US Bank Directory
Banks in Middlesboro, KY
3 FDIC-insured banks operate 4 offices in Middlesboro, Kentucky, and 2 credit unions have 3 offices.
Source: FDIC BankFind, data as of September 5, 2026; NCUA call report as of March 31, 2026.
Bank branch map: Middlesboro
Banks sit at the coordinates in their FDIC record; credit union offices at their NCUA address, located with the U.S. Census Bureau Geocoder. Point at a marker for today's hours, tap it for the address, directions and the bank's site.
Short answer: 5 banks and credit unions operate 7 locations in Middlesboro, according to the FDIC and the NCUA. 6 of them have coordinates on record and are on the map. 3 publish opening hours.
Branches: FDIC, NCUA. Streets: loading.
6 locations on the map
Tap a cluster to zoom in
Positions are the regulators' own coordinates, or the Census Geocoder's point for the address, and can sit a few hundred feet from the door. Streets, buildings and parks come from OpenStreetMap through OpenFreeMap, with every street named as you zoom in; if that map cannot load, a simpler map drawn from the Census Bureau's TIGER/Line files takes its place. ATMs will follow with the Overture Maps import.
All banks and credit unions in Middlesboro
Sorted by number of local branches. Each branch shows where its hours and phone number come from.
Short answer: Community Trust Bank has the most locations in Middlesboro, with 2. The other 2 each have a single office in the city. Open any bank to see each address, today's hours where the bank publishes them and the phone number.
Community Trust Bank Bank · 2
Community Trust Bank has 2 branches in Middlesboro, 69 across Kentucky and 78 nationwide. FDIC records list its main office in Pikeville, KY and show it operating since 1903. With $6.95 billion in total assets on June 30, 2026, it ranks No. 223 of 4,232 U.S. banks by total assets. In FDIC branch records, its longest-running Middlesboro location is the Middlesboro Branch at 1918 Cumberland Ave, dating to 1931; the newest, at 1206 Cumberland Ave, to 1963. It does not publish hours in the sources this page uses; check its site before you go.
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Middlesboro East Branch1206 Cumberland Ave, 40965
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Middlesboro Branch1918 Cumberland Ave, 40965
Y-12 Credit Union Credit union · 2
Y-12 Credit Union has 2 officees in Middlesboro, 7 across Kentucky. It is based in Oak Ridge, TN and $2.77 billion in assets on March 31, 2026, according to its NCUA call report. None of its 2 Middlesboro locations with published hours lists Saturday hours.
Who can join: see the credit union's site.
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Fsb Middlesboro1820 Cumberland Ave, 40965
All hours
Mon to Fri 8 am to 4 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
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Fsb Middlesboro East815 E Lothbury Ave, 40965
All hours
Mon to Fri 8 am to 4 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
Arh Credit Union Credit union · 1
Arh Credit Union has 1 office in Middlesboro, 1 across Kentucky. It is based in Middlesboro, KY and $20.0 million in assets on March 31, 2026, according to its NCUA call report. Its published hours do not list Saturday.
Who can join: see the credit union's site.
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Main Office main office3805 Cumberland Ave, 40965
All hours
Mon to Thu 7:30 am to 4 pm; Fri 7:30 am to 6 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
Commercial Bank Bank · 1
Commercial Bank has 1 branch in Middlesboro, 14 across Kentucky and 40 nationwide. FDIC records list its main office in Harrogate, TN and show it operating since 1976. With $2.36 billion in total assets on June 30, 2026, it ranks No. 528 of 4,232 U.S. banks by total assets. The Middlesboro Federal Bank, Fsb Branch at 1431 Cumberland Ave dates to 1915 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.
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Middlesboro Federal Bank, Fsb Branch1431 Cumberland Ave, 40965
Hearthside Bank Corporation Bank · 1
Hearthside Bank Corporation has 1 branch in Middlesboro, 4 across Kentucky and 8 nationwide. FDIC records list its main office in Middlesboro, KY and show it operating since 1920. With $608.9 million in total assets on June 30, 2026, it ranks No. 1,551 of 4,232 U.S. banks by total assets. Its main office at 1602 Cumberland Ave dates to 1920 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.
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Main Office main office1602 Cumberland Ave, 40965
Join a credit union in Middlesboro
2 credit unions have 3 offices here: Y-12 Credit Union and Arh Credit Union. Each office is listed above with the phone and the hours it filed with the NCUA (call report as of March 31, 2026). Who can join each one is on its own site; the credit unions in Middlesboro page has every office in the state's directory.
Banking in Middlesboro: the local picture
Short answer: 3 banks run 4 branches in Middlesboro according to the FDIC. A population estimate for this place is not available from the Census Bureau, so branches per resident are not shown.
