BankRankedBanks in Kentucky
5 FDIC-insured banks headquartered in Kentucky, ranked by total assets.
Kentucky is home to 5 FDIC-insured banks holding a combined $30.95B in total assets and approximately $24.71B in deposits (Source: FDIC BankFind). These figures represent banks headquartered in Kentucky and may not include all branches of out-of-state banks operating in the state.
Stock Yards Bank & Trust Company is the largest bank headquartered in Kentucky with $9.53B in total assets, indicating moderate market concentration among the largest institutions (Source: FDIC BankFind). The mix of national banks, regional institutions, and community banks in Kentucky provides consumers with a range of options based on their banking preferences.
Total Banks
5
Combined Assets
$30.95B
Avg ROA
1.39%
Largest banks in Kentucky
Stock Yards Bank & Trust Company is the largest bank headquartered in Kentucky with $9.53B in total assets and 77 branches (Source: FDIC BankFind).
Republic Bank & Trust Company is a major bank headquartered in Kentucky with $7.04B in total assets and 48 branches (Source: FDIC BankFind).
Community Trust Bank, Inc. is a major bank headquartered in Kentucky with $6.64B in total assets and 81 branches (Source: FDIC BankFind).
Central Bank & Trust Co. is a major bank headquartered in Kentucky with $3.94B in total assets and 28 branches (Source: FDIC BankFind).
Independence Bank of Kentucky is a major bank headquartered in Kentucky with $3.79B in total assets and 26 branches (Source: FDIC BankFind).
Banks headquartered in Kentucky
| # | Bank | Total Assets |
|---|---|---|
| 1 | Stock Yards Bank & Trust Company | $9.53B |
| 2 | Republic Bank & Trust Company | $7.04B |
| 3 | Community Trust Bank, Inc. | $6.64B |
| 4 | Central Bank & Trust Co. | $3.94B |
| 5 | Independence Bank of Kentucky | $3.79B |
Source: FDIC BankFind, most recent quarterly data. Only includes banks headquartered in Kentucky. Data last updated: April 2, 2026.
Credit unions in Kentucky
2 credit unions headquartered in Kentucky, ranked by total assets. Credit unions are member-owned cooperatives insured by the NCUA.
| # | Credit Union | Total Assets |
|---|---|---|
| 1 | COMMONWEALTH | $2.75B |
| 2 | ABOUND | $2.62B |
Source: NCUA Quarterly Call Report Data. Only includes credit unions headquartered in Kentucky.
How to choose a bank in Kentucky
When choosing a bank in Kentucky, consider what matters most for your financial needs. Kentucky has 5 FDIC-insured banks headquartered in the state, plus additional out-of-state banks with local branches. Each institution offers different strengths in terms of branch access, product variety, and community focus.
Consider whether branch access matters to you. If you prefer in-person banking, look for institutions with branches near your home or workplace. If you primarily use mobile and online banking, you may want to prioritize digital features and compare interest rates, as online-focused banks often offer higher savings APYs.
All banks listed on this page are FDIC-insured, meaning deposits are protected up to $250,000 per depositor, per insured bank, for each account ownership category (Source: FDIC). Beyond FDIC insurance, compare factors such as monthly maintenance fees, ATM networks, minimum balance requirements, and customer service availability. The CFPB recommends comparing at least three institutions before opening a new account.
Data Sources
FDIC BankFind: Financial data including total assets, deposits, net income, ROA, and ROE for all FDIC-insured institutions. https://banks.data.fdic.gov/
CFPB Consumer Complaint Database: Consumer complaint data by institution, including complaint volumes, response rates, and top issue categories. https://www.consumerfinance.gov/data-research/consumer-complaints/
Federal Reserve Economic Data (FRED): Interest rate benchmarks including the Federal Funds Rate, Treasury yields, and national savings rate averages. https://fred.stlouisfed.org/
BankRanked is not a bank, credit union, or financial advisor. This content is for educational purposes only and does not constitute financial advice. All data is sourced from publicly available government databases (FDIC, NCUA, CFPB, FRED). Consult a licensed financial professional before making banking decisions.