RANKING ·
Largest net interest margin improvement in Kentucky
105 of 120 banks in Kentucky that filed for the quarter ended June 30, 2026 are ranked. At least $100 million in total assets and a comparable quarter a year earlier. Institutions with equal values share a rank. Source: FDIC quarterly financial data.
| Rank | Institution | Headquarters | Net interest margin, change over 12 months | Total assets |
|---|---|---|---|---|
| 1 | First Federal Savings Bank of Kentucky | Frankfort, KY | +91 bps | $283 million |
| 2 | The Farmers National Bank of Danville | Danville, KY | +76 bps | $990 million |
| 3 | First Southern National Bank | Lancaster, KY | +74 bps | $1.3 billion |
| 4 | Bank of Buffalo | Buffalo, KY | +73 bps | $141 million |
| 5 | Commonwealth Community Bank Inc. | Hartford, KY | +72 bps | $158 million |
| 6 | Traditional Bank Inc. | Mount Sterling, KY | +64 bps | $2.4 billion |
| 7 | Century Bank of Kentucky Inc. | Lawrenceburg, KY | +63 bps | $208 million |
| 8 | Cumberland Security Bank Inc. | Somerset, KY | +60 bps | $420 million |
| 9 | United Southern Bank | Hopkinsville, KY | +59 bps | $354 million |
| 10 | Hometown Bank of Corbin Inc. | Corbin, KY | +59 bps | $302 million |
| 11 | The Commercial Bank of Grayson | Grayson, KY | +52 bps | $242 million |
| 12 | The Sacramento Deposit Bank | Sacramento, KY | +51 bps | $150 million |
| 13 | United Community Bank of West Kentucky Inc. | Morganfield, KY | +46 bps | $525 million |
| 14 | The First National Bank of Grayson | Grayson, KY | +46 bps | $372 million |
| 15 | Peoples Bank Mt Washington | Mount Washington, KY | +46 bps | $120 million |
| 16 | The Cecilian Bank | Cecilia, KY | +46 bps | $1.6 billion |
| 17 | Bank of Maysville | Maysville, KY | +45 bps | $164 million |
| 18 | Bedford Loan & Deposit Bank | Bedford, KY | +44 bps | $122 million |
| 19 | Bank of the Bluegrass and Trust Co. | Lexington, KY | +43 bps | $407 million |
| 20 | First United Bank and Trust Company Inc. | Madisonville, KY | +42 bps | $591 million |
| 21 | The Citizens Bank | Hickman, KY | +42 bps | $220 million |
| 22 | Peoples Exchange Bank Inc. | Winchester, KY | +42 bps | $610 million |
| 23 | 1st Trust Bank Inc. | Hazard, KY | +42 bps | $352 million |
| 24 | First & Peoples Bank and Trust Company | Russell, KY | +42 bps | $207 million |
| 25 | Eclipse Bank Inc. | Louisville, KY | +41 bps | $486 million |
| 26 | The Casey County Bank Inc. | Liberty, KY | +39 bps | $508 million |
| 27 | Hyden Citizens Bank Inc. | Hyden, KY | +39 bps | $149 million |
| 28 | The Citizens National Bank of Somerset | Somerset, KY | +39 bps | $701 million |
| 29 | The First National Bank of Russell Springs | Russell Springs, KY | +38 bps | $475 million |
| 30 | Bank of Hindman | Hindman, KY | +38 bps | $260 million |
| 31 | Pbt Bancorp | Hazard, KY | +37 bps | $473 million |
| 32 | Peoples Bank | Lebanon, KY | +36 bps | $194 million |
| 33 | Town & Country Bank and Trust Company | Bardstown, KY | +36 bps | $434 million |
| 34 | Monticello Banking Company | Monticello, KY | +35 bps | $1.1 billion |
| 35 | Cumberland Valley National Bank & Trust Company | London, KY | +35 bps | $816 million |
| 36 | Independence Bank of Kentucky | Owensboro, KY | +34 bps | $3.8 billion |
| 37 | Franklin Bank & Trust Company | Franklin, KY | +33 bps | $804 million |
| 38 | Hearthside Bank Corporation | Middlesboro, KY | +33 bps | $609 million |
| 39 | Forcht Bank N.A. | Lexington, KY | +33 bps | $1.6 billion |
| 40 | Stock Yards Bank & Trust Company | Louisville, KY | +33 bps | $10.4 billion |
| 41 | Community Financial Services Bank | Benton, KY | +32 bps | $1.4 billion |
| 42 | Farmers Bank and Trust Company | Princeton, KY | +32 bps | $248 million |
| 43 | Whitaker Bank Inc. | Lexington, KY | +30 bps | $1.9 billion |
| 44 | The First National Bank of Manchester | Manchester, KY | +29 bps | $230 million |
| 45 | United Citizens Bank & Trust Company | Campbellsburg, KY | +27 bps | $219 million |
| 46 | First Kentucky Bank Inc. | Mayfield, KY | +27 bps | $586 million |
| 47 | River City Bank Inc. | Louisville, KY | +26 bps | $495 million |
