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FDIC Call Report Analysis

Which Kentucky Banks Are Actually Growing Their CRE Book — And Who To Call

65 institutions qualified in Kentucky: at least one branch in the state (FDIC SOD 2025) and a CRE book of $100m or more. Figures below are institution-level and unprorated — a bank lending in multiple states shows its full CRE book on every state page where it qualifies, not a state-prorated share.

Largest CRE Books, Headquartered in Kentucky

10 of 39 Kentucky-headquartered institutions.

#InstitutionCRE bookContact
1Stock Yards Bank & Trust Company
Louisville · FDIC Cert #258
$2.84bnContact available
2Community Trust Bank, Inc.
Pikeville · FDIC Cert #2720
$1.51bnContact available
3Republic Bank & Trust Company
Louisville · FDIC Cert #23627
$1.41bnContact available
4Central Bank & Trust Co.
Lexington · FDIC Cert #15815
$1.38bnNo contact yet
5Traditional Bank, Inc.
Mount Sterling · FDIC Cert #2711
$751mContact available
6South Central Bank, Inc.
Glasgow · FDIC Cert #5854
$675mContact available
7Planters Bank, Inc.
Hopkinsville · FDIC Cert #34254
$663mContact available
8Heritage Bank, Inc.
Burlington · FDIC Cert #33119
$583mContact available
9Independence Bank of Kentucky
Owensboro · FDIC Cert #8136
$562mContact available
10Forcht Bank, National Association
Lexington · FDIC Cert #57415
$372mContact available

Fastest Growing

Top 10 by organic growth. Percent organic growth over four quarters, with a $250m prior-quarter book floor; shrinking institutions are excluded.

#InstitutionOrganic growthContact
1Banterra Bank
Marion · FDIC Cert #17514
+18.4% +$112mNo contact yet
2Traditional Bank, Inc.
Mount Sterling · FDIC Cert #2711
+16.9% +$109mContact available
3Community Trust Bank, Inc.
Pikeville · FDIC Cert #2720
+16.3% +$211mContact available
4Central Bank & Trust Co.
Lexington · FDIC Cert #15815
+14.9% +$180mNo contact yet
5The Park National Bank
Newark · FDIC Cert #6653
+11.2% +$220mContact available
6First Financial Bank, National Association
Terre Haute · FDIC Cert #4382
+10.6% +$161mContact available
7Commercial Bank
Harrogate · FDIC Cert #22354
+9.5% +$73mContact available
8Regions Bank
Birmingham · FDIC Cert #12368
+9.0% +$902mContact available
9Stock Yards Bank & Trust Company
Louisville · FDIC Cert #258
+8.6% +$226mContact available
10South Central Bank, Inc.
Glasgow · FDIC Cert #5854
+4.8% +$31mContact available

National and Regional Lenders with Branches Here

Top 20 by CRE book size.

#InstitutionCRE bookContact
1Bank of America, National Association
Charlotte · FDIC Cert #3510
$55.21bnContact available
2U.S. Bank National Association
Cincinnati · FDIC Cert #6548
$41.71bnContact available
3PNC Bank, National Association
Wilmington · FDIC Cert #6384
$36.76bnContact available
4Truist Bank
Charlotte · FDIC Cert #9846
$33.24bnContact available
5Pinnacle Bank
Nashville · FDIC Cert #35583
$27.34bnContact available
6The Huntington National Bank
Columbus · FDIC Cert #6560
$24.60bnContact available
7Fifth Third Bank, National Association
Cincinnati · FDIC Cert #6672
$21.58bnContact available
8Old National Bank
Evansville · FDIC Cert #3832
$17.06bnContact available
9Regions Bank
Birmingham · FDIC Cert #12368
$10.87bnContact available
10WesBanco Bank, Inc.
Wheeling · FDIC Cert #803
$7.73bnContact available
11FirstBank
Nashville · FDIC Cert #8663
$4.94bnContact available
12Burke & Herbert Bank & Trust Company
Alexandria · FDIC Cert #11578
$4.35bnContact available
13First Financial Bank
Cincinnati · FDIC Cert #6600
$3.90bnContact available
14Stock Yards Bank & Trust Company
Louisville · FDIC Cert #258
$2.84bnContact available
15The Park National Bank
Newark · FDIC Cert #6653
$2.81bnContact available
16German American Bank
Jasper · FDIC Cert #17393
$2.20bnContact available
17Woodforest National Bank
The Woodlands · FDIC Cert #23220
$2.08bnContact available
18First Financial Bank, National Association
Terre Haute · FDIC Cert #4382
$1.82bnContact available
19Peoples Bank
Marietta · FDIC Cert #6544
$1.72bnNo contact yet
20Community Trust Bank, Inc.
Pikeville · FDIC Cert #2720
$1.51bnContact available

National institutions

These institutions also clear the state’s qualifying population test — at least one branch presence and a CRE book of $100m or more — but are not evaluated for state relationship-lending purposes and carry no contact: JPMorgan Chase Bank, National Association (FDIC Cert #628).


Sources. FDIC Call Reports and FDIC Summary of Deposits. The qualifying population excludes de novo institutions, excludes any quarter carrying a >40% QoQ reversal in its CRE book, and requires a CRE book of $100m or more — no deposit-share floor is applied to the qualifying population. The page carries two CRE book size rankings drawn from that same qualifying population, on the same basis: one ranking the state’s largest CRE lenders regardless of where they are headquartered, one ranking the largest lenders headquartered in the state. An institution may appear in both. Growth is percent organic growth over four quarters (30 June 2025 → 30 June 2026), excluding growth attributable to an acquisition, subject to a $250m prior-quarter book floor; institutions with negative organic growth are excluded from the growth list. Institutions with a prior-quarter CRE book above $25bn are also excluded from the growth list — growth at that scale is a national balance-sheet movement, not lending concentrated in any one state, and would otherwise crowd out real local growth on thin-population states. This ceiling applies to the growth list only; the same institutions still appear on the CRE book size rankings above, which rank nationally by design.

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