Updated April 2026 · FDIC Call Report Q2 2024

A-Rated Banks in Kentucky

43 banks · Average score: 88/100 · Combined assets $28.1B

43 banks in this state currently hold A grades, averaging a composite score of 88/100. Within the tier, individual bank profiles still vary materially on which factor is driving the grade — review the table below for the per-bank breakdown. The tier averages a Tier 1 capital ratio of 18.29% and an NPL ratio of 0.44%, sourced from the most recent FDIC quarterly Call Report.

43 Kentucky banks earn an A grade on the BankHealth composite, with an average score of 88/100. A-grade banks combine strong Tier 1 capital, clean loan books, comfortable liquidity, and solid ROA.

State-and-grade combinations help depositors and policy researchers identify clusters of banking health (or stress) within a specific geography. The list below ranks Kentucky A-grade banks by health score with links to each bank's full profile.

A B C D F

What "A" Means in Practice

A-graded banks in Kentucky are the strongest tier — institutions with composite Bank Health Scores of 80 or higher across capital, loan quality, liquidity, and profitability. Currently 43 banks chartered in Kentucky qualify. A grades typically reflect well-above-regulatory capital cushions (often 12%+ Tier 1), sub-1% nonperforming loans, and ample liquidity buffers. Many A-graded banks are conservatively run community institutions or specialty banks with focused, lower-risk loan portfolios.

For depositors: A-graded institutions face less probability of regulatory action than peers, all else equal. That said, FDIC insurance — not the bank's grade — protects deposits up to $250,000 per depositor, per insured bank, per ownership category. The grade describes regulatory cushion; insurance describes guaranteed protection.

Tier-Wide Snapshot in Kentucky

Banks in this grade tier	43
Combined assets	$28.1B
Average composite score	88/100
Average Tier 1 capital ratio	18.29%
Average NPL ratio	0.44%

All A-Graded Banks in Kentucky

#	Bank	City	Score	Assets	Tier 1 Capital	NPL Ratio	Liquidity
1	Hart County Bank&Trust Co	Munfordville	99	$26M	38.42%	0.00%	29.39%
2	Kentucky Farmers Bank Corp	Catlettsburg	99	$278M	27.28%	0.08%	36.42%
3	Bank of Clarkson	Clarkson	98	$165M	20.23%	0.02%	29.55%
4	Salyersville National Bank	Salyersville	98	$141M	25.29%	0.11%	41.10%
5	Peoples Bank Mt Washington	Mount Washington	96	$115M	14.09%	0.00%	35.06%
6	Sacramento Deposit Bank	Sacramento	96	$136M	15.18%	0.42%	34.02%
7	Bank of Maysville	Maysville	96	$157M	29.04%	0.00%	43.92%
8	Citizens Bank	Morehead	95	$204M	14.28%	0.07%	29.82%
9	Elkton Bank&Trust Co	Elkton	95	$193M	23.51%	0.05%	54.86%
10	Independent Correspondent Ba	Frankfort	95	$145M	20.79%	0.00%	43.46%
11	Citizens Nb of Somerset	Somerset	94	$607M	15.20%	0.28%	44.13%
12	Bank of Cadiz&Trust Co	Cadiz	93	$133M	17.89%	0.33%	44.14%
13	First Southern National Bank	Lancaster	93	$1.2B	14.76%	0.98%	32.91%
14	Citizens Bank of Ky INC	Paintsville	93	$668M	22.23%	0.42%	41.91%
15	Citizens Nb of Lebanon	Lebanon	93	$159M	28.65%	0.15%	66.80%
16	Traditional Bank INC	Mount Sterling	92	$2.3B	14.32%	0.14%	32.50%
17	Cumberland Security Bank INC	Somerset	89	$353M	16.48%	0.07%	19.21%
18	Wilson&Muir Bank&Trust Co	Bardstown	89	$771M	12.13%	0.48%	33.91%
19	First Kentucky Bank INC	Mayfield	89	$576M	12.83%	0.11%	35.57%
20	Bank of Edmonson County	Brownsville	89	$279M	15.53%	0.69%	25.89%
21	Clinton Bank	Clinton	89	$66M	25.37%	0.89%	33.96%
22	Casey County Bank INC	Liberty	88	$391M	12.23%	0.37%	49.05%
23	First&Farmers Nb INC	Somerset	88	$659M	13.48%	0.24%	27.05%
24	Murray Bank	Murray	86	$497M	12.80%	0.07%	26.68%
25	Farmers Bank of Milton	Milton	85	$307M	17.81%	0.96%	27.57%
26	Paducah Bank&Trust Co	Paducah	85	$963M	13.64%	0.05%	21.77%
27	Cumberland Valley Nb&T Co	London	85	$736M	13.14%	0.74%	28.91%
28	Lincoln Nb of Hodgenville	Hodgenville	84	$419M	21.54%	0.38%	17.46%
29	Hyden Citizens Bank	Hyden	84	$143M	11.72%	0.24%	40.73%
30	Farmers&Traders Bk Campton	Campton	84	$66M	11.46%	0.33%	42.42%
31	Independence Bank of Ky	Owensboro	84	$3.7B	11.41%	0.10%	42.70%
32	Commercial Bank of Grayson	Grayson	83	$225M	18.17%	2.16%	36.24%
33	Citizens Fs&La	Covington	83	$41M	57.44%	0.11%	21.64%
34	Heritage Bank INC	Erlanger	83	$1.7B	10.47%	0.20%	31.65%
35	Farmers Nb of Danville	Danville	82	$940M	12.34%	0.59%	24.22%
36	Bank of Hindman	Hindman	82	$263M	15.16%	1.66%	49.19%
37	Hometown Bank of Corbin INC	Corbin	82	$279M	12.10%	0.59%	32.98%
38	Republic Bank&Trust Co	Louisville	81	$6.6B	14.76%	0.39%	14.39%
39	First Nb of Manchester	Manchester	81	$216M	13.46%	0.98%	24.69%
40	Bank of Lexington INC	Lexington	81	$342M	16.84%	0.04%	14.83%
41	Bedford Loan&Deposit Bank	Bedford	80	$114M	24.42%	2.41%	28.88%
42	Peoples Bank of Kentucky INC	Flemingsburg	80	$509M	14.00%	1.00%	19.90%
43	United Citizens Bank of S Ky	Columbia	80	$250M	14.75%	0.25%	11.88%

