There are 120 FDIC-insured banks headquartered in Kentucky, holding $84.93B in combined assets and $71.26B in deposits, alongside 54 NCUA-insured credit unions. Every figure below comes from the most recent quarterly call report each institution filed with its regulator. Banks are ranked by total assets, which is the standard measure of institution size and the basis regulators use for peer grouping and for determining which capital rules apply.
Ranked by total assets. Branch counts are domestic offices. Click any institution for eight quarters of financial history, peer benchmarking against similarly sized banks, deposit market share by county, and leadership contacts.
| # | Bank | City | Assets | Deposits | Branches |
|---|---|---|---|---|---|
| 1 | Stock Yards Bank & Trust Company | Louisville | $10.36B | $8.49B | 85 |
| 2 | Republic Bank & Trust Company | Louisville | $7.05B | $5.63B | 48 |
| 3 | Community Trust Bank, Inc. | Pikeville | $6.95B | $5.67B | 78 |
| 4 | Central Bank & Trust Co. | Lexington | $4.01B | $3.12B | 29 |
| 5 | Independence Bank of Kentucky | Owensboro | $3.83B | $3.02B | 26 |
| 6 | Traditional Bank, Inc. | Mount Sterling | $2.44B | $2.14B | 19 |
| 7 | South Central Bank, Inc. | Glasgow | $2.26B | $1.97B | 27 |
| 8 | Heritage Bank, Inc. | Burlington | $1.99B | $1.83B | 19 |
| 9 | Planters Bank, Inc. | Hopkinsville | $1.96B | $1.71B | 13 |
| 10 | Whitaker Bank | Lexington | $1.93B | $1.62B | 46 |
| 11 | Forcht Bank, National Association | Lexington | $1.65B | $1.49B | 23 |
| 12 | The Cecilian Bank | Cecilia | $1.59B | $1.33B | 19 |
| 13 | Community Financial Services Bank | Benton | $1.37B | $1.23B | 8 |
| 14 | First Southern National Bank | Lancaster | $1.28B | $1.12B | 17 |
| 15 | Edmonton State Bank | Glasgow | $1.15B | $1.00B | 18 |
| 16 | The Monticello Banking Company | Monticello | $1.07B | $924.3M | 21 |
| 17 | The Paducah Bank and Trust Company | Paducah | $1.07B | $844.2M | 6 |
| 18 | The Farmers National Bank of Danville | Danville | $989.8M | $848.0M | 15 |
| 19 | American Bank & Trust Company, Inc. | Bowling Green | $924.4M | $800.0M | 6 |
| 20 | Wilson & Muir Bank & Trust Company | Bardstown | $818.4M | $727.6M | 12 |
| 21 | Cumberland Valley National Bank & Trust Company | London | $816.1M | $737.2M | 14 |
| 22 | Franklin Bank & Trust Company | Franklin | $803.6M | $650.7M | 5 |
| 23 | Farmers Bank and Trust Company | Marion | $794.0M | $699.2M | 10 |
| 24 | FNB Bank, Inc. | Mayfield | $770.0M | $706.4M | 11 |
| 25 | First & Farmers National Bank, Inc. | Somerset | $714.2M | $630.7M | 11 |
| 26 | The Citizens National Bank of Somerset | Somerset | $700.9M | $569.0M | 12 |
| 27 | Citizens Bank of Kentucky, Inc. | Paintsville | $669.9M | $571.0M | 12 |
