State Rankings & Insights
See how banks across KENTUCKY rank on Efficiency Ratio for 2025Q1. Values are reported in percentage terms as of 2025-03-31. Browse the table below or jump directly to an institution’s call‑report profile.
- Average: 68.10%
- Median: 64.77%
- Min / Max: 37.16% — 119.27%
Top banks by Efficiency Ratio in KENTUCKY
HOME SAVINGS BANK FSB – LUDLOWFIRST&PEOPLES BANK&TRUST CO – RUSSELLECLIPSE BANK INC – LOUISVILLEFORCHT BANK NATIONAL ASSN – LEXINGTONCITIZENS FS&LA – COVINGTONMAGNOLIA BANK INC – ELIZABETHTOWNFIRST FSB OF KENTUCKY – FRANKFORTFIRST FS&LA – HAZARDCOMMONWEALTH CMTY BANK INC – HARTFORDFIRST FS&LA – MOREHEAD
Count
121
Sum
8239.64%
Avg
68.10%
Median
64.77%
Min
37.16%
Max
119.27%
| Bank | City | Efficiency Ratio |
|---|---|---|
| HOME SAVINGS BANK FSB | LUDLOW | 119.27% |
| FIRST&PEOPLES BANK&TRUST CO | RUSSELL | 114.28% |
| ECLIPSE BANK INC | LOUISVILLE | 106.31% |
| FORCHT BANK NATIONAL ASSN | LEXINGTON | 104.65% |
| CITIZENS FS&LA | COVINGTON | 99.09% |
| MAGNOLIA BANK INC | ELIZABETHTOWN | 98.88% |
| FIRST FSB OF KENTUCKY | FRANKFORT | 94.46% |
| FIRST FS&LA | HAZARD | 91.93% |
| COMMONWEALTH CMTY BANK INC | HARTFORD | 91.72% |
| FIRST FS&LA | MOREHEAD | 89.97% |
| RIVER CITY BANK INC | LOUISVILLE | 88.73% |
| PEOPLES B&T CO OF HAZARD | HAZARD | 87.46% |
| BANK OF HINDMAN | HINDMAN | 85.85% |
| BLUE GRASS FS&LA | PARIS | 85.60% |
| CARROLLTON FEDERAL BANK | CARROLLTON | 85.15% |
| HOMETOWN BANK OF CORBIN INC | CORBIN | 81.83% |
| FARMERS BANK OF MILTON | MILTON | 81.47% |
| FIRST NB OF BROOKSVILLE | BROOKSVILLE | 81.17% |
| HYDEN CITIZENS BANK | HYDEN | 80.94% |
| BANK OF CADIZ&TRUST CO | CADIZ | 80.62% |
| 1ST TRUST BANK INC | HAZARD | 78.49% |
| HEARTHSIDE BANK CORP | MIDDLESBORO | 78.36% |
| FIRST STB OF THE SE INC | MIDDLESBORO | 78.05% |
| PEOPLES BANK | MARION | 77.51% |
| CLINTON BANK | CLINTON | 77.41% |
| FREDONIA VALLEY BANK | FREDONIA | 77.13% |
| COMMERCIAL BANK OF GRAYSON | GRAYSON | 76.66% |
| CITIZENS B&T OF LEBANON INC | LEBANON | 76.65% |
| PINNACLE BANK INC | PIKEVILLE | 75.92% |
| FIRST CMTY BK HEARTLAND INC | CLINTON | 75.66% |
| FIRST NB OF KENTUCKY | CARROLLTON | 75.66% |
| CITIZENS GUARANTY BANK | RICHMOND | 75.48% |
| BEDFORD LOAN&DEPOSIT BANK | BEDFORD | 75.16% |
| INDEPENDENT CORRESPONDENT BA | FRANKFORT | 74.77% |
| INDEPENDENCE BANK OF KY | OWENSBORO | 74.63% |
| CITIZENS B&T CO OF JACKSON | JACKSON | 74.47% |
| FARMERS&TRADERS BK CAMPTON | CAMPTON | 74.40% |
| CITIZENS BANK OF KY INC | PAINTSVILLE | 74.15% |
| COMMUNITY FINL SERVICES BK | BENTON | 72.29% |
| BANK OF THE MOUNTAINS INC | WEST LIBERTY | 72.08% |
| FARMERS STATE BANK | BOONEVILLE | 72.01% |
| FIRST UNITED BANK&TRUST CO | MADISONVILLE | 71.88% |
| CENTRAL BANK&TRUST CO | LEXINGTON | 71.63% |
| FIRST KENTUCKY BANK INC | MAYFIELD | 71.05% |
| CITIZENS BANK | HICKMAN | 70.38% |
| CUMBERLAND VALLEY NB&T CO | LONDON | 69.88% |
| OWINGSVILLE BANKING CO | OWINGSVILLE | 69.88% |
| MORGANTOWN BANK&TRUST CO INC | MORGANTOWN | 69.45% |
| COMMERCIAL BANK | WEST LIBERTY | 69.13% |
| FIRST NB OF MANCHESTER | MANCHESTER | 68.81% |
| FARMERS NB OF LEBANON | LEBANON | 68.68% |
| MONTICELLO BANKING CO | MONTICELLO | 68.66% |
| PEOPLES EXCHANGE BANK | WINCHESTER | 68.37% |
