Kentucky
Community Reinvestment Act ratings · Search Kentucky banks
493 banks tracked
Current Rating Distribution
Outstanding
72
14.6%
Satisfactory
418
84.8%
Needs to Improve
3
0.6%
Substantial Noncompliance
0
0.0%
FIFTH THIRD S.B. OF WESTERN KENTUCKY
LOUISVILLE · OTS · Dec 1993
OutstandingSTOCK YARDS BANK & TRUST COMPANY
LOUISVILLE · FDIC · Aug 2024
OutstandingPEOPLES BANK AND TRUST COMPANY
MADISONVILLE · FDIC · Feb 1993
OutstandingSIMPSON COUNTY BANK
FRANKLIN · FDIC · Feb 1997
OutstandingCOMMUNITY FINANCIAL SERVICES BANK
BENTON · FDIC · Feb 2017
OutstandingTHE FIRST STATE BANK AND TRUST COMPANY OF MANCHESTER, KENTUCKY
MANCHESTER · FDIC · Jul 1993
OutstandingBANK OF EDMONSON COUNTY
BROWNSVILLE · FDIC · Dec 2022
OutstandingUNITED CUMBERLAND BANK
WHITLEY CITY · FDIC · Mar 2025
OutstandingRICHMOND BANK AND TRUST COMPANY
RICHMOND · FDIC · Oct 1995
OutstandingFIRST NATIONAL BANK AND TRUST
NICHOLASVILLE · OCC · Apr 1992
OutstandingBANK OF CUMBERLAND
BURKESVILLE · FDIC · Jun 1998
OutstandingFIRST AND FARMERS BANK OF SOMERSET, INC.
SOMERSET · FDIC · Oct 1998
OutstandingADAIRVILLE BANKING COMPANY
ADAIRVILLE · FDIC · Jun 1992
OutstandingFIRST STATE BANK
GREENVILLE · FDIC · Dec 1996
OutstandingFNB BANK, INC.
MAYFIELD · FDIC · Jul 2023
OutstandingFIRST FEDERAL BANK
LEXINGTON · OTS · Jul 2008
OutstandingHERITAGE BANK
HOPKINSVILLE · OTS · Sep 2008
OutstandingPIONEER FEDERAL SAVINGS BANK
WINCHESTER · OTS · Jul 1997
OutstandingFARMERS STATE BANK
BOONEVILLE · FDIC · Sep 2023
OutstandingCITIZENS BANK AND TRUST COMPANY OF PADUCAH
PADUCAH · FDIC · Oct 1996
OutstandingFIRST FEDERAL SAVINGS BANK
CYNTHIANA · OTS · Feb 2003
OutstandingFIRST & FARMERS NATIONAL BANK, INC.
SOMERSET · OCC · Jun 2025
OutstandingHOME SAVINGS BANK, FSB
LUDLOW · OTS · Nov 2009
OutstandingTHE FIRST NATIONAL BANK OF MANCHESTER
MANCHESTER · OCC · Nov 2022
OutstandingPEOPLES BANK OF TOMPKINSVILLE
TOMPKINSVILLE · FDIC · Jan 1998
OutstandingPEOPLES COMMERCIAL BANK
WINCHESTER · FDIC · Dec 1998
OutstandingREPUBLIC BANK OF SHELBY COUNTY
SHELBYVILLE · FDIC · Dec 1993
OutstandingHEBRON DEPOSIT BANK
HEBRON · FDIC · Oct 1997
OutstandingTHE HUNTINGTON BANK, INC.
COVINGTON · FDIC · Mar 1994
OutstandingPOWELL COUNTY BANK
STANTON · FDIC · Apr 1999
OutstandingCUMBERLAND VALLEY NATIONAL BANK & TRUST COMPANY
LONDON · OCC · Jul 2025
OutstandingCOMMUNITY FIRST BANK
MOUNT OLIVET · FDIC · Jun 1996
OutstandingCOMMUNITY FIRST BANK OF KENTUCKY
WARSAW · FDIC · Aug 1997
OutstandingBEDFORD LOAN & DEPOSIT BANK
BEDFORD · FDIC · Aug 2025
OutstandingPEOPLES FIRST NATIONAL BANK & TRUST COMPANY
PADUCAH · OCC · Dec 1995
OutstandingTHE FIFTH THIRD BANK OF CENTRAL KENTUCKY, INC.