| 28 | Peoples Exchange Bank | Winchester | $609.8M | $522.7M | 9 |
| 29 | Hearthside Bank Corporation | Middlesboro | $608.9M | $547.9M | 8 |
| 30 | First United Bank and Trust Company | Madisonville | $591.4M | $525.0M | 7 |
| 31 | First Kentucky Bank, Inc. | Mayfield | $585.6M | $508.2M | 11 |
| 32 | Peoples Bank of Kentucky, Inc. | Flemingsburg | $564.9M | $489.3M | 12 |
| 33 | West Point Bank | Radcliff | $560.6M | $475.7M | 5 |
| 34 | Magnolia Bank, Incorporated | Elizabethtown | $546.3M | $449.5M | 15 |
| 35 | The Murray Bank | Murray | $534.1M | $476.7M | 3 |
| 36 | United Community Bank of West Kentucky, Inc. | Morganfield | $524.9M | $447.1M | 6 |
| 37 | The Casey County Bank, Inc. | Liberty | $508.4M | $365.6M | 5 |
| 38 | First Community Bank of the Heartland, Inc. | Clinton | $506.0M | $446.3M | 11 |
| 39 | River City Bank, Inc. | Louisville | $494.9M | $438.3M | 7 |
| 40 | Springfield State Bank | Springfield | $486.9M | $388.4M | 3 |
| 41 | Eclipse Bank, Inc. | Louisville | $485.7M | $341.3M | 4 |
| 42 | The First National Bank of Russell Springs | Russell Springs | $475.2M | $409.0M | 3 |
| 43 | Pbt Bancorp | Hazard | $473.2M | $426.7M | 6 |
| 44 | United Cumberland Bank | Whitley City | $460.2M | $399.3M | 7 |
| 45 | Meade County Bank | Brandenburg | $458.4M | $384.4M | 4 |
| 46 | The Lincoln National Bank of Hodgenville | Hodgenville | $454.4M | $377.8M | 5 |
| 47 | Morgantown Bank & Trust Company, Incorporated | Morgantown | $439.7M | $385.7M | 8 |
| 48 | Town & Country Bank and Trust Company | Bardstown | $433.7M | $378.0M | 5 |
| 49 | Cumberland Security Bank, Inc. | Somerset | $420.1M | $359.4M | 4 |
| 50 | Bank of Lexington, Inc. | Lexington | $410.8M | $322.2M | 4 |
| 51 | Bank of the Bluegrass and Trust Company | Lexington | $407.0M | $346.0M | 5 |
| 52 | First State Bank | Irvington | $402.0M | $354.3M | 3 |
| 53 | Citizens Bank & Trust Company | Campbellsville | $383.4M | $333.9M | 4 |
| 54 | The First National Bank of Grayson | Grayson | $371.9M | $325.5M | 7 |
| 55 | United Southern Bank | Hopkinsville | $353.7M | $308.3M | 7 |
| 56 | 1st Trust Bank, Inc. | Hazard | $351.7M | $309.2M | 4 |
| 57 | Citizens Deposit Bank of Arlington, Inc. | Arlington | $348.2M | $287.8M | 5 |
| 58 | Kentucky Farmers Bank Corporation | Catlettsburg | $328.5M | $276.1M | 5 |
| 59 | The Farmers Bank of Milton | Milton | $305.1M | $253.4M | 5 |
| 60 | Citizens Guaranty Bank | Richmond | $303.6M | $260.7M | 6 |
| 61 | Hometown Bank of Corbin, Inc. | Corbin | $302.3M | $268.1M | 7 |
| 62 | United Citizens Bank of Southern Kentucky | Columbia | $286.2M | $243.5M | 6 |
| 63 | Bank of Edmonson County | Brownsville | $283.4M | $242.7M | 3 |
| 64 | The Farmers Bank | Nicholasville | $282.7M | $250.7M | 4 |