Of the 3 banks, 1 has its main office in Middlesboro, 1 elsewhere in Kentucky and 1 out of state, according to the FDIC.
The bank with the longest record here is Community Trust Bank, operating since 1903 according to the FDIC. In FDIC branch records, the longest-running branch is Commercial Bank's office at 1431 Cumberland Ave, dating to 1915; the newest is Community Trust Bank's at 1206 Cumberland Ave, from 1963.
2 credit unions have 3 offices in Middlesboro, according to the NCUA. Who can join each one is on the credit unions page.
Of the 3 locations with published hours. None open on Saturday. 4 locations have no published hours in these sources.
Saturday hours in Middlesboro
Short answer: None of the 3 Middlesboro locations with published hours lists Saturday hours. 4 locations do not publish hours in these sources; call ahead.
Credit union hours are the text each credit union filed with the NCUA, call report as of March 31, 2026; a day the filing does not mention is shown as not published, never as closed. Bank branches show hours only where the bank publishes them in a source this page uses; 4 of the 7 locations here have no published hours yet. The source and date sit under each office. Banks and credit unions often close on Federal Reserve holidays; call ahead.
Chase, Bank of America and other national banks
Which big national banks have branches in Middlesboro, and where the nearest one is if they do not.
Short answer: No branches in Middlesboro: Chase (nearest in Richmond, 85 mi), Wells Fargo, Bank of America (nearest in Lexington, 105 mi), PNC Bank (nearest in Barbourville, 19 mi), U.S. Bank (nearest in Berea, 74 mi), Truist (nearest in Harlan, 26 mi), Fifth Third Bank (nearest in Richmond, 84 mi), Huntington (nearest in Independence, 167 mi), Regions Bank (nearest in Franklin, 159 mi), TD Bank, BMO.
| Bank | In Middlesboro | Nearest branch if none here |
|---|---|---|
| Chase | None | Richmond, 85 miles away |
| Wells Fargo | None | none in Kentucky |
| Bank of America | None | Lexington, 105 miles away |
| PNC Bank | None | Barbourville, 19 miles away |
| U.S. Bank | None | Berea, 74 miles away |
| Truist | None | Harlan, 26 miles away |
| Fifth Third Bank | None | Richmond, 84 miles away |
| Huntington | None | Independence, 167 miles away |
| Regions Bank | None | Franklin, 159 miles away |
| TD Bank | None | none in Kentucky |
| BMO | None | none in Kentucky |
Branch counts from FDIC BankFind as of September 5, 2026. Distances are straight-line miles from the center of Middlesboro to the nearest branch in Kentucky.
What your savings could earn
National benchmarks and the best published offers, from the Banrox Bank Rates tracker. Enter your own balance and rate to compare.
Short answer: At the national average savings rate of 0.38%, $10,000 kept in savings for a year earns about $38. The best published savings rate in the tracker, 3.75% at CIT Bank, earns about $375. The national average 12-month CD pays 1.71%.
| Offer | Bank | APY | Term | Minimum |
|---|---|---|---|---|
| Savings | CIT Bank | 3.75% | none | $5,000 |
| Savings | Barclays | 3.50% | none | $0 |
| Savings | Marcus by Goldman Sachs | 3.40% | none | $0 |
| CD | Synchrony Bank | 4.35% | 60 Months | $0 |
| CD | Marcus by Goldman Sachs | 4.35% | 24 Months | $500 |
| CD | American Express National Bank | 4.25% | 10 Months | $0 |
Rates are the banks' published APYs as tracked on the Banrox Bank Rates page, with the date next to each benchmark; they are not offers from Banrox and can change daily. Interest is before tax. The best offers are mostly online banks and are open to Middlesboro residents like anyone else.
Banks near Middlesboro
Nearby cities with at least two banks, by straight-line distance. Counts from FDIC BankFind.
Short answer: The closest towns with more choice are Pineville (9 miles) and Barbourville (20 miles). London, 41 miles away, has the most banks nearby: 10.
| City | Distance | Banks | Branches |
|---|---|---|---|
| Banks in Pineville, KY | 9 mi | 3 | 3 |
| Banks in Barbourville, KY | 20 mi | 4 | 7 |
| Banks in Harlan, KY | 26 mi | 4 | 6 |
| Banks in Williamsburg, KY | 26 mi | 4 | 5 |
| Banks in Corbin, KY | 32 mi | 8 | 17 |
| Banks in Manchester, KY | 37 mi | 2 | 4 |
| Banks in London, KY | 41 mi | 10 | 19 |
| Banks in Hazard, KY | 53 mi | 5 | 11 |
Bank branch openings and closings in Middlesboro
FDIC branch records, between September 5, 2025 and September 5, 2026.