| PEOPLES BANK MT WASHINGTON | MOUNT WASHINGTON | 67.35% |
| UNITED CITIZENS B&T CO | CAMPBELLSBURG | 67.25% |
| UNITED SOUTHERN BANK | HOPKINSVILLE | 66.90% |
| CITIZENS BANK | MOUNT VERNON | 66.78% |
| FARMERS BANK&TRUST CO | PRINCETON | 66.30% |
| HERITAGE BANK INC | ERLANGER | 65.76% |
| TOWN&COUNTRY BANK&TRUST CO | BARDSTOWN | 65.13% |
| CITIZENS BANK | MOREHEAD | 64.77% |
| FARMERS BANK | NICHOLASVILLE | 64.73% |
| FIELD&MAIN BANK | HENDERSON | 64.70% |
| LEWISBURG BANKING CO | LEWISBURG | 64.44% |
| FIRST SOUTHERN NATIONAL BANK | LANCASTER | 64.12% |
| WEST POINT BANK | RADCLIFF | 63.89% |
| CITIZENS BK CUMBERLAND CNTY | BURKESVILLE | 63.60% |
| CITIZENS BANK&TRUST CO | CAMPBELLSVILLE | 63.59% |
| TRADITIONAL BANK INC | MOUNT STERLING | 63.08% |
| KENTUCKY FARMERS BANK CORP | CATLETTSBURG | 62.88% |
| WHITAKER BANK | LEXINGTON | 62.70% |
| CITIZENS DEP BK ARLINGTON | ARLINGTON | 62.49% |
| PEOPLES BANK | TAYLORSVILLE | 62.42% |
| MEADE COUNTY BANK | BRANDENBURG | 62.05% |
| CITIZENS NB OF SOMERSET | SOMERSET | 62.01% |
| BANK OF MAYSVILLE | MAYSVILLE | 62.00% |
| PADUCAH BANK&TRUST CO | PADUCAH | 61.82% |
| CASEY COUNTY BANK INC | LIBERTY | 61.74% |
| PEOPLES BANK | LEBANON | 61.65% |
| BANK OF THE BLUEGRASS&TR CO | LEXINGTON | 60.81% |
| AUBURN BANKING CO | AUBURN | 60.72% |
| FNB BANK INC | MAYFIELD | 60.62% |
| UNITED CUMBERLAND BANK | WHITLEY CITY | 60.62% |
| ELKTON BANK&TRUST CO | ELKTON | 60.45% |
| AMERICAN BANK&TRUST CO INC | BOWLING GREEN | 60.29% |
| LINCOLN NB OF HODGENVILLE | HODGENVILLE | 60.06% |
| PBK BANK INC | STANFORD | 59.74% |
| CENTURY BANK OF KENTUCKY INC | LAWRENCEBURG | 59.47% |
| FARMERS BANK&TRUST CO | MARION | 59.44% |
| SOUTH CENTRAL BANK INC | GLASGOW | 58.39% |
| FARMERS NB OF DANVILLE | DANVILLE | 58.30% |
| SECURITY BANK&TRUST CO | MAYSVILLE | 58.06% |
| SACRAMENTO DEPOSIT BANK | SACRAMENTO | 57.80% |
| BANK OF EDMONSON COUNTY | BROWNSVILLE | 57.76% |
| TAYLOR COUNTY BANK | CAMPBELLSVILLE | 57.28% |
| FIRST NB OF RUSSELL SPRINGS | RUSSELL SPRINGS | 57.16% |
| CECILIAN BANK | CECILIA | 56.89% |
| BANK OF CLARKSON | CLARKSON | 56.76% |
| FIRST&FARMERS NB INC | SOMERSET | 56.50% |
| BANK OF LEXINGTON INC | LEXINGTON | 56.48% |
| FRANKLIN BANK&TRUST CO | FRANKLIN | 56.08% |
| BANK OF BUFFALO | BUFFALO | 55.98% |
| UNITED CMTY BANK OF W KY INC | MORGANFIELD | 55.56% |
| BANK OF JAMESTOWN | JAMESTOWN | 55.51% |
| PEOPLES BANK OF KENTUCKY INC | FLEMINGSBURG | 54.77% |
| SPRINGFIELD STATE BANK | SPRINGFIELD | 54.21% |
| FIRST NB OF GRAYSON | GRAYSON | 54.08% |
| PLANTERS BANK INC | HOPKINSVILLE | 53.08% |
| UNITED CITIZENS BANK OF S KY | COLUMBIA | 52.33% |
| STOCK YARDS BANK&TRUST CO | LOUISVILLE | 51.91% |
| JACKSON COUNTY BANK | MC KEE | 51.33% |
| SALYERSVILLE NATIONAL BANK | SALYERSVILLE | 51.01% |
| COMMUNITY TRUST BANK INC | PIKEVILLE | 49.96% |
| FIRST STATE BANK | IRVINGTON | 49.93% |
| BANK OF COLUMBIA | COLUMBIA | 49.75% |
| HART COUNTY BANK&TRUST CO | MUNFORDVILLE | 49.62% |
| MURRAY BANK | MURRAY | 49.12% |
| WILSON&MUIR BANK&TRUST CO | BARDSTOWN | 47.55% |
| EDMONTON STATE BANK | GLASGOW | 46.17% |
| REPUBLIC BANK&TRUST CO | LOUISVILLE | 42.66% |
| CUMBERLAND SECURITY BANK INC | SOMERSET | 37.16% |