Kentucky

Banks

Kentucky's 120 banks hold $84.9B in assets at 30 June 2026. Stock Yards Bank & Trust Co. is the largest at $10.4B, and the five largest hold 38% of the total; 17 institutions are above $1B, holding $52.0B.

Loans grew a median +5.6% in the year to 30 June 2026: 28 institutions grew faster than 10% and 21 shrank. The median bank lends 84% of its deposits and holds commercial real estate at 26.8% of loans. Nonperforming loans sit at a median 0.45% of the book, return on assets at 1.25%, and equity at 10.0% of assets.

12 of the 120 are in the catalogue, each read from its own filing beside the banks its size in the state: Stock Yards Bank & Trust Co., Republic Bank & Trust Co., Community Trust Bank Inc, Central Bank & Trust Co., Independence Bank of Kentucky, Traditional Bank Inc, South Central Bank Inc, Heritage Bank Inc, Planters Bank Inc, Whitaker Bank, Farmers National Bank of Danville, American Bank & Trust Co. Inc.

Stock Yards Bank & Trust Co. holds 12.2% of the state's bank assets; the five largest hold 38%, and 17 of the 120 are above $1B.

The curve's distance from the diagonal is the concentration: 38% of the assets in 4% of the institutions. A Gini near zero would mean equal shares; one would mean a single holder.

1-4 family residential, closed-end is the largest category at 29.4% of the state's $60.9B in loans, then Nonfarm nonresidential, non-owner-occupied at 16.3% and Nonfarm nonresidential, owner-occupied at 11.7%.

PBT Bcorp grew fastest at +42.4%; 28 grew faster than 10% and 21 shrank, Security Bank & Trust Co. the most at -9.6%. The median is +5.6%.

Independent Correspondent Ba is the most CRE-weighted at 52.9% of loans; 11 of the 120 are above 40%, against a median of 26.8%.

7 of the 120 banks sit above the 300% screen, American Bank & Trust Co. Inc the highest at 374% of capital; the median is 154%. Crossing the screen is not a violation; it is the level at which examiners expect the risk-management practices the guidance describes.

12 of the 120 banks sit above the 100% construction screen, West Point Bank the highest at 184%; the median is 40%.

16 of the 120 lend more than they hold in deposits, First Federal Savings & Loan Association the furthest at 130%; the median is 84%.

First & Peoples Bank & Trust Co. carries the most nonperforming loans at 15.30% of the book; 32 of the 120 are above 1%, and the median is 0.45%.

The distance between the two dots is the reserve's headroom over the loans already in trouble. 28 of the 120 hold an allowance smaller than their nonperforming loans.

Cumberland Security Bank Inc earns the most at 4.51% and Cornerstone Community Bank the least at -1.69%; 10 of the 120 earn under 0.50%, and the median is 1.25%.

Cumberland Security Bank Inc runs the leanest at 32.1% of revenue in cost; 11 of the 120 spend more than 80 cents of every revenue dollar, and the median is 61.2%.

Institution	Assets	Loans YoY	CRE / loans	Loans / deposits	NPA / loans	ROA	Equity / assets
Stock Yards Bank & Trust Co.	$10.4B	+15.1%	36.0%	93%	0.31%	1.62%	12.0%
Republic Bank & Trust Co.	$7.1B	+1.1%	25.8%	97%	0.56%	2.12%	15.4%
Community Trust Bank Inc	$6.9B	+9.0%	29.4%	90%	0.58%	1.62%	13.1%
Central Bank & Trust Co.	$4.0B	+5.3%	45.8%	97%	0.21%	1.26%	12.5%
Independence Bank of Kentucky	$3.8B	+1.1%	26.4%	71%	0.12%	1.14%	8.3%
Traditional Bank Inc	$2.4B	+6.8%	44.8%	78%	0.25%	1.16%	8.8%
South Central Bank Inc	$2.3B	+11.9%	37.9%	91%	0.30%	1.38%	9.0%
Heritage Bank Inc	$2.0B	+2.8%	47.0%	68%	0.47%	1.05%	7.2%
Planters Bank Inc	$2.0B	-3.2%	45.1%	86%	0.11%	1.27%	11.8%
Whitaker Bank	$1.9B	+6.2%	30.5%	68%	0.21%	1.38%	11.5%
Forcht Bank National Association	$1.6B	+1.6%	32.8%	76%	0.05%	0.72%	8.9%
Cecilian Bank	$1.6B	+2.3%	33.4%	80%	0.40%	1.65%	10.3%
Community Finl Services Bank	$1.4B	-0.8%	13.6%	80%	0.42%	1.01%	8.3%
First Southern National Bank	$1.3B	+5.1%	27.2%	71%	0.61%	0.81%	11.6%
Edmonton State Bank	$1.2B	+10.4%	31.4%	93%	0.32%	2.49%	12.0%

