--- title: Construction Lenders in Kentucky: 170 Hold These Loans url: https://lender.report/construction-lenders/kentucky/ license: https://lender.report/license/ --- Construction ยท KY # Construction lenders in Kentucky 170 lenders with an office in Kentucky hold construction and land loans on their books. Stock Yards Bank & Trust Company, based in Kentucky, holds the largest book among those based here, at $771.1M. **Evidence** Lender holds construction and land loans on its books at the latest filing and has an office in Kentucky **Data as of** June 30, 2026 **Page last changed** November 11, 2026 **Lenders with an office here** 170 FDIC call report, Jun 30, 2026 **Based here** 125 FDIC call report, Jun 30, 2026 **Held by those based here** $5.33B FDIC call report, Jun 30, 2026 +0.6% from a year earlier, 124 of 125 lenders **Median book, based here** $15.6M FDIC call report, Jun 30, 2026 Cite this Source: The Lender Report, Construction lenders in Kentucky, https://lender.report/construction-lenders/kentucky/, data as of June 30, 2026. ## Describe a deal in Kentucky See which of these lenders made loans like yours, at your size and in your place. No account and no form. [Show construction loans in Kentucky](https://lender.report/comps/?lane=construction&state=KY)[On this list? Find your page](https://lender.report/for-lenders/?from=market) | Lender | Kind | Based in | Offices here | Holds | Growth, 12 months | | --- | --- | --- | --- | --- | --- | | [Stock Yards Bank & Trust Company](https://lender.report/lender/stock-yards-bank-and-trust-ky/) | Bank | Louisville, KY | 68 | $771M | | | [Community Trust Bank, Inc.](https://lender.report/lender/community-trust-bank-ky/) | Bank | Pikeville, KY | 69 | $318M | +12.4% | | [Central Bank & Trust Co.](https://lender.report/lender/central-bank-and-trust-ky/) | Bank | Lexington, KY | 29 | $286M | | | [Traditional Bank, Inc.](https://lender.report/lender/traditional-bank-ky/) | Bank | Mount Sterling, KY | 19 | $263M | +40.4% | | [Planters Bank, Inc.](https://lender.report/lender/planters-bank-ky/) | Bank | Hopkinsville, KY | 9 | $224M | | | [Republic Bank & Trust Company](https://lender.report/lender/republic-bank-and-trust-ky/) | Bank | Louisville, KY | 29 | $215M | | | [South Central Bank, Inc.](https://lender.report/lender/south-central-bank-ky/) | Bank | Glasgow, KY | 26 | $170M | +12.1% | | [American Bank & Trust Company, Inc.](https://lender.report/lender/american-bank-and-trust-ky/) | Bank | Bowling Green, KY | 6 | $167M | | | [Heritage Bank, Inc.](https://lender.report/lender/heritage-bank-ky/) | Bank | Burlington, KY | 17 | $167M | | | [Whitaker Bank](https://lender.report/lender/whitaker-bank-ky/) | Bank | Lexington, KY | 46 | $154M | +27.0% | | [Independence Bank of Kentucky](https://lender.report/lender/independence-bank-of-kentucky-ky/) | Bank | Owensboro, KY | 26 | $119M | +11.0% | | [Edmonton State Bank](https://lender.report/lender/edmonton-state-bank-ky/) | Bank | Glasgow, KY | 15 | $107M | | | [River City Bank, Inc.](https://lender.report/lender/river-city-bank-ky/) | Bank | Louisville, KY | 6 | $101M | | | [West Point Bank](https://lender.report/lender/west-point-bank-ky/) | Bank | Radcliff, KY | 5 | $94.5M | | | [Franklin Bank & Trust Company](https://lender.report/lender/franklin-bank-and-trust-ky/) | Bank | Franklin, KY | 5 | $90.6M | +9.7% | | [The Monticello Banking Company](https://lender.report/lender/monticello-banking-ky/) | Bank | Monticello, KY | 21 | $84.8M | | | [The Cecilian Bank](https://lender.report/lender/cecilian-bank-ky/) | Bank | Cecilia, KY | 19 | $81.4M | | | [The Paducah Bank and Trust Company](https://lender.report/lender/paducah-bank-and-trust-ky/) | Bank | Paducah, KY | 6 | $79.9M | +47.7% | | [Farmers Bank and Trust Company](https://lender.report/lender/farmers-bank-and-trust-ky-marion/) | Bank | Marion, KY | 10 | $75.0M | | | [Meade County Bank](https://lender.report/lender/meade-county-bank-ky/) | Bank | Brandenburg, KY | 4 | $70.3M | | FDIC call report, Jun 30, 2026 [See all 170 construction lenders in Kentucky in Loan Comps](https://lender.report/comps/?lane=construction&state=KY) | Lender | Kind | Based in | Offices here | Holds, nationwide | | --- | --- | --- | --- | --- | | [JPMorgan