270M A
The Farmers Bank $269M A
Bank of Hindman $268M B
Bank of Jamestown $266M A
Citizens Bank $252M B
The Commercial Bank of Grayson $245M A
Taylor County Bank $243M A
FIRST NATIONAL BANK OF KENTUCKY $242M B
Farmers Bank and Trust Company $241M B
The Citizens Bank $232M A
Bank of Columbia $230M B
The First National Bank of Manchester $229M B
Lewisburg Banking Company $223M B
The Citizens Bank $221M A
United Citizens Bank & Trust Company $220M C
Commercial Bank $217M A
Citizens Bank & Trust Co. of Jackson $213M B
First & Peoples Bank and Trust Company $206M F
Century Bank of Kentucky, Inc. $202M B
Elkton Bank & Trust Company $193M A
Peoples Bank $186M C
Jackson County Bank $175M A
Bank of Clarkson $174M A
PBK BANK, INC. $171M A
Citizens Bank and Trust of Lebanon, Inc. $168M B
The Salyersville National Bank $161M A
Bank of Maysville $160M A
Auburn Banking Company $153M A
Commonwealth Community Bank, Inc. $152M C
The Farmers National Bank of Lebanon $149M B
The Sacramento Deposit Bank $147M A
Hyden Citizens Bank $146M B
Independent Correspondent Bankers' Bank, Inc. $145M B
Bank of Cadiz and Trust Company $143M B
The Peoples Bank $137M A
The Peoples Bank $134M B

How to read the Kentucky bank directory

This page lists every FDIC-insured bank with a primary regulatory address in Kentucky. Both state-chartered and nationally-chartered banks appear when the FDIC institution directory places their headquarters here. Branch locations, ATM networks, and credit unions are not in scope, this is a headquarters-anchored view. The 120 institutions shown reflect the most recent quarterly FDIC release.

Health grade interpretation

Each bank's letter grade (A–F) is computed from four FDIC-reported metrics: Tier 1 capital ratio, return on assets, the Texas Ratio (non-performing assets ÷ tangible capital), and the efficiency ratio. Across Kentucky, 103 institutions (86%) sit in the A or B band, while 3 (3%) fall in the D or F band. The C cluster, the broad middle, typically captures roughly half of any state's banks and is not a warning signal on its own.

When failures matter

Since 2000, 3 banks headquartered in Kentucky have failed. Every depositor was made whole up to the standard FDIC ceiling ($250,000 per depositor, per ownership category, per institution). Failures cluster around macro events (the 2008–2010 wave, the 2023 regional-bank stress) rather than steady attrition, so a clean recent record reflects the absence of a triggering shock more than guaranteed safety. The "Under Stress" ranking is more forward-looking, because it scores current capital and credit-loss capacity.

Sources, refresh cadence, and corrections

Every figure derives from the FDIC Quarterly Banking Profile and the FDIC Institution Directory, both public-domain. We re-pull on the FDIC's schedule (quarterly release plus monthly directory deltas for mergers and closures). Asset and capital figures are reported as of the most recent quarter-end and lag the calendar by ~90 days, the FDIC's reporting lag, not ours.

Using the Kentucky directory

Three ways to put this state view to work.

Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings.

Data compiled from the Federal Deposit Insurance Corporation (FDIC) (FDIC Quarterly Banking Profile, Institution Directory, Failed Bank List). See our methodology for the full pipeline and source vintage.

Retrieved and compiled by PlainBankData Editorial from FDIC Call Report (FFIEC 031/041) filings, Q4 2025.

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Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. This page draws directly on FDIC federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.

Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.