TellerScore

Headquartered in Campbellsville, Kentucky, Taylor County Bank is a state-chartered bank with $243.8M in total assets and $217.3M in deposits as of Q2 2026. It operates 4 offices. Its charter dates back to 1937.

Based on its Q2 2026 filing, Taylor County Bank scores 77/100, which we describe as strong. That is higher than 68% of 2,650 banks with $100 million – $1 billion. Among 120 banks headquartered in Kentucky, it ranks 36th. Its strongest component is earnings (83/100; 1.57%), and its lowest is loan quality (68/100; 0.97%).

TellerScore · Q2 2026

Scorecard

Capital cushion79/100
Tier 1 leverage ratio: 12.86%
Loan quality68/100
Noncurrent loans ÷ total loans: 0.97%
Earnings83/100
Return on assets (annualized): 1.57%
Funding & liquidity76/100
Loans ÷ deposits and uninsured-deposit share: 75.6% · 22.5% uninsured
Problem-loan coverage83/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 8.54%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 7 points (70 → 77), mostly because the loan quality component improved by 26 points.

TellerScore
707784Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202480
Q3 202484
Q4 202477
Q1 202575
Q2 202570
Q3 202572
Q4 202575
Q1 202680
Q2 202677
Tier 1 leverage ratio
5.00%8.98%12.96%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTier 1 leverage ratio
Q2 202412.64%
Q3 202412.56%
Q4 202412.12%
Q1 202512.79%
Q2 202512.13%
Q3 202512.52%
Q4 202512.32%
Q1 202612.96%
Q2 202612.86%
Noncurrent loans
0.29%1.02%1.75%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNoncurrent loans
Q2 20240.73%
Q3 20240.29%
Q4 20240.80%
Q1 20251.46%
Q2 20251.75%
Q3 20251.75%
Q4 20251.31%
Q1 20260.99%
Q2 20260.97%
Return on assets
1.57%2.07%2.56%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20241.67%
Q3 20241.73%
Q4 20241.75%
Q1 20252.32%
Q2 20251.98%
Q3 20252.56%
Q4 20252.26%
Q1 20261.92%
Q2 20261.57%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202677$243.8M12.86%0.97%1.57%75.6%
Q1 202680$248.7M12.96%0.99%1.92%75.2%
Q4 202575$243.3M12.32%1.31%2.26%80.0%
Q3 202572$249.6M12.52%1.75%2.56%77.2%
Q2 202570$245.6M12.13%1.75%1.98%78.0%
Q1 202575$241.1M12.79%1.46%2.32%76.6%
Q4 202477$230.6M12.12%0.80%1.75%78.3%
Q3 202484$229.1M12.56%0.29%1.73%78.7%
Q2 202480$226.8M12.64%0.73%1.67%75.3%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio12.86%
74th
Total risk-based capital0.00%
24th
Problem loans0.97%
29th
Net charge-offs0.86%
3rd
Return on assets1.57%
69th
Net interest margin4.28%
69th
Efficiency ratio55.0%
72nd
Loans to deposits75.6%
58th
Uninsured deposits22.5%
55th
Loan-loss reserves0.90%
18th
Texas ratio8.5%
22nd

Similar-size banks in Kentucky

InstitutionScoreAssetsCapitalProblem loansCompare
The Commercial Bank of GraysonBank Grayson, KY49 out of 100, Below average$242.0M11.0%3.03%vs
Lewisburg Banking CompanyBank Lewisburg, KY72 out of 100, Strong$246.1M9.0%0.48%vs
Farmers Bank and Trust CompanyBank Princeton, KY76 out of 100, Strong$247.8M9.5%0.04%vs
Citizens BankBank Mount Vernon, KY60 out of 100, Moderate$250.4M8.1%0.96%vs
Bank of ColumbiaBank Columbia, KY76 out of 100, Strong$231.1M9.3%0.19%vs
The First National Bank of ManchesterBank Manchester, KY55 out of 100, Moderate$230.1M9.9%1.62%vs

Deposit insurance

Is my money safe at Taylor County Bank?

Yes. Taylor County Bank is an FDIC-insured institution (FDIC certificate #15590). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 22.5% of deposits ($48.9M) are above the $250,000 FDIC insurance limit, close to the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 12.86%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

4 locations

Branches

Taylor County Bank lists 2 offices in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Taylor County Bank
Type
State-chartered bank
FDIC certificate #
15590
RSSD ID
831941
Primary regulator
FDIC
Holding company
Taylor County Bancshares Inc
Established
September 1, 1937
Headquarters
201 Lebanon Ave, Campbellsville, KY 42718
Employees
44

Quick answers

Taylor County Bank: common questions

Is Taylor County Bank FDIC insured?

Yes. Taylor County Bank is an FDIC-insured institution (FDIC certificate #15590). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Taylor County Bank's TellerScore?

77 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Taylor County Bank ever failed?

There is no failure record for FDIC certificate #15590 in the FDIC failed bank list.

How many branches does Taylor County Bank have?

4 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Campbellsville

InstitutionScoreAssetsCapitalProblem loansCompare
The Lincoln National Bank of HodgenvilleBank Hodgenville, KY86 out of 100, Very strong$454.4M14.9%0.43%vs
Bank of JamestownBank Jamestown, KY84 out of 100, Strong$263.8M13.0%0.02%vs
Edmonton State BankBank Glasgow, KY82 out of 100, Strong$1.2B11.5%0.32%vs
United Citizens Bank of Southern KentuckyBank Columbia, KY81 out of 100, Strong$286.2M12.1%0.43%vs
Abound Federal Credit UnionCredit union Radcliff, KY81 out of 100, Strong$2.8B15.8%0.81%vs
Community Trust Bank, Inc.Bank Pikeville, KY80 out of 100, Strong$6.9B13.4%0.58%vs