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Distressed Note Industry
Kentucky Commercial Loans
Analyzing commercial loans loan performance across 471 Kentucky banks
As of Q2 2025, 471 Kentucky banks report commercial loans portfolios totaling $39.0B. Non-performing loans in this category total $116.7M — an average NPL ratio of 0.30% — with $85.4M 30-89 days delinquent, $15.5M 90+ days delinquent, and $101.2M in nonaccrual status. The most distressed lender in this category is FARMERS STATE BANK, INC (KY) with an NPL ratio of 25.58%.
Total Lenders
471
Total Loan Portfolio
$39.0B
Total NPL
$116.7M
Average NPL %
0.30%
Delinquency Breakdown
30-89 Days
$85.4M
90+ Days
$15.5M
Nonaccrual
$101.2M
Charge-offs
$1.2M
Banks by NPL Ratio
Distribution of banks by non-performing loan ratio
Top Distressed Banks - Commercial Loans in Kentucky
Highest NPL %| Bank Name | State | Portfolio | NPL | NPL % |
|---|---|---|---|---|
| FARMERS STATE BANK, INC | KY | $1.9M | $494K | 25.58% |
| PEOPLES BANK OF KENTUCKY, INC. | KY | $20.0M | $3.2M | 15.86% |
| UNITED CITIZENS BANK & TRUST COMPANY | KY | $8.6M | $853K | 9.87% |
| MAGNOLIA BANK, INC | KY | $44.2M | $3.5M | 8.00% |
| PEOPLES BANK MT WASHINGTON | KY | $14.6M | $1.0M | 7.07% |
| MAGNOLIA BANK, INC | KY | $57.0M | $3.9M | 6.84% |
| MAGNOLIA BANK, INC | KY | $109.4M | $7.4M | 6.79% |
| FARMERS STATE BANK, INC | KY | $7.8M | $494K | 6.32% |
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