| 65 | First Federal Savings Bank of Kentucky | Frankfort | $282.6M | $207.8M | 6 |
| 66 | Bank of Jamestown | Jamestown | $263.8M | $192.2M | 3 |
| 67 | Bank of Hindman | Hindman | $259.7M | $211.4M | 3 |
| 68 | FIRST NATIONAL BANK OF KENTUCKY | Carrollton | $258.0M | $227.6M | 6 |
| 69 | Citizens Bank | Mount Vernon | $250.4M | $221.6M | 5 |
| 70 | Farmers Bank and Trust Company | Princeton | $247.8M | $215.1M | 4 |
| 71 | Lewisburg Banking Company | Lewisburg | $246.1M | $210.1M | 5 |
| 72 | Taylor County Bank | Campbellsville | $243.8M | $217.3M | 4 |
| 73 | The Commercial Bank of Grayson | Grayson | $242.0M | $215.4M | 3 |
| 74 | Bank of Columbia | Columbia | $231.1M | $209.2M | 3 |
| 75 | The First National Bank of Manchester | Manchester | $230.1M | $206.4M | 6 |
| 76 | The Citizens Bank | Morehead | $228.6M | $181.9M | 5 |
| 77 | The Citizens Bank | Hickman | $220.4M | $193.7M | 3 |
| 78 | United Citizens Bank & Trust Company | Campbellsburg | $219.3M | $197.5M | 7 |
| 79 | Citizens Bank & Trust Co. of Jackson | Jackson | $217.3M | $190.9M | 3 |
| 80 | Commercial Bank | West Liberty | $216.1M | $181.4M | 2 |
| 81 | Century Bank of Kentucky, Inc. | Lawrenceburg | $208.1M | $188.0M | 2 |
| 82 | First & Peoples Bank and Trust Company | Russell | $207.1M | $190.6M | 4 |
| 83 | Elkton Bank & Trust Company | Elkton | $199.1M | $168.5M | 4 |
| 84 | Peoples Bank | Lebanon | $193.7M | $173.3M | 4 |
| 85 | Bank of Clarkson | Clarkson | $178.2M | $149.7M | 2 |
| 86 | Jackson County Bank | Mc Kee | $175.9M | $113.6M | 3 |
| 87 | PBK BANK, INC. | Stanford | $175.6M | $150.4M | 6 |
| 88 | Citizens Bank and Trust of Lebanon, Inc. | Lebanon | $173.0M | $156.9M | 1 |
| 89 | Auburn Banking Company | Auburn | $164.3M | $149.8M | 3 |
| 90 | Bank of Maysville | Maysville | $164.0M | $133.7M | 3 |
| 91 | The Salyersville National Bank | Salyersville | $163.5M | $125.2M | 2 |
| 92 | The Farmers National Bank of Lebanon | Lebanon | $163.0M | $145.5M | 2 |
| 93 | Commonwealth Community Bank, Inc. | Hartford | $157.7M | $134.8M | 3 |
| 94 | Independent Correspondent Bankers' Bank, Inc. | Frankfort | $151.4M | $82.5M | 1 |
| 95 | The Sacramento Deposit Bank | Sacramento | $149.8M | $136.9M | 2 |
| 96 | Hyden Citizens Bank | Hyden | $148.6M | $134.8M | 4 |
| 97 | The Peoples Bank | Taylorsville | $145.0M | $132.6M | 2 |
| 98 | Bank of Cadiz and Trust Company | Cadiz | $142.9M | $137.9M | 5 |
| 99 | Bank of Buffalo | Buffalo | $140.5M | $102.4M | 3 |
| 100 | The Peoples Bank | Marion | $135.3M | $119.4M | 4 |
Showing the 100 largest of 120 banks. Search Vault for any institution by name.
NCUA-insured credit unions headquartered in Kentucky, ranked by total assets, with member counts from 5300 call report filings.