For Depositors at A-Graded Banks

FDIC insurance — not the bank's grade — guarantees deposits up to $250,000 per depositor, per insured bank, per ownership category. Verify your bank's status and your specific coverage at FDIC.gov. The Bank Health Score and grade describe regulatory cushion in relative terms; insurance describes guaranteed protection.

For combined balances above $250,000 at a single bank, the FDIC's Electronic Deposit Insurance Estimator (EDIE) calculates exactly which dollars are insured. Account titling — joint, individual, retirement, payable-on-death — affects coverage. Federal regulators including the OCC publish the rules; FDIC.gov is the authoritative consumer source.

How These Grades Are Calculated

Every bank earns a Bank Health Score from four FDIC Call Report inputs: Tier 1 capital ratio (35%), NPL ratio inverted (30%), liquidity ratio (25%), and return on assets (10%). The 0–100 composite maps to A (80+), B (65–79), C (50–64), D (35–49), and F (under 35). Data flows from the FDIC BankFind API and the FFIEC Call Report archive. Read the full methodology.

Frequently Asked Questions

What does a A grade mean for a bank?

How many A-graded banks are in Kentucky?

What does this tier look like financially?

Across 43 A-graded banks in Kentucky, the average Tier 1 capital ratio is 18.29% and the average nonperforming-loan ratio is 0.44%. Combined assets in this cohort total $28.1B. These numbers come straight from the most recent quarterly FDIC Call Report.

Are deposits at A-graded banks still FDIC-insured?

Where does this data come from?

Bank financials are pulled from the FDIC BankFind API, which sources directly from quarterly Call Reports filed with the FFIEC. Health Scores are computed from a transparent four-factor formula using public Call Report fields. All FDIC and FFIEC data is U.S. government public domain.

All banks in Kentucky →All grade A banks nationwide →Healthiest Banks →Methodology →

Sources: FDIC BankFind API ( banks.data.fdic.gov); FFIEC Call Reports ( cdr.ffiec.gov/public); OCC ( occ.gov). Public domain.

Last updated 2026-04-06 · 43 A-graded banks in Kentucky. Informational only; not investment advice. Verify FDIC insurance directly at FDIC.gov.