US Bank Directory
Banks in Mount Sterling, KY
6 FDIC-insured banks operate 11 offices in Mount Sterling, Kentucky.
Source: FDIC BankFind, data as of September 5, 2026.
Bank branch map: Mount Sterling
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: 6 banks and credit unions operate 11 locations in Mount Sterling, according to the FDIC. 11 of them have coordinates on record and are on the map. ATMs and opening hours are not in the sources this page uses yet; each marker links to directions.
Branches: FDIC, NCUA. Streets: loading.
11 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 in Mount Sterling
Sorted by number of local branches. Each branch shows where its hours and phone number come from.
Short answer: Traditional Bank has the most locations in Mount Sterling, with 4. It is followed by Whitaker Bank (3). 4 banks 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.
Traditional Bank Bank · 4
Traditional Bank has 4 branches in Mount Sterling, 19 across Kentucky and 19 nationwide. FDIC records list its main office in Mount Sterling, KY and show it operating since 1902. With $2.44 billion in total assets on June 30, 2026, it ranks No. 510 of 4,232 U.S. banks by total assets. In FDIC branch records, its longest-running Mount Sterling location is its main office at 49 W Main St, dating to 1902; the newest, at 7450 Indian Mound Drive, to 1995. It does not publish hours in the sources this page uses; check its site before you go.
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Main Office main office49 W Main St, 40353
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Montgomery Square Branch1378 Indian Mound Dr, 40353
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Maysville Road Branch637 Maysville Rd, 40353
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Midland Trail Branch7450 Indian Mound Drive, 40353
Whitaker Bank Bank · 3
Whitaker Bank has 3 branches in Mount Sterling, 46 across Kentucky and 46 nationwide. FDIC records list its main office in Lexington, KY and show it operating since 1990. With $1.93 billion in total assets on June 30, 2026, it ranks No. 622 of 4,232 U.S. banks by total assets. In FDIC branch records, its longest-running Mount Sterling location is the Mount Sterling Bank Branch at 30 W Main St, dating to 1871; the newest, at 275 Indian Mound Dr, to 1988. It does not publish hours in the sources this page uses; check its site before you go.
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Indian Mound Branch275 Indian Mound Dr, 40353
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Mount Sterling Bank Branch30 W Main St, 40353
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Camargo Branch4085 Camargo Rd, 40353
City National Bank of West Virginia Bank · 1
City National Bank of West Virginia has 1 branch in Mount Sterling, 23 across Kentucky and 97 nationwide. FDIC records list its main office in Charleston, WV and show it operating since 1957. With $6.76 billion in total assets on June 30, 2026, it ranks No. 229 of 4,232 U.S. banks by total assets. The Mt Sterling Branch at 101 Commonwealth Dr dates to 1961 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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Mt Sterling Branch101 Commonwealth Dr, 40353
Community Trust Bank Bank · 1
Community Trust Bank has 1 branch in Mount Sterling, 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. The Mt Sterling Branch at 498 Indian Mound Dr dates to 1856 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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Mt Sterling Branch498 Indian Mound Dr, 40353
Peoples Bank of Kentucky Bank · 1
Peoples Bank of Kentucky has 1 branch in Mount Sterling, 12 across Kentucky and 12 nationwide. FDIC records list its main office in Flemingsburg, KY and show it operating since 1906. With $564.9 million in total assets on June 30, 2026, it ranks No. 1,642 of 4,232 U.S. banks by total assets. The Silver Creek Branch at 202 Bentley Way dates to 2018 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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Silver Creek Branch202 Bentley Way, 40353
Peoples Exchange Bank Bank · 1
Peoples Exchange Bank has 1 branch in Mount Sterling, 9 across Kentucky and 9 nationwide. FDIC records list its main office in Winchester, KY and show it operating since 1912. With $609.8 million in total assets on June 30, 2026, it ranks No. 1,550 of 4,232 U.S. banks by total assets. The Mount Sterling Main at 560 Indian Mound Dr dates to 2001 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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Mount Sterling Main560 Indian Mound Dr, 40353
Banking in Mount Sterling: the local picture
Short answer: 6 banks run 11 branches in Mount Sterling 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 6 banks, 1 has its main office in Mount Sterling, 4 elsewhere in Kentucky and 1 out of state, according to the FDIC.
The bank with the longest record here is Traditional Bank, operating since 1902 according to the FDIC. In FDIC branch records, the longest-running branch is Community Trust Bank's office at 498 Indian Mound Dr, dating to 1856; the newest is Peoples Bank of Kentucky's at 202 Bentley Way, from 2018.
None of the 11 locations here publishes hours in the sources this page uses. Each branch links to the bank's own site.
Chase, Bank of America and other national banks
Which big national banks have branches in Mount Sterling, and where the nearest one is if they do not.
