--- title: Owner-Occupied CRE Lenders in Kentucky: 171 Hold These Loans url: https://lender.report/owner-occupied-cre-lenders/kentucky/ license: https://lender.report/license/ --- Owner-Occupied CRE ยท KY # Owner-Occupied CRE lenders in Kentucky 171 lenders with an office in Kentucky hold owner-occupied commercial real estate loans on their books. Stock Yards Bank & Trust Company, based in Kentucky, holds the largest book among those based here, at $1.3B. **Evidence** Lender holds owner-occupied commercial real estate 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** 171 FDIC call report, Jun 30, 2026 **Based here** 126 FDIC call report, Jun 30, 2026 **Held by those based here** $7.36B FDIC call report, Jun 30, 2026 +7.1% from a year earlier, 124 of 126 lenders **Median book, based here** $20.9M FDIC call report, Jun 30, 2026 Cite this Source: The Lender Report, Owner-Occupied CRE lenders in Kentucky, https://lender.report/owner-occupied-cre-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 owner-occupied CRE loans in Kentucky](https://lender.report/comps/?lane=cre_owner&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 | $1.27B | | | [Republic Bank & Trust Company](https://lender.report/lender/republic-bank-and-trust-ky/) | Bank | Louisville, KY | 29 | $695M | +8.8% | | [Community Trust Bank, Inc.](https://lender.report/lender/community-trust-bank-ky/) | Bank | Pikeville, KY | 69 | $378M | | | [Central Bank & Trust Co.](https://lender.report/lender/central-bank-and-trust-ky/) | Bank | Lexington, KY | 29 | $377M | +14.9% | | [Independence Bank of Kentucky](https://lender.report/lender/independence-bank-of-kentucky-ky/) | Bank | Owensboro, KY | 26 | $289M | +2.5% | | [South Central Bank, Inc.](https://lender.report/lender/south-central-bank-ky/) | Bank | Glasgow, KY | 26 | $244M | +31.2% | | [Heritage Bank, Inc.](https://lender.report/lender/heritage-bank-ky/) | Bank | Burlington, KY | 17 | $214M | +2.4% | | [Whitaker Bank](https://lender.report/lender/whitaker-bank-ky/) | Bank | Lexington, KY | 46 | $213M | +8.7% | | [Traditional Bank, Inc.](https://lender.report/lender/traditional-bank-ky/) | Bank | Mount Sterling, KY | 19 | $184M | +2.9% | | [Planters Bank, Inc.](https://lender.report/lender/planters-bank-ky/) | Bank | Hopkinsville, KY | 9 | $134M | | | [Community Financial Services Bank](https://lender.report/lender/community-financial-services-bank-ky/) | Bank | Benton, KY | 8 | $124M | +6.0% | | [The Paducah Bank and Trust Company](https://lender.report/lender/paducah-bank-and-trust-ky/) | Bank | Paducah, KY | 6 | $120M | | | [Forcht Bank, National Association](https://lender.report/lender/forcht-bank-ky/) | Bank | Lexington, KY | 22 | $120M | +0.0% | | [Edmonton State Bank](https://lender.report/lender/edmonton-state-bank-ky/) | Bank | Glasgow, KY | 15 | $113M | +23.8% | | [The Cecilian Bank](https://lender.report/lender/cecilian-bank-ky/) | Bank | Cecilia, KY | 19 | $105M | | | [The Monticello Banking Company](https://lender.report/lender/monticello-banking-ky/) | Bank | Monticello, KY | 21 | $99.9M | +3.4% | | [Franklin Bank & Trust Company](https://lender.report/lender/franklin-bank-and-trust-ky/) | Bank | Franklin, KY | 5 | $96.8M | +14.7% | | [First Southern National Bank](https://lender.report/lender/first-southern-national-bank-ky/) | Bank | Lancaster, KY | 17 | $96.3M | +21.9% | | [Cumberland Valley National Bank & Trust Company](https://lender.report/lender/cumberland-valley-national-bank-and-trust-ky/) | Bank | London, KY | 14 | $92.6M | +4.0% | | [FNB Bank, Inc.](https://lender.report/lender/fnb-bank-ky/) | Bank | Mayfield, KY | 11 | $86.1M | +22.0% | FDIC call report, Jun 30, 2026 [See all 171 owner-occupied CRE lenders in Kentucky in Loan Comps](https://lender.report/comps/?lane=cre_owner&state=KY) | Lender | Kind | Based in | Offices here | Holds, nationwide | | --- | --- | --- | --- | --- | | [Bank of America, National Association](https://lender.report/lender/bank-of-america-nc/) | Bank | Charlotte, NC | 8 | $24.7B | | [Truist Bank](https://lender.report/lender/truist-bank-nc/) | Bank | Charlotte, NC | 53 | $17.8B | | [JPMorgan Chase Bank, National Association](https://lender.report/lender/jpmorgan-chase-bank-oh/) | Bank | Columbus, OH | 46 | $14.4B | | [The Huntington National Bank](https://lender.report/lender/huntington-national-bank-oh/) | Bank | Columbus, OH | 10 | $13.3B | | [Fifth Third Bank, National Association](https://lender.report/lender/fifth-third-bank-oh/) | Bank | Cincinnati, OH | 68 | $12.0B | | [PNC Bank, National Association](https://lender.report/lender/pnc-bank-de/) | Bank | Wilmington, DE | 67 | $10.4B | | [Pinnacle Bank](https://lender.report/lender/pinnacle-bank-tn/) | Bank | Nashville, TN | 4 | $9.45B | | [U.S. Bank National Association](https://lender.report/lender/u-s-bank-oh/) | Bank | Cincinnati, OH | 69 | $9.01B | | [Old National Bank](https://lender.report/lender/old-national-bank-in/) | Bank | Evansville, IN | 11 | $5.97B | | [Regions Bank](https://lender.report/lender/regions-bank-al/) | Bank | Birmingham, AL | 9 | $5.38B | FDIC call report, Jun 30, 2026 - 126 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, 5 savings institutions and 24 credit unions. FDIC call report, Jun 30, 2026 - Lenders based in Kentucky hold $7.4B of owner-occupied commercial real estate loans, up 7.1% from a year earlier among the 124 of 126 with a comparable earlier filing. FDIC call report, Jun 30, 2026 - The five largest books based here hold 41.0% of that total. FDIC call report, Jun 30, 2026 - Stock Yards Bank & Trust Company holds $1.3B, and Republic Bank & Trust Company holds $694.8M. FDIC call report, Jun 30, 2026 - The median book among lenders based in Kentucky is $20.9M. FDIC call report, Jun 30, 2026 - 45 lenders based here grew this book by 10% or more in the year to June 30, 2026. FDIC call report, Jun 30, 2026 - 15 lenders based here hold $100M or more of it. FDIC call report, Jun 30, 2026 - These lenders list 1,623 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 $495K. NCUA 5300, Jun 30, 2026 - Independent Correspondent Bankers' Bank, Inc. grew this book the most in the year, up 58.0% to $12.9M. FDIC call report, Jun 30, 2026 ## How this list is defined **Measure** owner-occupied commercial real estate loans held by lenders with an office in Kentucky **Period** June 30, 2026 **Formula** The balance of owner-occupied commercial real estate 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. Owner-occupied commercial real estate is property a business uses itself, such as its own plant, shop or office. It is often tied to the business loan. 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 owner-occupied commercial real estate 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.