Short answer: FDIC branch records show no bank branch openings in Middlesboro between September 5, 2025 and September 5, 2026. Closings and relocations are not tracked by the sources this page uses yet.
Banks and credit unions based in Middlesboro
Short answer: 2 institutions have their main office in Middlesboro: Hearthside Bank Corporation and Arh Credit Union.
| Institution | Type | Total assets, June 30, 2026 | Offices here |
|---|---|---|---|
| Hearthside Bank Corporation | Bank | $608.9 million | 1 |
| Arh Credit Union | Credit union | $20.0 million | 1 |
Banks: FDIC BankFind (community-bank flag and assets). Credit unions: NCUA call report.
Largest banks in Middlesboro by total assets
Ranked by each bank's total assets on its FDIC balance sheet, which covers the whole bank, not only its Middlesboro offices.
Short answer: Community Trust Bank is the largest bank with offices in Middlesboro, with $6.95 billion in total assets on June 30, 2026, No. 223 among U.S. banks by total assets. Commercial Bank is second with $2.36 billion. 1 of the 3 bank is headquartered here. Local deposit shares will follow once the FDIC Summary of Deposits is imported.
| Bank | Total assets | Rank | Offices here | Main office |
|---|---|---|---|---|
| Community Trust Bank | $6.95 billion | No. 223 | 2 | Pikeville, KY |
| Commercial Bank | $2.36 billion | No. 528 | 1 | Harrogate, TN |
| Hearthside Bank Corporation | $608.9 million | No. 1,551 | 1 | Middlesboro, KY |
Total assets and ranks from FDIC BankFind as of June 30, 2026. Rank is among active banks that report total assets to the FDIC.
Banks in Middlesboro: FAQ
How many banks are in Middlesboro, KY?
Middlesboro has 3 banks with 4 branches and 2 credit unions with 3 offices, according to FDIC data as of September 5, 2026 and NCUA data as of March 31, 2026.
Which bank has the most branches in Middlesboro?
Community Trust Bank, with 2. Commercial Bank has 1 and Hearthside Bank Corporation has 1.
Is there a Community Trust Bank in Middlesboro, KY?
Yes. FDIC data lists 2 Community Trust Bank branches in Middlesboro as of September 5, 2026. Its branches are listed under Community Trust Bank above, with the address and directions for each.
Is there a Commercial Bank in Middlesboro, KY?
Yes. FDIC data lists 1 Commercial Bank branch in Middlesboro as of September 5, 2026. The address and directions are under Commercial Bank above.
Is there a Hearthside Bank Corporation in Middlesboro, KY?
Yes. FDIC data lists 1 Hearthside Bank Corporation branch in Middlesboro as of September 5, 2026, the main office at 1602 Cumberland Ave. The address and directions are under Hearthside Bank Corporation above.
Is there a Chase in Middlesboro, KY?
No. FDIC data lists no Chase branch in Middlesboro as of September 5, 2026. The nearest is in Richmond, about 85 miles away in a straight line.
Which banks in Middlesboro are open on Saturday?
None of the 3 locations with published hours lists Saturday hours. 4 locations do not publish hours in our sources; call ahead.
Which banks are headquartered in Middlesboro?
Hearthside Bank Corporation and Arh Credit Union have their main office in Middlesboro, according to the FDIC and the NCUA.
What is the oldest bank in Middlesboro?
Community Trust Bank has the longest record among banks with a branch here: the FDIC shows it operating since 1903.
Which credit unions can I join in Middlesboro?
Y-12 Credit Union and Arh Credit Union have offices in Middlesboro. Check each credit union's membership rules before you apply.
Did any bank branches open or close in Middlesboro in the past year?
FDIC branch records show no branch openings between September 5, 2025 and September 5, 2026. Closings and relocations are not tracked by the sources this page uses yet.
Where can I find more banks near Middlesboro?
Nearby cities with more banks include Pineville, Barbourville, Harlan. Pineville is 9 miles away with 3 banks.
How we build this page
Every figure above comes from one of these sources. Nothing is typed by hand, nothing is estimated.
| Data | Source | License | Updated | Data as of |
|---|---|---|---|---|
| FDIC-insured banks: branches, main offices, total assets, dates established | FDIC BankFind Suite API | Public data (U.S. government) | Monthly import | Sep 5, 2026 |
| Credit union offices, phones and hours as filed with the NCUA, total assets | NCUA call report data | Public data (U.S. government) | Quarterly import | Mar 31, 2026 |
| Map coordinates of 2 credit union offices whose NCUA record has none, from the office address | U.S. Census Bureau Geocoder | Public data (U.S. government) | With each NCUA import | Oct 19, 2026 |
| Savings and CD rates, national averages | Banrox Bank Rates | Banrox, from the banks' own rate pages and FDIC national rates | Weekly | see each rate |
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