US Bank Directory
Banks in Richmond, KY
15 FDIC-insured banks operate 23 offices in Richmond, Kentucky, and 2 credit unions have 2 offices.
Source: FDIC BankFind, data as of September 5, 2026; NCUA call report as of March 31, 2026; hours checked October 10, 2026.
Bank branch map: Richmond
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: 17 banks and credit unions operate 25 locations in Richmond, according to the FDIC and the NCUA. 25 of them have coordinates on record and are on the map. 6 publish opening hours.
Branches: FDIC, NCUA. Streets: loading.
25 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 Richmond
Sorted by number of local branches. Each branch shows where its hours and phone number come from.
Short answer: Whitaker Bank has the most locations in Richmond, with 3. It is followed by Stock Yards Bank (2), Community Trust Bank (2), Central Bank & Trust Co. (2). 8 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.
Whitaker Bank Bank · 3
Whitaker Bank has 3 branches in Richmond, 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 Richmond location is the Richmond Branch at 1157 Berea Rd, dating to 1987; the newest, at 1000 Brandy Ln, to 1998. It does not publish hours in the sources this page uses; check its site before you go.
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Brandy Lane Branch1000 Brandy Ln, 40475
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Richmond Branch1157 Berea Rd, 40475
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Eastern By-Pass Branch460 Eastern By-Pass, 40475
Central Bank & Trust Co. Bank · 2
Central Bank & Trust Co. has 2 branches in Richmond, 29 across Kentucky and 29 nationwide. FDIC records list its main office in Lexington, KY and show it operating since 1938. With $4.01 billion in total assets on June 30, 2026, it ranks No. 337 of 4,232 U.S. banks by total assets. In FDIC branch records, its longest-running Richmond location is the Richmond Branch at 350 W Main St, dating to 2006; the newest, at 1996 Spring House Ln, to 2026. It does not publish hours in the sources this page uses; check its site before you go.
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Spring House Branch1996 Spring House Ln, 40475
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Richmond Branch350 W Main St, 40475
Citizens Guaranty Bank Bank · 2
Citizens Guaranty Bank has 2 branches in Richmond, 6 across Kentucky and 6 nationwide. FDIC records list its main office in Richmond, KY and show it operating since 1972. With $303.6 million in total assets on June 30, 2026, it ranks No. 2,461 of 4,232 U.S. banks by total assets. In FDIC branch records, its longest-running Richmond location is its main office at 457 E Main St, dating to 1972; the newest, at 2066 Merchant Dr, to 1999. It does not publish hours in the sources this page uses; check its site before you go.
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Main Office main office457 E Main St, 40475
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Merchant Drive Branch2066 Merchant Dr, 40475
Community Trust Bank Bank · 2
Community Trust Bank has 2 branches in Richmond, 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 Richmond location is the Richmond Branch at 128 W Main St, dating to 1870; the newest, at 860 Eastern Byp, to 1980. It does not publish hours in the sources this page uses; check its site before you go.
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Richmond Branch128 W Main St, 40475
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Richmond Eastern Bypass Branch860 Eastern Byp, 40475
Cumberland Valley National Bank Bank · 2
Cumberland Valley National Bank has 2 branches in Richmond, 14 across Kentucky and 14 nationwide. FDIC records list its main office in London, KY and show it operating since 1904. With $816.1 million in total assets on June 30, 2026, it ranks No. 1,240 of 4,232 U.S. banks by total assets. In FDIC branch records, its longest-running Richmond location is the North Richmond at 2110 Lexington Rd, dating to 1998; the newest, at 505 Leighway Dr, to 1998. It does not publish hours in the sources this page uses; check its site before you go.
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North Richmond2110 Lexington Rd, 40475
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Richmond By-Pass Branch505 Leighway Dr, 40475
First Southern National Bank Bank · 2
First Southern National Bank has 2 branches in Richmond, 17 across Kentucky and 17 nationwide. FDIC records list its main office in Lancaster, KY and show it operating since 1865. With $1.28 billion in total assets on June 30, 2026, it ranks No. 858 of 4,232 U.S. banks by total assets. The Richmond Branch at 894 Richmond Plz dates to 1898 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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Madison Courier Service Branch894 Richmond Plz, 40475
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Richmond Branch894 Richmond Plz, 40475
Stock Yards Bank Bank · 2
Stock Yards Bank has 2 branches in Richmond, 67 across Kentucky and 85 nationwide. FDIC records list its main office in Louisville, KY and show it operating since 1904. With $10.36 billion in total assets on June 30, 2026, it ranks No. 157 of 4,232 U.S. banks by total assets. In FDIC branch records, its longest-running Richmond location is the Richmond University Branch at 660 University Shopping Ctr, dating to 2008; the newest, at 2037 Merrick Dr, to 2026. It does not publish hours in the sources this page uses; check its site before you go.
