State Rankings & Insights
See how banks across KENTUCKY rank on Efficiency Ratio for 2024Q4. Values are reported in percentage terms as of 2024-12-31. Browse the table below or jump directly to an institution’s call‑report profile.
- Average: 68.25%
- Median: 65.73%
- Min / Max: 34.83% — 131.46%
Top banks by Efficiency Ratio in KENTUCKY
Count
121
Sum
8257.74%
Avg
68.25%
Median
65.73%
Min
34.83%
Max
131.46%
| Bank | City | Efficiency Ratio |
|---|---|---|
| COMMONWEALTH CMTY BANK INC | HARTFORD | 131.46% |
| HOME SAVINGS BANK FSB | LUDLOW | 118.18% |
| ECLIPSE BANK INC | LOUISVILLE | 107.22% |
| FIRST&PEOPLES BANK&TRUST CO | RUSSELL | 99.87% |
| CITIZENS FS&LA | COVINGTON | 98.10% |
| FIRST FS&LA | MOREHEAD | 97.67% |
| FIRST FSB OF KENTUCKY | FRANKFORT | 94.88% |
| MAGNOLIA BANK INC | ELIZABETHTOWN | 94.57% |
| CITIZENS BANK | MOREHEAD | 93.12% |
| BLUE GRASS FS&LA | PARIS | 91.28% |
| BANK OF HINDMAN | HINDMAN | 89.48% |
| CARROLLTON FEDERAL BANK | CARROLLTON | 89.44% |
| FORCHT BANK NATIONAL ASSN | LEXINGTON | 87.86% |
| PEOPLES B&T CO OF HAZARD | HAZARD | 87.02% |
| FIRST NB OF MANCHESTER | MANCHESTER | 86.08% |
| FIRST FS&LA | HAZARD | 85.24% |
| HOMETOWN BANK OF CORBIN INC | CORBIN | 82.04% |
| FIRST STB OF THE SE INC | MIDDLESBORO | 81.69% |
| FIRST NB OF BROOKSVILLE | BROOKSVILLE | 81.59% |
| FIRST CMTY BK HEARTLAND INC | CLINTON | 80.73% |
| RIVER CITY BANK INC | LOUISVILLE | 80.39% |
| OWINGSVILLE BANKING CO | OWINGSVILLE | 76.80% |
| 1ST TRUST BANK INC | HAZARD | 76.67% |
| BANK OF LEXINGTON INC | LEXINGTON | 76.59% |
| HEARTHSIDE BANK CORP | MIDDLESBORO | 76.34% |
| FARMERS BANK OF MILTON | MILTON | 76.19% |
| CENTRAL BANK&TRUST CO | LEXINGTON | 76.03% |
| MORGANTOWN BANK&TRUST CO INC | MORGANTOWN | 75.94% |
| PEOPLES BANK | MARION | 74.87% |
| FARMERS NB OF DANVILLE | DANVILLE | 74.28% |
| FREDONIA VALLEY BANK | FREDONIA | 74.11% |
| INDEPENDENCE BANK OF KY | OWENSBORO | 74.03% |
| FARMERS NB OF LEBANON | LEBANON | 73.93% |
| INDEPENDENT CORRESPONDENT BA | FRANKFORT | 73.67% |
| BEDFORD LOAN&DEPOSIT BANK | BEDFORD | 72.98% |
| FIRST NB OF KENTUCKY | CARROLLTON | 72.56% |
| CITIZENS B&T CO OF JACKSON | JACKSON | 72.17% |
| CUMBERLAND VALLEY NB&T CO | LONDON | 72.16% |
| CITIZENS NB OF LEBANON | LEBANON | 71.69% |
| PEOPLES BANK MT WASHINGTON | MOUNT WASHINGTON | 71.45% |
| COMMUNITY FINL SERVICES BK | BENTON | 71.32% |
| FIELD&MAIN BANK | HENDERSON | 71.25% |
| FIRST KENTUCKY BANK INC | MAYFIELD | 70.69% |
| COMMERCIAL BANK OF GRAYSON | GRAYSON | 70.63% |
| HYDEN CITIZENS BANK | HYDEN | 70.00% |
| MONTICELLO BANKING CO | MONTICELLO | 69.91% |
| PINNACLE BANK INC | PIKEVILLE | 69.71% |
| CITIZENS GUARANTY BANK | RICHMOND | 69.69% |
| COMMERCIAL BANK | WEST LIBERTY | 69.61% |
| CITIZENS BANK | MOUNT VERNON | 69.39% |
| CITIZENS BANK OF KY INC | PAINTSVILLE | 69.38% |
| FIRST SOUTHERN NATIONAL BANK | LANCASTER | 69.34% |
| FIRST UNITED BANK&TRUST CO | MADISONVILLE | 68.78% |
| LEWISBURG BANKING CO | LEWISBURG | 68.14% |
| CLINTON BANK | CLINTON | 67.64% |
| CITIZENS BANK | HICKMAN | 67.23% |
