Banks in Kentucky — Benchmarks

121 institutions filed a Call Report for 2026Q2. Median values below; each metric has its own page with the full percentile distribution and every quarter back to 2001.

Metric	Median (2026Q2)	Banks	Quarter
Efficiency Ratio	61.6%	121	2026Q2
Equity Capital / Total Assets	9.9%	121	2026Q2
Loan Loss Reserve / Loans	1.1%	121	2026Q2
Loans / Deposits	83.6%	121	2026Q2
Net Income (year to date)	$2.2M	121	2026Q2
Net Interest Income / Assets (annualized)	3.6%	121	2026Q2
Return on Assets (annualized)	1.2%	121	2026Q2
Return on Equity (annualized)	12.6%	121	2026Q2
Total Assets	$302.3M	121	2026Q2
Total Deposits	$253.4M	121	2026Q2
Total Loans and Leases	$215.2M	121	2026Q2

Largest institutions (2026Q2)

STOCK YARDS BANK & TRUST COMPANY $10.4B assets, KY · evidence
REPUBLIC BANK & TRUST COMPANY $7.1B assets, KY · evidence
COMMUNITY TRUST BANK, INC. $6.9B assets, KY · evidence
CENTRAL BANK & TRUST COMPANY $4.0B assets, KY · evidence
INDEPENDENCE BANK OF KENTUCKY $3.8B assets, KY · evidence
TRADITIONAL BANK, INC. $2.4B assets, KY · evidence
SOUTH CENTRAL BANK, INC. $2.3B assets, KY · evidence
HERITAGE BANK, INC. $2.0B assets, KY · evidence
PLANTERS BANK, INC. $2.0B assets, KY · evidence
WHITAKER BANK, INC $1.9B assets, KY · evidence

Methodology & sources
One row per reporting institution (RSSD) per quarter, as filed. Percentiles computed in the database via percentile_cont, never by a model. Source: FFIEC Call Reports (public domain).

All bank benchmarks · Cite as: FACTANKER, https://factanker.com/banks/state-ky