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Merrick Branch2037 Merrick Dr, 40475
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Richmond University Branch660 University Shopping Ctr, 40475
1st Trust Bank Bank · 1
1st Trust Bank has 1 branch in Richmond, 4 across Kentucky and 4 nationwide. FDIC records list its main office in Hazard, KY and show it operating since 2004. With $351.7 million in total assets on June 30, 2026, it ranks No. 2,260 of 4,232 U.S. banks by total assets. The Eastern Bypass Branch at 360 Eastern Byp dates to 2017 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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Eastern Bypass Branch360 Eastern Byp, 40475
Chase Bank · 1
Chase has 1 branch in Richmond, 46 across Kentucky and 5,176 nationwide. FDIC records list its main office in Columbus, OH and show it operating since 1824. With $4.09 trillion in total assets on June 30, 2026, it ranks No. 1 of 4,232 U.S. banks by total assets. The Eastern By Pass Branch at 405 Leighway Dr dates to 1974 in FDIC branch records. It opens on Saturday.
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Eastern By Pass Branch405 Leighway Dr, 40475
All hours
Mon to Fri 9 am to 5 pm; Sat 9 am to 12 pm; Sun not published
Hours: Chase branch locator (All The Places), checked Oct 10, 2026
Commonwealth Credit Union Credit union · 1
Commonwealth Credit Union has 1 office in Richmond, 18 across Kentucky. It is based in Frankfort, KY and $2.83 billion in assets on March 31, 2026, according to its NCUA call report. It opens on Saturday.
Who can join: see the credit union's site.
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Richmond Branch108 Meridian Way, 40475
All hours
Mon to Fri 9 am to 5 pm; Sat 9 am to 12:30 pm; Sun not published
Hours: NCUA, March 31, 2026
Fifth Third Bank Bank · 1
Fifth Third Bank has 1 branch in Richmond, 68 across Kentucky and 1,508 nationwide. FDIC records list its main office in Cincinnati, OH and show it operating since 1865. With $299.18 billion in total assets on June 30, 2026, it ranks No. 14 of 4,232 U.S. banks by total assets. The Richmond Mall Branch at 800 Eastern Byp dates to 2000 in FDIC branch records. It opens on Saturday.
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Richmond Mall Branch800 Eastern Byp, 40475
All hours
Mon closed; Tue to Thu 9 am to 5 pm; Fri 9 am to 6 pm; Sat 9 am to 12 pm; Sun closed
Hours: Fifth Third Bank branch locator (All The Places), checked Oct 10, 2026
Forcht Bank Bank · 1
Forcht Bank has 1 branch in Richmond, 22 across Kentucky and 23 nationwide. FDIC records list its main office in Lexington, KY and show it operating since 2002. With $1.65 billion in total assets on June 30, 2026, it ranks No. 685 of 4,232 U.S. banks by total assets. The Richmond - Main Branch at 2140 Lantern Ridge Dr dates to 2010 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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Richmond - Main Branch2140 Lantern Ridge Dr, 40475
Park Credit Union Credit union · 1
Park Credit Union has 1 office in Richmond, 14 across Kentucky. It is based in Louisville, KY and $1.45 billion 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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Richmond Office1300 Gibson Bay Dr, 40475
All hours
Mon to Fri 9 am to 5 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
PNC Bank Bank · 1
PNC Bank has 1 branch in Richmond, 67 across Kentucky and 2,413 nationwide. FDIC records list its main office in Wilmington, DE and show it operating since 1804. With $609.77 billion in total assets on June 30, 2026, it ranks No. 8 of 4,232 U.S. banks by total assets. The Bypass - Richmond at 520 Eastern Byp dates to 1975 in FDIC branch records. It opens on Saturday.