Credit unions

Kentucky's 52 credit unions hold $16.5B in assets at 31 March 2026. Commonwealth is the largest at $2.8B, and the five largest hold 68% of the total; 5 institutions are above $1B, holding $11.3B.

Loans grew a median +2.9% in the year to 31 March 2026: 10 institutions grew faster than 10% and 22 shrank. The median credit union lends 67% of its shares, with member business loans at 0.0% of loans. Delinquent loans sit at a median 0.55% of the book, return on assets at 0.76%, and net worth at 12.8% of assets.

None of the 52 is in the catalogue yet.

Commonwealth holds 17.1% of the state's credit union assets; the five largest hold 68%, and 5 of the 52 are above $1B.

The curve's distance from the diagonal is the concentration: 68% of the assets in 10% of the institutions. A Gini near zero would mean equal shares; one would mean a single holder.

Young Community grew fastest at +366.6%; 10 grew faster than 10% and 22 shrank, Your Hometown the most at -30.7%. The median is +2.9%.

L & N carries the most commercial lending at 43.4% of loans; 5 of the 52 are above 10%, against a median of 0.0%.

1 of the 52 lend more than they hold in shares, University of Kentucky the furthest at 109%; the median is 67%.

Tayco Employees carries the most delinquency at 5.47% of the book; 14 of the 52 are above 1%, and the median is 0.55%.

The distance between the two dots is the reserve's headroom over the loans already in trouble. 21 of the 52 hold an allowance smaller than their delinquent loans.

Northern Kentucky earns the most at 1.72% and Cove the least at -19.37%; 21 of the 52 earn under 0.50%, and the median is 0.76%.

The Health & Education runs the leanest at 52.7% of revenue in cost; 23 of the 52 spend more than 80 cents of every revenue dollar, and the median is 79.0%.

Institution	Assets	Loans YoY	MBL / loans	Loans / shares	Delinquency	ROA	Net worth
Commonwealth	$2.8B	+13.8%	9.2%	84%	0.67%	1.35%	11.1%
Abound	$2.7B	+8.2%	5.9%	87%	0.54%	0.82%	15.8%
L & N	$2.6B	+11.7%	43.4%	91%	0.21%	1.11%	10.5%
University of Kentucky	$1.7B	+10.7%	11.7%	109%	0.89%	0.53%	11.0%
Park	$1.4B	+7.2%	16.3%	90%	1.70%	0.54%	17.6%
Transcend	$589M	+5.7%	0.0%	86%	0.17%	1.00%	13.0%
Members Heritage	$584M	+2.1%	0.1%	72%	0.54%	0.50%	12.3%
Members Choice	$426M	+6.5%	24.5%	75%	0.62%	0.65%	8.3%
Ashland	$412M	-1.4%	0.7%	80%	1.50%	0.25%	12.2%
Signet	$390M	+7.3%	0.6%	69%	1.07%	1.17%	16.7%
C-plant	$363M	+3.5%	15.7%	45%	0.23%	1.27%	14.6%
Class Act	$352M	+5.6%	0.0%	76%	0.40%	1.31%	11.1%
Service One	$271M	-4.9%	0.5%	83%	0.84%	0.41%	9.3%
Autotruck Financial	$219M	-2.1%	0.0%	45%	1.52%	0.21%	12.9%
Advanz	$159M	+3.1%	0.0%	52%	0.32%	0.91%	15.7%