Safest Banks in Kentucky 2026
Kentucky has 103 FDIC-insured banks with an average Bank Health Score of 72/100 (B). The safest bank is Hart County Bank&Trust Co with a score of 99/100.
Data from FDIC Q2 2024
103 Kentucky banks are ranked below by the BankHealth composite score. The composite weights Tier 1 capital ratio (35%), inverted non-performing loan ratio (30%), liquidity ratio (25%), and return on assets (10%) into a 0-100 grade.
Top-of-list banks combine strong capital with clean loan books and reasonable profitability. Bottom-of-list banks face pressure on one or more scoring factors — most often elevated NPL ratios or thin profitability margins. Each bank links to its full profile with multi-quarter trend charts, the four composite factor breakdowns, and the underlying FDIC Call Report data.
Kentucky's 103 FDIC-insured banks hold a combined $73.1B in assets. Their average Bank Health Score of 72/100 sits 2.0 points above the national average of 70/100. Across the state, 60% of banks earn an A or B grade for financial health, while 8% fall to a D or F.
The largest bank headquartered in Kentucky is Stock Yards Bank&Trust Co with $8.3B in assets and a Bank Health Score of 75/100. The strongest by score is Hart County Bank&Trust Co in Munfordville (99/100, Tier 1 capital 38.42%). The weakest is First&Peoples Bank&Trust Co at 25/100, dragged down by an NPL ratio of 23.38%.
All scores below come from the latest FDIC BankFind Call Report (Q2 2024). The Bank Health Score weights Tier 1 capital ratio (35%), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%) — the four metrics regulators watch most closely when judging whether a bank is well-capitalized. Every bank with FDIC insurance covers up to $250,000 per depositor per ownership category, but the score helps you tell apart banks that are comfortably well-capitalized from those operating closer to the line.
Top 3 Safest Banks in Kentucky
Hart County Bank&Trust Co
Munfordville, KY
Kentucky's top-rated bank, with a Tier 1 capital ratio of 38.42% — well above the federal "well-capitalized" threshold of 8%. Holds $26M in assets.
Kentucky Farmers Bank Corp
Catlettsburg, KY
Second-strongest in the state on capital and loan quality. NPL ratio sits at 0.08% with $278M in total assets.
Bank of Clarkson
Clarkson, KY
Third in the rankings on the Bank Health Score. Liquidity ratio of 29.55% and ROA of 1.69%.
Top 20 of 103 Banks in Kentucky
| # | Bank | City | Grade | Score | Tier 1 Capital | NPL Ratio |
|---|---|---|---|---|---|---|
| 1 | Hart County Bank&Trust Co | Munfordville | A | 99 | 38.42% | 0.00% |
| 2 | Kentucky Farmers Bank Corp | Catlettsburg | A | 99 | 27.28% | 0.08% |
| 3 | Bank of Clarkson | Clarkson | A | 98 | 20.23% | 0.02% |
| 4 | Salyersville National Bank | Salyersville | A | 98 | 25.29% | 0.11% |
| 5 | Peoples Bank Mt Washington | Mount Washington | A | 96 | 14.09% | 0.00% |
| 6 | Sacramento Deposit Bank | Sacramento | A | 96 | 15.18% | 0.42% |
| 7 | Bank of Maysville | Maysville | A | 96 | 29.04% | 0.00% |
| 8 | Citizens Bank | Morehead | A | 95 | 14.28% | 0.07% |
| 9 | Elkton Bank&Trust Co | Elkton | A | 95 | 23.51% | 0.05% |
| 10 | Independent Correspondent Ba | Frankfort | A | 95 | 20.79% | 0.00% |
| 11 | Citizens Nb of Somerset | Somerset | A | 94 | 15.20% | 0.28% |
| 12 | Bank of Cadiz&Trust Co | Cadiz | A | 93 | 17.89% | 0.33% |
| 13 | First Southern National Bank | Lancaster | A | 93 | 14.76% | 0.98% |
| 14 | Citizens Bank of Ky INC | Paintsville | A | 93 | 22.23% | 0.42% |
| 15 | Citizens Nb of Lebanon | Lebanon | A | 93 | 28.65% | 0.15% |
| 16 | Traditional Bank INC | Mount Sterling | A | 92 | 14.32% | 0.14% |
| 17 | Cumberland Security Bank INC | Somerset | A | 89 | 16.48% | 0.07% |
| 18 | Wilson&Muir Bank&Trust Co | Bardstown | A | 89 | 12.13% | 0.48% |
| 19 | First Kentucky Bank INC | Mayfield | A | 89 | 12.83% | 0.11% |
| 20 | Bank of Edmonson County | Brownsville | A | 89 | 15.53% | 0.69% |
Bank Health Scores for Kentucky are calculated from FDIC Call Report data including Tier 1 capital ratios, nonperforming loan ratios, liquidity ratios, and return on assets.
Frequently Asked Questions
Based on our Bank Health Score analysis of FDIC data, Hart County Bank&Trust Co in Munfordville is currently the safest bank in Kentucky with a score of 99/100 (Grade A). It posts a Tier 1 capital ratio of 38.42% and a nonperforming loan ratio of 0.00%.
Kentucky has 103 FDIC-insured banks with a combined $73.1B in total assets. The average Bank Health Score across the state is 72/100 (Grade B).
Kentucky's average Bank Health Score of 72/100 is 2.0 points above the national average of 70/100. 60% of banks in Kentucky earn an A or B grade, compared with the national average grade of B.
Of 103 FDIC-insured banks headquartered in Kentucky, 43 earn an A, 19 a B, 33 a C, 4 a D, and 4 an F. The most common grade is B.
The Bank Health Score (0-100) is based on four FDIC-reported metrics: Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%). Higher scores indicate stronger financial health. Every score uses the latest FDIC Call Report data.
Bank Health Scores are computed from quarterly FDIC Call Report data. Tier 1 capital ratio (35%), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).