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Bypass - Richmond520 Eastern Byp, 40475
All hours
Mon not published; Tue to Fri 9 am to 5 pm; Sat 9 am to 1 pm; Sun not published
Hours: PNC Bank branch locator (All The Places), checked Oct 3, 2026
The Citizens National Bank of Somerset Bank · 1
The Citizens National Bank of Somerset has 1 branch in Richmond, 12 across Kentucky and 12 nationwide. FDIC records list its main office in Somerset, KY and show it operating since 1919. With $700.9 million in total assets on June 30, 2026, it ranks No. 1,378 of 4,232 U.S. banks by total assets. The Richmond Branch at 2008 Merchant Dr dates to 2026 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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Richmond Branch2008 Merchant Dr, 40475
The Monticello Banking Bank · 1
The Monticello Banking has 1 branch in Richmond, 21 across Kentucky and 21 nationwide. FDIC records list its main office in Monticello, KY and show it operating since 1895. With $1.07 billion in total assets on June 30, 2026, it ranks No. 987 of 4,232 U.S. banks by total assets. The Richmond Branch at 275 E Main St dates to 2022 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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Richmond Branch275 E Main St, 40475
U.S. Bank Bank · 1
U.S. Bank has 1 branch in Richmond, 69 across Kentucky and 2,097 nationwide. FDIC records list its main office in Cincinnati, OH and show it operating since 1863. With $705.55 billion in total assets on June 30, 2026, it ranks No. 6 of 4,232 U.S. banks by total assets. The Richmond Branch at 200 E Main St dates to 1923 in FDIC branch records. It opens on Saturday.
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Richmond Branch200 E Main St, 40475
All hours
Mon not published; Tue to Fri 9 am to 5 pm; Sat 9 am to 12 pm; Sun not published
Hours: U.S. Bank branch locator (All The Places), checked Oct 10, 2026
Join a credit union in Richmond
2 credit unions have 2 offices here: Commonwealth Credit Union and Park 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 Richmond page has every office in the state's directory.
Banking in Richmond: the local picture
Short answer: 15 banks run 23 branches in Richmond 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 15 banks, 1 has its main office in Richmond, 10 elsewhere in Kentucky and 4 out of state, according to the FDIC.
The bank with the longest record here is PNC Bank, operating since 1804 according to the FDIC. In FDIC branch records, the longest-running branch is Community Trust Bank's office at 128 W Main St, dating to 1870; the newest is Stock Yards Bank's at 2037 Merrick Dr, from 2026.
2 credit unions have 2 offices in Richmond, according to the NCUA. Who can join each one is on the credit unions page.
Of the 6 locations with published hours. 5 open on Saturday. 19 locations have no published hours in these sources.
Banks and credit unions open on Saturday in Richmond
Short answer: 5 of the 6 Richmond locations with published hours open on Saturday, run by 5 institutions.
- Chase: 1 of 1 branch (405 Leighway Dr: Saturday 9 am to 12 pm)
- U.S. Bank: 1 of 1 branch (200 E Main St: Saturday 9 am to 12 pm)
- PNC Bank: 1 of 1 branch (520 Eastern Byp: Saturday 9 am to 1 pm)
- Fifth Third Bank: 1 of 1 branch (800 Eastern Byp: Saturday 9 am to 12 pm)
- Commonwealth Credit Union: 1 of 1 office (108 Meridian Way: Saturday 9 am to 12:30 pm)
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; 19 of the 25 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 Richmond, and where the nearest one is if they do not.
Short answer: In Richmond: Chase (1), PNC Bank (1), U.S. Bank (1), Fifth Third Bank (1). No branches in Richmond: Wells Fargo, Bank of America (nearest in Lexington, 20 mi), Truist (nearest in Winchester, 19 mi), Huntington (nearest in Walton, 83 mi), Regions Bank (nearest in Franklin, 144 mi), TD Bank, BMO.
| Bank | In Richmond | Nearest branch if none here |
|---|---|---|
| Chase | 1 branch | here |
| PNC Bank | 1 branch | here |
| U.S. Bank | 1 branch | here |
| Fifth Third Bank | 1 branch | here |
| Wells Fargo | None | none in Kentucky |
| Bank of America | None | Lexington, 20 miles away |
| Truist | None | Winchester, 19 miles away |
| Huntington | None | Walton, 83 miles away |
| Regions Bank | None | Franklin, 144 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 Richmond 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 Richmond residents like anyone else.
Banks near Richmond
Nearby cities with at least two banks, by straight-line distance. Counts from FDIC BankFind.
Short answer: The closest towns with more choice are Berea (11 miles) and Irvine (17 miles). Lexington, 22 miles away, has the most banks nearby: 33.
| City | Distance | Banks | Branches |
|---|---|---|---|
| Banks in Berea, KY | 11 mi | 8 | 12 |
| Banks in Irvine, KY | 17 mi | 2 | 4 |
| Banks in Winchester, KY | 18 mi | 9 | 14 |
| Banks in Lancaster, KY | 18 mi | 4 | 5 |
| Banks in Nicholasville, KY | 19 mi | 11 | 14 |
| Banks in Wilmore, KY | 22 mi | 2 | 2 |
| Banks in Lexington, KY | 22 mi | 33 | 120 |
| Banks in Mc Kee, KY | 24 mi | 2 | 3 |
Bank branch openings and closings in Richmond
FDIC branch records, between September 5, 2025 and September 5, 2026.
