These banks all reported apartment loans on their most recent federal call report, and all have at least one branch in Kentucky. Banks are the most common source of multifamily financing — five units and up, stabilised or value-add — and most lend close to their branches, so a lender with offices near your building is usually a better first call than a bigger name without them. Expect a bank to want recourse and, usually, a banking relationship; the capital guide compares the alternatives.
Banks Based in Kentucky, Largest Multifamily Books First
25 of 100 qualifying banks are headquartered in Kentucky. These are the lenders whose whole business is this market.
| # | Institution | Multifamily book | Share of investor CRE | Branches in KY | Contact |
|---|---|---|---|---|---|
| 1 | Stock Yards Bank & Trust Company | $547m | 19.3% | 68 | Contact available |
| 2 | Republic Bank | $377m | 26.7% | 29 | Contact available |
| 3 | Central Bank (Kentucky) | $344m | 24.9% | 29 | Contact available |
| 4 | Community Trust Bank, Inc. | $233m | 15.5% | 69 | Contact available |
| 5 | Planters Bank, Inc. | $195m | 29.4% | 9 | Contact available |
| 6 | Forcht Bank, National Association | $138m | 37.2% | 22 | Contact available |
| 7 | South Central Bank, Inc. | $118m | 17.4% | 26 | Contact available |
| 8 | Independence Bank of Kentucky | $104m | 18.4% | 26 | Contact available |
| 9 | Edmonton State Bank | $92m | 31.6% | 15 | Contact available |
| 10 | American Bank & Trust Company, Inc. | $87m | 23.9% | 6 | Contact available |
| 11 | Heritage Bank (Kentucky) | $78m | 13.4% | 17 | Contact available |
| 12 | The Monticello Banking Company | $74m | 25.8% | 21 | Contact available |
| 13 | Whitaker Bank | $70m | 20.8% | 46 | Contact available |
| 14 | Traditional Bank, Inc. | $58m | 7.7% | 19 | Contact available |
| 15 | The Cecilian Bank | $52m | 14.5% | 19 | Contact available |
| 16 | Franklin Bank & Trust Company | $51m | 19.4% | 5 | Contact available |
| 17 | Peoples Exchange Bank | $40m | 26.4% | 9 | Contact available |
| 18 | First Southern National Bank | $38m | 17.6% | 17 | Contact available |
| 19 | The Farmers National Bank of Danville | $38m | 17.6% | 15 | Contact available |
| 20 | United Community Bank of West Kentucky, Inc. | $36m | 46.0% | 7 | Contact available |
| 21 | Cumberland Valley National Bank & Trust Company | $36m | 17.3% | 14 | Contact available |
| 22 | Farmers Bank and Trust Company | $36m | 19.0% | 10 | Contact available |
| 23 | Bank of the Bluegrass and Trust Company | $35m | 30.6% | 5 | Contact available |
| 24 | Community Financial Services Bank | $32m | 23.8% | 8 | Contact available |
| 25 | First & Farmers National Bank, Inc. | $29m | 40.9% | 11 | Contact available |
National Lenders With Branches in Kentucky
25 of 33 qualifying banks are headquartered elsewhere but have offices here. The multifamily figure is their national book, so read it alongside the branch count — a large book behind a handful of local offices is a different proposition from a bank with a branch network in the state.
| # | Institution | Multifamily book | Share of investor CRE | Branches in KY | Contact |
|---|---|---|---|---|---|
| 1 | JPMorgan Chase Bank, National Association | $107.32bn | 64.9% | 46 | Contact available |
| 2 | PNC Real Estate | $14.98bn | 40.8% | 67 | Contact available |
| 3 | US Bank | $14.46bn | 34.7% | 69 | Contact available |
| 4 | Truist | $8.65bn | 26.0% | 53 | Contact available |
| 5 | Bank of America | $8.46bn | 15.3% | 8 | Contact available |
| 6 | Citizens Bank | $8.04bn | 35.0% | 1 | Contact available |
| 7 | Old National Bank | $5.86bn | 34.3% | 11 | Contact available |
| 8 | Huntington National Bank | $4.88bn | 19.9% | 10 | Contact available |
| 9 | Pinnacle Bank (Tennessee) | $4.86bn | 17.8% | 4 | Contact available |
| 10 | Fifth Third Bank | $4.14bn | 19.2% | 68 | Contact available |
| 11 | Regions Bank | $3.88bn | 35.6% | 9 | Contact available |
| 12 | WesBanco Bank | $1.74bn | 22.5% | 25 | Contact available |
| 13 | First Financial Bank (OH) | $809m | 20.7% | 12 | Contact available |
| 14 | Burke & Herbert Bank & Trust Company | $785m | 18.0% | 1 | Contact available |
| 15 | FirstBank | $768m | 15.5% | 5 | Contact available |
| 16 | German American Bank | $502m | 22.8% | 30 | Contact available |
| 17 | First Financial Bank, N.A. (Terre Haute, IN) | $497m | 27.3% | 16 | Contact available |
| 18 | Peoples Bank | $470m | 27.3% | 42 | Contact available |
| 19 | Park National Bank | $356m | 12.7% | 1 | Contact available |
| 20 | Commercial Bank (Harrogate, TN) | $258m | 30.2% | 14 | Contact available |
| 21 | City National Bank of West Virginia (Charleston, WV) | $233m | 17.0% | 23 | Contact available |
| 22 | Woodforest National Bank | $115m | 5.5% | 23 | Contact available |
| 23 | First Guaranty Bank | $86m | 12.2% | 1 | Contact available |
| 24 | First Harrison Bank | $57m | 22.7% | 5 | Contact available |
| 25 | Armed Forces Bank, National Association | $32m | 12.8% | 1 | Contact available |
What this list is, and what it leaves out
A reported balance is not a credit box. Every bank here held apartment loans on 30 June 2026. That is evidence they lend on multifamily — better evidence than a marketing page, because it is what they actually hold — but it is not a commitment to lend on your deal, at your size, in your submarket.
More lenders exist than this page lists. 133 banks qualified in Kentucky. Credit unions, debt funds, agency lenders and life companies also finance apartments and none of them file this report, and plenty of banks lend on multifamily without publishing criteria anywhere. Running your deal through the search covers all of them, not just the banks on this page.
We hold a named lending contact for 122 of them.
Sources. FDIC Call Reports (30 June 2026) and the FDIC Summary of Deposits. A bank appears here if it reported a multifamily balance of $5m or more, or multifamily at 5% or more of its commercial real estate book, and has at least one branch in Kentucky. The dual test is deliberate: a flat dollar floor is a bank-size filter in disguise — a $25m floor passes 86.5% of banks over $10bn and 2.2% of banks under $300m — and would drop the community lenders most likely to look at a smaller apartment deal. Multifamily is the call report's own category for loans secured by five-or-more-unit residential property; it excludes one-to-four-unit rentals, which banks report separately. Multifamily book is institution-level and unprorated: no state split of the loan book is published, so a bank lending in several states shows its full multifamily book on every state page where it qualifies. That is why this page separates banks based in Kentucky from national lenders with branches here, rather than ranking them against each other on a national figure. Branch counts are offices in Kentucky from the Summary of Deposits. Contact availability refers to whether Lender Compass holds a named contact, not to anything the bank publishes.