| 48 | Citizens Bank of Kentucky Inc. | Paintsville, KY | +26 bps | $670 million |
| 49 | Morgantown Bank & Trust Company, Incorporated | Morgantown, KY | +26 bps | $440 million |
| 50 | United Citizens Bank of Southern Kentucky Inc. | Columbia, KY | +26 bps | $286 million |
| 51 | Magnolia Bank Inc. | Elizabethtown, KY | +25 bps | $546 million |
| 52 | The Peoples Bank | Taylorsville, KY | +24 bps | $145 million |
| 53 | The Lincoln National Bank of Hodgenville | Hodgenville, KY | +24 bps | $454 million |
| 54 | The Farmers Bank of Milton | Milton, KY | +24 bps | $305 million |
| 55 | The Paducah Bank and Trust Company | Paducah, KY | +22 bps | $1.1 billion |
| 56 | Commercial Bank | West Liberty, KY | +22 bps | $216 million |
| 57 | The Citizens Bank | Morehead, KY | +22 bps | $229 million |
| 58 | First Community Bank of the Heartland Inc. | Clinton, KY | +20 bps | $506 million |
| 59 | Independent Correspondent Bankers' Bank Inc. | Frankfort, KY | +20 bps | $151 million |
| 60 | Heritage Bank Inc. | Burlington, KY | +20 bps | $2.0 billion |
| 61 | Bank of Cadiz and Trust Company | Cadiz, KY | +20 bps | $143 million |
| 62 | American Bank & Trust Company Inc. | Bowling Green, KY | +20 bps | $924 million |
| 63 | Bank of the Mountains Inc. | West Liberty, KY | +18 bps | $100 million |
| 64 | Central Bank & Trust Company | Lexington, KY | +18 bps | $4.0 billion |
| 65 | South Central Bank Inc. | Glasgow, KY | +18 bps | $2.3 billion |
| 66 | The Murray Bank | Murray, KY | +18 bps | $534 million |
| 67 | The Peoples Bank | Marion, KY | +18 bps | $135 million |
| 68 | Republic Bank & Trust Company | Louisville, KY | +17 bps | $7.1 billion |
| 69 | Planters Bank Inc. | Hopkinsville, KY | +16 bps | $2.0 billion |
| 70 | West Point Bank | Radcliff, KY | +15 bps | $561 million |
| 71 | First National Bank of Kentucky | Carrollton, KY | +15 bps | $258 million |
| 72 | Farmers Bank & Trust Company | Marion, KY | +15 bps | $794 million |
| 73 | Citizens Bank & Trust Company | Campbellsville, KY | +15 bps | $383 million |
| 74 | Fredonia Valley Bank | Fredonia, KY | +14 bps | $120 million |
| 75 | First & Farmers National Bank Inc. | Somerset, KY | +13 bps | $714 million |
| 76 | Community Trust Bank Inc. | Pikeville, KY | +12 bps | $6.9 billion |
| 77 | Edmonton State Bank | Glasgow, KY | +12 bps | $1.2 billion |
| 78 | Fnb Bank Inc. | Mayfield, KY | +12 bps | $770 million |
| 79 | Bank of Lexington Inc. | Lexington, KY | +12 bps | $411 million |
| 80 | Springfield State Bank | Springfield, KY | +11 bps | $487 million |
| 81 | Kentucky Farmers Bank Corporation | Catlettsburg, KY | +11 bps | $328 million |
| 82 | Citizens Guaranty Bank | Richmond, KY | +9 bps | $304 million |
| 83 | Citizens Bank | Mount Vernon, KY | +9 bps | $250 million |
| 84 | Bank of Jamestown | Jamestown, KY | +9 bps | $264 million |
| 85 | United Cumberland Bank | Whitley City, KY | +8 bps | $460 million |
| 86 | The Farmers National Bank of Lebanon | Lebanon, KY | +7 bps | $163 million |
| 87 | Taylor County Bank | Campbellsville, KY | +6 bps | $244 million |
| 88 | The Salyersville National Bank | Salyersville, KY | +6 bps | $164 million |
| 89 | Meade County Bank Inc. | Brandenburg, KY | +5 bps | $458 million |
| 90 | Jackson County Bank | Mc Kee, KY | +4 bps | $176 million |
| 91 | Bank of Edmonson County | Brownsville, KY | +4 bps | $283 million |
| 92 | Elkton Bank & Trust Company | Elkton, KY | +1 bps | $199 million |
| 93 | Wilson & Muir Bank & Trust Company | Bardstown, KY | +1 bps | $818 million |
| 94 | Citizens Deposit Bank of Arlington Inc. | Arlington, KY | 0 bps | $348 million |
| 95 | Lewisburg Banking Company | Lewisburg, KY | 0 bps | $246 million |
| 96 | Citizens Bank and Trust of Lebanon Inc. | Lebanon, KY | 0 bps | $173 million |
| 97 | Bank of Clarkson | Clarkson, KY | -1 bps | $178 million |
| 98 | Bank of Columbia | Columbia, KY | -7 bps | $231 million |
| 99 | Farmers Bank | Nicholasville, KY | -8 bps | $283 million |
| 100 | Auburn Banking Company | Auburn, KY | -10 bps | $164 million |
Rankings sort one published measure; they are not an overall judgment of any institution. Methodology · All rankings