Short answer: No branches in Mount Sterling: Chase (nearest in Lexington, 26 mi), Wells Fargo, Bank of America (nearest in Lexington, 26 mi), PNC Bank (nearest in Lexington, 26 mi), U.S. Bank (nearest in Lexington, 26 mi), Truist (nearest in Winchester, 15 mi), Fifth Third Bank (nearest in Paris, 20 mi), Huntington (nearest in Independence, 68 mi), Regions Bank (nearest in Franklin, 172 mi), TD Bank, BMO.
| Bank | In Mount Sterling | Nearest branch if none here |
|---|---|---|
| Chase | None | Lexington, 26 miles away |
| Wells Fargo | None | none in Kentucky |
| Bank of America | None | Lexington, 26 miles away |
| PNC Bank | None | Lexington, 26 miles away |
| U.S. Bank | None | Lexington, 26 miles away |
| Truist | None | Winchester, 15 miles away |
| Fifth Third Bank | None | Paris, 20 miles away |
| Huntington | None | Independence, 68 miles away |
| Regions Bank | None | Franklin, 172 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 Mount Sterling 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 Mount Sterling residents like anyone else.
Banks near Mount Sterling
Nearby cities with at least two banks, by straight-line distance. Counts from FDIC BankFind.
Short answer: The closest towns with more choice are Owingsville (11 miles) and Sharpsburg (11 miles). Winchester, 15 miles away, has the most banks nearby: 9.
| City | Distance | Banks | Branches |
|---|---|---|---|
| Banks in Owingsville, KY | 11 mi | 3 | 4 |
| Banks in Sharpsburg, KY | 11 mi | 2 | 2 |
| Banks in Winchester, KY | 15 mi | 9 | 14 |
| Banks in Stanton, KY | 16 mi | 4 | 4 |
| Banks in Paris, KY | 20 mi | 4 | 6 |
| Banks in Irvine, KY | 25 mi | 2 | 4 |
| Banks in Flemingsburg, KY | 27 mi | 2 | 6 |
| Banks in Morehead, KY | 27 mi | 9 | 12 |
Bank branch openings and closings in Mount Sterling
FDIC branch records, between September 5, 2025 and September 5, 2026.
Short answer: FDIC branch records show no bank branch openings in Mount Sterling 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 Mount Sterling
Short answer: 1 institution has its main office in Mount Sterling: Traditional Bank.
| Institution | Type | Total assets, June 30, 2026 | Offices here |
|---|---|---|---|
| Traditional Bank | Bank | $2.44 billion | 4 |
Banks: FDIC BankFind (community-bank flag and assets). Credit unions: NCUA call report.
Largest banks in Mount Sterling by total assets
Ranked by each bank's total assets on its FDIC balance sheet, which covers the whole bank, not only its Mount Sterling offices.
Short answer: Community Trust Bank is the largest bank with offices in Mount Sterling, with $6.95 billion in total assets on June 30, 2026, No. 223 among U.S. banks by total assets. City National Bank of West Virginia is second with $6.76 billion. 1 of the 6 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 | 1 | Pikeville, KY |
| City National Bank of West Virginia | $6.76 billion | No. 229 | 1 | Charleston, WV |
| Traditional Bank | $2.44 billion | No. 510 | 4 | Mount Sterling, KY |
| Whitaker Bank | $1.93 billion | No. 622 | 3 | Lexington, KY |
| Peoples Exchange Bank | $609.8 million | No. 1,550 | 1 | Winchester, KY |
| Peoples Bank of Kentucky | $564.9 million | No. 1,642 | 1 | Flemingsburg, 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 Mount Sterling: FAQ
How many banks are in Mount Sterling, KY?
Mount Sterling has 6 banks with 11 branches, according to FDIC data as of September 5, 2026.
Which bank has the most branches in Mount Sterling?
Traditional Bank, with 4. Whitaker Bank has 3 and Community Trust Bank has 1.
Is there a Traditional Bank in Mount Sterling, KY?
Yes. FDIC data lists 4 Traditional Bank branches in Mount Sterling as of September 5, 2026, the main office at 49 W Main St. Its branches are listed under Traditional Bank above, with the address and directions for each.
Is there a Whitaker Bank in Mount Sterling, KY?
Yes. FDIC data lists 3 Whitaker Bank branches in Mount Sterling as of September 5, 2026. Its branches are listed under Whitaker Bank above, with the address and directions for each.
Is there a Community Trust Bank in Mount Sterling, KY?
Yes. FDIC data lists 1 Community Trust Bank branch in Mount Sterling as of September 5, 2026. The address and directions are under Community Trust Bank above.
Is there a Chase in Mount Sterling, KY?
No. FDIC data lists no Chase branch in Mount Sterling as of September 5, 2026. The nearest is in Lexington, about 26 miles away in a straight line.
Which banks are headquartered in Mount Sterling?
Traditional Bank has its main office in Mount Sterling, according to the FDIC.
What is the oldest bank in Mount Sterling?
Traditional Bank has the longest record among banks with a branch here: the FDIC shows it operating since 1902.
Did any bank branches open or close in Mount Sterling 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 Mount Sterling?
Nearby cities with more banks include Owingsville, Sharpsburg, Winchester. Owingsville is 11 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 |
| 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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