LEXINGTON · FDIC · Aug 1993
OutstandingTHE FARMERS BANK
HARDINSBURG · FDIC · Oct 1997
OutstandingOWENSBORO NATIONAL BANK
OWENSBORO · OCC · May 1994
OutstandingFIRST NATIONAL BANK OF CLINTON
CLINTON · OCC · Jan 1999
OutstandingCENTRAL BANK & TRUST COMPANY, OWENSBORO, KENTUCKY
OWENSBORO · FDIC · May 1992
OutstandingBANK ONE, LEXINGTON, N.A.
LEXINGTON · OCC · Sep 1995
OutstandingUNITED CITIZENS BANK & TRUST COMPANY
CAMPBELLSBURG · FDIC · Sep 2025
OutstandingPIONEER BANK
CANMER · FDIC · Mar 1999
OutstandingFIRST NATIONAL BANK AND TRUST OF WOODFORD CO.
VERSAILLES · OCC · Apr 1993
OutstandingCRESTWOOD STATE BANK
CRESTWOOD · FDIC · Jan 1993
OutstandingGRAVES COUNTY BANK, INC.
MAYFIELD · FDIC · Jul 1996
OutstandingHERITAGE FIRST BANK
ROME · FDIC · Jun 2020
OutstandingWILLIAMSBURG NATIONAL BANK
WILLIAMSBURG · OCC · Oct 2004
OutstandingHARDIN COUNTY BANK AND TRUST, INC.
RADCLIFF · FDIC · Apr 1992
OutstandingLIBERTY NATIONAL BANK OF NORTHERN KENTUCKY
ERLANGER · OCC · Apr 1994
Outstanding
| Bank | City | Regulator | Exam Date | Rating |
|---|---|---|---|---|
| FIFTH THIRD S.B. OF WESTERN KENTUCKY | LOUISVILLE | OTS | Dec 1993 | Outstanding |
| STOCK YARDS BANK & TRUST COMPANY | LOUISVILLE | FDIC | Aug 2024 | Outstanding |
| PEOPLES BANK AND TRUST COMPANY | MADISONVILLE | FDIC | Feb 1993 | Outstanding |
| SIMPSON COUNTY BANK | FRANKLIN | FDIC | Feb 1997 | Outstanding |
| COMMUNITY FINANCIAL SERVICES BANK | BENTON | FDIC | Feb 2017 | Outstanding |
| THE FIRST STATE BANK AND TRUST COMPANY OF MANCHESTER, KENTUCKY | MANCHESTER | FDIC | Jul 1993 | Outstanding |
| BANK OF EDMONSON COUNTY | BROWNSVILLE | FDIC | Dec 2022 | Outstanding |
| UNITED CUMBERLAND BANK | WHITLEY CITY | FDIC | Mar 2025 | Outstanding |
| RICHMOND BANK AND TRUST COMPANY | RICHMOND | FDIC | Oct 1995 | Outstanding |
| FIRST NATIONAL BANK AND TRUST | NICHOLASVILLE | OCC | Apr 1992 | Outstanding |
| BANK OF CUMBERLAND | BURKESVILLE | FDIC | Jun 1998 | Outstanding |
| FIRST AND FARMERS BANK OF SOMERSET, INC. | SOMERSET | FDIC | Oct 1998 | Outstanding |
| ADAIRVILLE BANKING COMPANY | ADAIRVILLE | FDIC | Jun 1992 | Outstanding |
| FIRST STATE BANK | GREENVILLE | FDIC | Dec 1996 | Outstanding |
| FNB BANK, INC. | MAYFIELD | FDIC | Jul 2023 | Outstanding |
| FIRST FEDERAL BANK | LEXINGTON | OTS | Jul 2008 | Outstanding |
| HERITAGE BANK | HOPKINSVILLE | OTS | Sep 2008 | Outstanding |
| PIONEER FEDERAL SAVINGS BANK | WINCHESTER | OTS | Jul 1997 | Outstanding |