Short answer: FDIC branch records show 3 branch openings in Richmond between September 5, 2025 and September 5, 2026.
| Date | Change | Bank | Address |
|---|---|---|---|
| Jun 8, 2026 | Opened | Stock Yards Bank | 2037 Merrick Dr, 40475 |
| May 1, 2026 | Opened | The Citizens National Bank of Somerset | 2008 Merchant Dr, 40475 |
| Mar 9, 2026 | Opened | Central Bank & Trust Co. | 1996 Spring House Ln, 40475 |
Effective dates as recorded in FDIC BankFind branch history. Closings and relocations are not tracked by the sources this page uses yet. Credit union offices are not included; the NCUA does not publish opening dates.
Banks and credit unions based in Richmond
Short answer: 1 institution has its main office in Richmond: Citizens Guaranty Bank.
| Institution | Type | Total assets, June 30, 2026 | Offices here |
|---|---|---|---|
| Citizens Guaranty Bank | Bank | $303.6 million | 2 |
Banks: FDIC BankFind (community-bank flag and assets). Credit unions: NCUA call report.
Largest banks in Richmond by total assets
Ranked by each bank's total assets on its FDIC balance sheet, which covers the whole bank, not only its Richmond offices.
Short answer: Chase is the largest bank with offices in Richmond, with $4.09 trillion in total assets on June 30, 2026, No. 1 among U.S. banks by total assets. U.S. Bank is second with $705.55 billion. 1 of the 15 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 |
|---|---|---|---|---|
| Chase | $4.09 trillion | No. 1 | 1 | Columbus, OH |
| U.S. Bank | $705.55 billion | No. 6 | 1 | Cincinnati, OH |
| PNC Bank | $609.77 billion | No. 8 | 1 | Wilmington, DE |
| Fifth Third Bank | $299.18 billion | No. 14 | 1 | Cincinnati, OH |
| Stock Yards Bank | $10.36 billion | No. 157 | 2 | Louisville, KY |
| Community Trust Bank | $6.95 billion | No. 223 | 2 | Pikeville, KY |
| Central Bank & Trust Co. | $4.01 billion | No. 337 | 2 | Lexington, KY |
| Whitaker Bank | $1.93 billion | No. 622 | 3 | Lexington, KY |
| Forcht Bank | $1.65 billion | No. 685 | 1 | Lexington, KY |
| First Southern National Bank | $1.28 billion | No. 858 | 2 | Lancaster, 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 Richmond: FAQ
How many banks are in Richmond, KY?
Richmond has 15 banks with 23 branches and 2 credit unions with 2 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 Richmond?
Whitaker Bank, with 3. Stock Yards Bank has 2 and Community Trust Bank has 2.
Is there a Whitaker Bank in Richmond, KY?
Yes. FDIC data lists 3 Whitaker Bank branches in Richmond as of September 5, 2026. Its branches are listed under Whitaker Bank above, with the address and directions for each.
Is there a Stock Yards Bank in Richmond, KY?
Yes. FDIC data lists 2 Stock Yards Bank branches in Richmond as of September 5, 2026. Its branches are listed under Stock Yards Bank above, with the address and directions for each.
Is there a Community Trust Bank in Richmond, KY?
Yes. FDIC data lists 2 Community Trust Bank branches in Richmond as of September 5, 2026. Its branches are listed under Community Trust Bank above, with the address and directions for each.
Which banks in Richmond are open on Saturday?
Chase, U.S. Bank, PNC Bank and Fifth Third Bank and 1 more publish Saturday hours for one or more Richmond locations. The Saturday section above lists each one with its hours. 19 of the 25 locations here do not publish hours in the sources this page uses; call ahead.
Which banks are headquartered in Richmond?
Citizens Guaranty Bank has its main office in Richmond, according to the FDIC.
What is the oldest bank in Richmond?
PNC Bank has the longest record among banks with a branch here: the FDIC shows it operating since 1804.
Which credit unions can I join in Richmond?
Commonwealth Credit Union and Park Credit Union have offices in Richmond. Check each credit union's membership rules before you apply.
Did any bank branches open or close in Richmond in the past year?
FDIC branch records show 3 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 Richmond?
Nearby cities with more banks include Berea, Irvine, Winchester. Berea is 11 miles away with 8 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 |
| Bank branch hours, phones and branch pages (4 of 23 branches: Chase, Fifth Third Bank, PNC Bank, U.S. Bank) | The banks' own branch locators, collected by All The Places | CC0 (All The Places data); each bank's locator is the primary source | Weekly spider run, monthly refresh here | Oct 10, 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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