| BANK OF CADIZ&TRUST CO | CADIZ | 67.15% |
| CITIZENS BANK&TRUST CO | CAMPBELLSVILLE | 66.67% |
| FNB BANK INC | MAYFIELD | 66.51% |
| FARMERS BANK&TRUST CO | PRINCETON | 65.76% |
| PEOPLES BANK | LEBANON | 65.73% |
| PEOPLES EXCHANGE BANK | WINCHESTER | 65.64% |
| PBK BANK INC | STANFORD | 65.62% |
| UNITED SOUTHERN BANK | HOPKINSVILLE | 65.25% |
| BANK OF THE MOUNTAINS INC | WEST LIBERTY | 65.03% |
| PEOPLES BANK | TAYLORSVILLE | 64.94% |
| TOWN&COUNTRY BANK&TRUST CO | BARDSTOWN | 64.79% |
| BANK OF THE BLUEGRASS&TR CO | LEXINGTON | 64.09% |
| FARMERS&TRADERS BK CAMPTON | CAMPTON | 63.53% |
| AMERICAN BANK&TRUST CO INC | BOWLING GREEN | 63.34% |
| PADUCAH BANK&TRUST CO | PADUCAH | 63.02% |
| FARMERS BANK&TRUST CO | MARION | 62.78% |
| WEST POINT BANK | RADCLIFF | 62.47% |
| BANK OF BUFFALO | BUFFALO | 62.33% |
| KENTUCKY FARMERS BANK CORP | CATLETTSBURG | 62.08% |
| TRADITIONAL BANK INC | MOUNT STERLING | 62.03% |
| WHITAKER BANK | LEXINGTON | 61.86% |
| FARMERS STATE BANK | BOONEVILLE | 60.94% |
| MEADE COUNTY BANK | BRANDENBURG | 60.52% |
| BANK OF JAMESTOWN | JAMESTOWN | 60.11% |
| CITIZENS NB OF SOMERSET | SOMERSET | 60.10% |
| FARMERS BANK | NICHOLASVILLE | 60.00% |
| CECILIAN BANK | CECILIA | 59.49% |
| CENTURY BANK OF KENTUCKY INC | LAWRENCEBURG | 59.47% |
| AUBURN BANKING CO | AUBURN | 59.18% |
| REPUBLIC BANK&TRUST CO | LOUISVILLE | 58.96% |
| MURRAY BANK | MURRAY | 58.86% |
| UNITED CITIZENS B&T CO | CAMPBELLSBURG | 58.83% |
| SACRAMENTO DEPOSIT BANK | SACRAMENTO | 58.65% |
| HART COUNTY BANK&TRUST CO | MUNFORDVILLE | 58.27% |
| UNITED CUMBERLAND BANK | WHITLEY CITY | 58.22% |
| PEOPLES BANK OF KENTUCKY INC | FLEMINGSBURG | 58.14% |
| UNITED CMTY BANK OF W KY INC | MORGANFIELD | 58.01% |
| BANK OF MAYSVILLE | MAYSVILLE | 57.87% |
| BANK OF EDMONSON COUNTY | BROWNSVILLE | 57.67% |
| FIRST&FARMERS NB INC | SOMERSET | 57.25% |
| CITIZENS DEP BK ARLINGTON | ARLINGTON | 57.10% |
| SOUTH CENTRAL BANK INC | GLASGOW | 57.09% |
| UNITED CITIZENS BANK OF S KY | COLUMBIA | 56.94% |
| HERITAGE BANK INC | ERLANGER | 56.71% |
| TAYLOR COUNTY BANK | CAMPBELLSVILLE | 56.11% |
| ELKTON BANK&TRUST CO | ELKTON | 55.83% |
| BANK OF CLARKSON | CLARKSON | 55.66% |
| CASEY COUNTY BANK INC | LIBERTY | 55.05% |
| PLANTERS BANK INC | HOPKINSVILLE | 54.28% |
| CITIZENS BK CUMBERLAND CNTY | BURKESVILLE | 54.14% |
| SECURITY BANK&TRUST CO | MAYSVILLE | 54.03% |
| LINCOLN NB OF HODGENVILLE | HODGENVILLE | 53.99% |
| FIRST NB OF GRAYSON | GRAYSON | 53.19% |
| BANK OF COLUMBIA | COLUMBIA | 52.76% |
| STOCK YARDS BANK&TRUST CO | LOUISVILLE | 52.58% |
| SALYERSVILLE NATIONAL BANK | SALYERSVILLE | 52.53% |
| SPRINGFIELD STATE BANK | SPRINGFIELD | 51.29% |
| FIRST NB OF RUSSELL SPRINGS | RUSSELL SPRINGS | 50.19% |
| EDMONTON STATE BANK | GLASGOW | 50.18% |
| JACKSON COUNTY BANK | MC KEE | 49.59% |
| COMMUNITY TRUST BANK INC | PIKEVILLE | 49.28% |
| WILSON&MUIR BANK&TRUST CO | BARDSTOWN | 49.12% |
| FRANKLIN BANK&TRUST CO | FRANKLIN | 48.38% |
| FIRST STATE BANK | IRVINGTON | 42.65% |
| CUMBERLAND SECURITY BANK INC | SOMERSET | 34.83% |