| FARMERS STATE BANK | BOONEVILLE | FDIC | Sep 2023 | Outstanding |
| CITIZENS BANK AND TRUST COMPANY OF PADUCAH | PADUCAH | FDIC | Oct 1996 | Outstanding |
| FIRST FEDERAL SAVINGS BANK | CYNTHIANA | OTS | Feb 2003 | Outstanding |
| FIRST & FARMERS NATIONAL BANK, INC. | SOMERSET | OCC | Jun 2025 | Outstanding |
| HOME SAVINGS BANK, FSB | LUDLOW | OTS | Nov 2009 | Outstanding |
| THE FIRST NATIONAL BANK OF MANCHESTER | MANCHESTER | OCC | Nov 2022 | Outstanding |
| PEOPLES BANK OF TOMPKINSVILLE | TOMPKINSVILLE | FDIC | Jan 1998 | Outstanding |
| PEOPLES COMMERCIAL BANK | WINCHESTER | FDIC | Dec 1998 | Outstanding |
| REPUBLIC BANK OF SHELBY COUNTY | SHELBYVILLE | FDIC | Dec 1993 | Outstanding |
| HEBRON DEPOSIT BANK | HEBRON | FDIC | Oct 1997 | Outstanding |
| THE HUNTINGTON BANK, INC. | COVINGTON | FDIC | Mar 1994 | Outstanding |
| POWELL COUNTY BANK | STANTON | FDIC | Apr 1999 | Outstanding |
| CUMBERLAND VALLEY NATIONAL BANK & TRUST COMPANY | LONDON | OCC | Jul 2025 | Outstanding |
| COMMUNITY FIRST BANK | MOUNT OLIVET | FDIC | Jun 1996 | Outstanding |
| COMMUNITY FIRST BANK OF KENTUCKY | WARSAW | FDIC | Aug 1997 | Outstanding |
| BEDFORD LOAN & DEPOSIT BANK | BEDFORD | FDIC | Aug 2025 | Outstanding |
| PEOPLES FIRST NATIONAL BANK & TRUST COMPANY | PADUCAH | OCC | Dec 1995 | Outstanding |
| THE FIFTH THIRD BANK OF CENTRAL KENTUCKY, INC. | LEXINGTON | FDIC | Aug 1993 | Outstanding |
| THE FARMERS BANK | HARDINSBURG | FDIC | Oct 1997 | Outstanding |
| OWENSBORO NATIONAL BANK | OWENSBORO | OCC | May 1994 | Outstanding |
| FIRST NATIONAL BANK OF CLINTON | CLINTON | OCC | Jan 1999 | Outstanding |
| CENTRAL BANK & TRUST COMPANY, OWENSBORO, KENTUCKY | OWENSBORO | FDIC | May 1992 | Outstanding |
| BANK ONE, LEXINGTON, N.A. | LEXINGTON | OCC | Sep 1995 | Outstanding |
| UNITED CITIZENS BANK & TRUST COMPANY | CAMPBELLSBURG | FDIC | Sep 2025 | Outstanding |
| PIONEER BANK | CANMER | FDIC | Mar 1999 | Outstanding |
| FIRST NATIONAL BANK AND TRUST OF WOODFORD CO. | VERSAILLES | OCC | Apr 1993 | Outstanding |
| CRESTWOOD STATE BANK | CRESTWOOD | FDIC | Jan 1993 | Outstanding |
| GRAVES COUNTY BANK, INC. | MAYFIELD | FDIC | Jul 1996 | Outstanding |
| HERITAGE FIRST BANK | ROME | FDIC | Jun 2020 | Outstanding |
| WILLIAMSBURG NATIONAL BANK | WILLIAMSBURG | OCC | Oct 2004 | Outstanding |
| HARDIN COUNTY BANK AND TRUST, INC. | RADCLIFF | FDIC | Apr 1992 | Outstanding |
| LIBERTY NATIONAL BANK OF NORTHERN KENTUCKY | ERLANGER | OCC | Apr 1994 | Outstanding |