| # | Credit union | City | Assets | Members |
|---|---|---|---|---|
| 1 | COMMONWEALTH | Frankfort | $2.75B | 140,745 |
| 2 | ABOUND | Radcliff | $2.62B | 117,743 |
| 3 | L & N | Louisville | $2.47B | 120,488 |
| 4 | UNIVERSITY OF KENTUCKY | Lexington | $1.65B | 111,889 |
| 5 | PARK | Louisville | $1.42B | 80,079 |
| 6 | TRANSCEND | Louisville | $571.8M | 49,871 |
| 7 | MEMBERS HERITAGE | Lexington | $564.0M | 54,440 |
| 8 | MEMBERS CHOICE | ASHLAND | $422.1M | 23,228 |
| 9 | ASHLAND | ASHLAND | $408.9M | 46,137 |
| 10 | SIGNET | Paducah | $374.8M | 22,732 |
| 11 | C-PLANT | PADUCAH | $350.9M | 15,891 |
| 12 | CLASS ACT | Louisville | $341.6M | 23,015 |
| 13 | SERVICE ONE | Bowling Green | $265.1M | 17,442 |
| 14 | AUTOTRUCK FINANCIAL | Louisville | $210.0M | 17,497 |
| 15 | ADVANZ | Louisville | $154.0M | 9,433 |
| 16 | THE HEALTH & EDUCATION | Lexington | $121.2M | 12,222 |
| 17 | EXPREE | Frankfort | $114.6M | 9,021 |
| 18 | LAKE CHEM COMMUNITY | Benton | $96.4M | 12,043 |
| 19 | OWENSBORO | Owensboro | $88.6M | 6,076 |
| 20 | GREATER KENTUCKY CU, INC. | LEXINGTON | $82.3M | 9,263 |
| 21 | COVE | Edgewood | $77.9M | 6,464 |
| 22 | DAVIESS COUNTY TEACHERS | Owensboro | $72.3M | 5,414 |
| 23 | BEACON COMMUNITY | Louisville | $68.1M | 9,000 |
| 24 | MOREHEAD COMMUNITY | Morehead | $62.8M | 4,399 |
| 25 | KEMBA LOUISVILLE | Louisville | $59.0M | 4,034 |
| 26 | GREEN RIVER AREA | OWENSBORO | $58.0M | 4,963 |
| 27 | KUE | Lexington | $53.9M | 2,815 |
| 28 | METRO PLUS | Lexington | $48.4M | 4,711 |
| 29 | LOUISVILLE GAS AND ELECTRIC COMPANY | Louisville | $47.8M | 2,736 |
| 30 | NORTHERN KENTUCKY | Highland Height | $41.2M | 7,028 |
| 31 | AUDUBON | Owensboro | $34.8M | 2,580 |
| 32 | RURAL COOPERATIVES | Louisville | $33.7M | 3,094 |
| 33 | WHITESVILLE COMMUNITY | Whitesville | $33.5M | 2,316 |
| 34 | LOUISVILLE FEDERAL | Louisville | $32.9M | 2,206 |
| 35 | YOUR HOMETOWN | Mayfield | $27.9M | 1,682 |
| 36 | LABOR MANAGEMENT | LEWISPORT | $27.8M | 2,847 |
| 37 | LEXINGTON POSTAL COMMUNITY | Lexington | $26.4M | 2,155 |
| 38 | MAIN IMPACT | Murray | $23.1M | 2,001 |
| 39 | K I T | Louisville | $22.2M | 1,841 |
| 40 | OLD KENTUCKY HOME | BARDSTOWN | $19.5M | 2,331 |
| 41 | ARH | MIDDLESBORO | $18.6M | 3,666 |
| 42 | W B H EMPLOYEES | Paducah | $16.5M | 2,298 |
| 43 | BROWN-FORMAN EMPLOYEES | LOUISVILLE | $14.9M | 1,326 |
| 44 | KRAFTCOR | Hawesville | $12.3M | 1,184 |
| 45 | BLUEGRASS COMMUNITY | Ashland | $12.3M | 1,850 |
| 46 | DOE RUN | BRANDENBURG | $12.1M | 1,518 |
| 47 | REGIONAL MEDICAL CTR HOPKINS CO EMP | MADISONVILLE | $9.0M | 1,349 |
| 48 | F.C.I. ASHLAND | Ashland | $8.2M | 753 |
| 49 | MSD | LOUISVILLE | $7.3M | 883 |
| 50 | SHAWNEE TVA EMPLOYEES | WEST PADUCAH | $6.6M | 599 |
Deposit market share is measured at the county level from the FDIC Summary of Deposits, an annual branch-level filing as of each June 30. County data shows which institutions actually hold balances in a given market and how concentrated that market is — a question state-level totals cannot answer, because a bank can be small statewide and dominant in its home county.
Vault republishes public FDIC and NCUA filings without modification. Bank figures come from quarterly call reports; credit union figures from NCUA 5300 filings; branch and deposit market share from the FDIC Summary of Deposits. Data is free to access and free to cite, with no login or paywall. The same data is available to AI agents through a public Model Context Protocol server at vaultbot.ai/mcp.