Chase Bank, National Association](https://lender.report/lender/jpmorgan-chase-bank-oh/) | Bank | Columbus, OH | 46 | $18.8B | | [Bank of America, National Association](https://lender.report/lender/bank-of-america-nc/) | Bank | Charlotte, NC | 8 | $9.68B | | [U.S. Bank National Association](https://lender.report/lender/u-s-bank-oh/) | Bank | Cincinnati, OH | 69 | $9.38B | | [Fifth Third Bank, National Association](https://lender.report/lender/fifth-third-bank-oh/) | Bank | Cincinnati, OH | 68 | $7.97B | | [Truist Bank](https://lender.report/lender/truist-bank-nc/) | Bank | Charlotte, NC | 53 | $7.61B | | [Pinnacle Bank](https://lender.report/lender/pinnacle-bank-tn/) | Bank | Nashville, TN | 4 | $5.89B | | [The Huntington National Bank](https://lender.report/lender/huntington-national-bank-oh/) | Bank | Columbus, OH | 10 | $5.32B | | [PNC Bank, National Association](https://lender.report/lender/pnc-bank-de/) | Bank | Wilmington, DE | 67 | $5.26B | | [Citizens Bank, National Association](https://lender.report/lender/citizens-bank-ri/) | Bank | Providence, RI | 1 | $4.75B | | [Regions Bank](https://lender.report/lender/regions-bank-al/) | Bank | Birmingham, AL | 9 | $2.81B | FDIC call report, Jun 30, 2026 - 125 of these lenders are based in Kentucky, and 45 are based elsewhere with offices here. FDIC call report, Jun 30, 2026 - These lenders: 142 banks, 9 savings institutions and 19 credit unions. FDIC call report, Jun 30, 2026 - Lenders based in Kentucky hold $5.3B of construction and land loans, up 0.6% from a year earlier among the 124 of 125 with a comparable earlier filing. FDIC call report, Jun 30, 2026 - The five largest books based here hold 34.9% of that total. FDIC call report, Jun 30, 2026 - Stock Yards Bank & Trust Company holds $771.1M, and Community Trust Bank, Inc. holds $318.2M. FDIC call report, Jun 30, 2026 - The median book among lenders based in Kentucky is $15.6M. FDIC call report, Jun 30, 2026 - 50 lenders based here grew this book by 10% or more in the year to June 30, 2026. FDIC call report, Jun 30, 2026 - 13 lenders based here hold $100M or more of it. FDIC call report, Jun 30, 2026 - These lenders list 1,609 offices in Kentucky. FDIC office list, Oct 28, 2026 - U.S. Bank National Association, based in Ohio, lists the most offices here among out-of-state lenders, at 69. FDIC office list, Oct 28, 2026 - Among credit unions here, the median average loan in this category is $901K. NCUA 5300, Jun 30, 2026 - First Kentucky Bank, Inc. grew this book the most in the year, up 71.9% to $26.5M. FDIC call report, Jun 30, 2026 ## How this list is defined **Measure** construction and land loans held by lenders with an office in Kentucky **Period** June 30, 2026 **Formula** The balance of construction and land loans on the lender's June 30, 2026 filing, for a lender with an office in Kentucky. A balance held, not loans made. **Order** Largest first by the book held at the latest filing, then name. Payment is not part of the order. **As of** June 30, 2026 **Source** [FDIC call report](https://api.fdic.gov/banks/financials) **Changelog** November 12, 2026: First published, with the data built on this date. Construction and land development loans finance building and site work, for homes and for commercial projects. Banks report them in one balance. Call reports give one balance per institution, not by state, and they carry balances, not loans made. The figure shown is the whole institution's book. Growth appears only where a book grew over the 12 months. Each lender's own page has its full record. A lender counts here if it holds construction and land loans on its books at the latest filing and has an office in Kentucky. Lenders that merged or stopped filing are left out. Source and date appear beside each figure. Banks report balances, not loans made. Loans made come only from HMDA and SBA files. We do not audit filings and can make errors joining them. [Report a problem](https://lender.report/report/) Figures come from public records and show the source and date beside them. Public records can be late, incomplete or wrong. A past loan does not mean a lender will make the same kind of loan today. Confirm anything important with the lender.