Paducah Bank
Paducah Bank is a privately held Kentucky community bank operating six branches across Paducah and Louisville, offering personal and business deposit accounts, mortgage and SBA lending, treasury management, and wealth services to retail consumers and local small businesses.
- Company typePrivate
- Founded1948
- HeadquartersPaducah, United States
- Headcount101–250
- GTM typeB2B and B2C
- OfferingServices
What Paducah Bank does
The Paducah Bank and Trust Company (operating as Paducah Bank) is a privately held community bank founded in 1948 and headquartered in Paducah, Kentucky, operating six retail branches across Paducah (Main Office, Lone Oak Road, Mid-City, Reidland, Strawberry Hill) and Louisville (Hurstbourne Park). It is regulated, FDIC-insured, and serves individual consumers, small-to-medium businesses, and select commercial/wealth clients across western Kentucky.
The bank offers a full personal and business banking suite: deposit products (basic and premium checking, including 'WOW! Perks' variants and a veteran checking account, plus savings, money market, CDs, IRAs, HSAs), lending products (auto/boat/RV/debt consolidation, mortgages including conventional, FHA, VA, USDA, jumbo, construction, first-time home buyer, home equity, and refinance), and business lending (commercial real estate, working capital lines of credit, SBA 7(a)/504 programs, business credit cards). Wealth services include trust and estate planning, private banking, and investment advisory. Its digital stack runs on SEI cloud-hosted infrastructure and Microsoft Azure managed by SEI Sphere, supporting online and mobile banking, Snap Mobile Check Deposit, Digital Wallet, WowPay P2P, eStatements, debit card management, and commercial online banking with Autobooks treasury management.
Revenue is generated through a traditional commercial banking mix: net interest income from lending (commercial, mortgage, consumer, SBA), fee income on deposit accounts, treasury management, and merchant services, plus deposit gathering across retail and commercial accounts. Customer acquisition follows a direct-to-consumer, relationship-banking go-to-market via physical branches, dedicated business development and mortgage lending teams, and local market decision-making authority. Distribution is supplemented by an extensive community presence and content-marketing footprint across Facebook, X, LinkedIn, Instagram, Snapchat, YouTube, and Vimeo.
Paducah Bank firmographics
Firmographics- Name
- Paducah Bank
- Legal name
- The Paducah Bank and Trust Company
- Website
- https://paducahbank.com
- Company type
- Private
- Founded year
- 1948
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Short description
- Paducah Bank is a privately held Kentucky community bank operating six branches across Paducah and Louisville, offering personal and business deposit accounts, mortgage and SBA lending, treasury management, and wealth services to retail consumers and local small businesses.
- Ownership category
- akta.pro rank
Paducah Bank industry classification
Industry- Product category
- Community Banking
- NAICS
- Savings Institutions and Other Depository Credit Intermediation (522180), Portfolio Management and Investment Advice (523940)
- SIC
- Savings Institutions, Not Federally Chartered (6036), Investment Advice (6282)
- akta.pro primary industry
- SME Deposits & Business Accounts (Operating, Savings, CDs) (FSABABAC)
- akta.pro secondary industry
- SBA/Government-Backed & Development Finance Loans (FSAKAGAI)
Keywords
Where Paducah Bank is headquartered
LocationHeadquarters
- HQ city
- Paducah
- HQ country
- United States
- HQ region
- North America
Offices6 records
Markets served
Paducah Bank business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales
Revenue model
- Interest Income from Lending: Traditional bank interest income generated from loans including commercial loans, mortgages, personal loans, and SBA loans
- Fee Income from Banking Services: Fee-based income from account maintenance, transaction processing, treasury management services, and other banking service charges
- Deposit Gathering: Core deposit base generation from retail and commercial checking, savings, and time deposit accounts
Go-to-market motion1 record
Distribution channels3 records
Marketing channels11 records
Paducah Bank product offering
Product offeringCore offering
Paducah Bank is a privately held community bank providing a full range of personal and business banking products, including checking and savings accounts, money market accounts, certificates of deposit, IRAs, HSAs, consumer and commercial loans, SBA loan programs, mortgages, home equity products, treasury management services, credit cards, trust and estate services, private wealth management, and investment services for individuals, families, and small-to-mid-sized businesses in western Kentucky and surrounding areas.
Product overview
Paducah Bank is a regional community bank offering a comprehensive suite of personal and business banking products. The core offering centers on deposit accounts (checking, savings, money markets, CDs, IRAs, HSAs) and lending products (auto loans, mortgages including conventional, FHA, VA, USDA, construction and home equity loans, business loans, SBA programs, and credit cards). Digital banking is delivered through online and mobile platforms including the WOW Mortgage App and portal, Snap Mobile Check Deposit, Digital Wallet, WowPay, and Commercial Online Banking. Treasury management services include Autobooks, receivable/payable services, merchant services, risk mitigation, and liquidity management. Wealth services encompass trust and estate services, private banking, and investment advisory. The bank operates six branch locations in Paducah and Louisville, Kentucky, serving approximately 130-150 employees and maintaining a 5-star BauerFinancial rating for 68+ consecutive quarters.
Differentiator
Problem solved
Functional benefit
Products and services
- Basic Personal Checking
Quantifiable outcome
- 68 consecutive quarters of 5-star BauerFinancial rating
- +1 more outcomes
Companies that use Paducah Bank
Customer profileNamed customers3 records
Segments5 records
Ideal customer profiles4 records
Paducah Bank technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature6 records
Paducah Bank partnerships and signals
Strategic signalPartnerships
Six partnerships are on record, tiered core and minor.
- SEIcoreSEI serves as Paducah Bank's cloud migration and managed services partner, providing infrastructure and technology services for the bank's digital banking operations.
- SEI SpherecoreSEI Sphere provides managed security services for Paducah Bank, ensuring secure banking operations and cybersecurity protections.
- Small Business Administration (SBA)coreSBA partnership enabling Paducah Bank to offer SBA-backed loans including SBA 7(a) and SBA 504 loans to small business customers. The bank is a top small business lender in the Paducah/McCracken County area through this partnership.
- Kentucky Small Business Development Center (KySBDC)minorPartnership with Kentucky Small Business Development Center to provide comprehensive small business resources, counseling, and support services to entrepreneurs and business owners.
- SCOREminorPartnership with SCORE to provide mentorship and business guidance resources to small business customers and prospective entrepreneurs.
- Women's Business CentersminorPartnership with Women's Business Centers to support female entrepreneurs and provide specialized resources for women-owned businesses.
Scale indicators4 records
Recent moves8 records
Expansion highlights6 records
Paducah Bank competitors and assessment
Company assessmentDirect peers
- Independence Bank: Owensboro, Kentucky-headquartered community bank offering personal banking, business lending, SBA programs, mortgages, and wealth management across multiple Kentucky branches. Closely comparable to Paducah Bank by charter type, product mix, and Western Kentucky footprint.
- Stock Yards Bank & Trust: Louisville, Kentucky-based community bank with personal and commercial banking, wealth management, and trust services. Comparable because it operates in the same Louisville market Paducah Bank is expanding into and serves overlapping SMB and wealth customer profiles.
- Planters Bank: Hopkinsville, Kentucky community bank providing checking, savings, lending, and small business banking across Western Kentucky. Comparable to Paducah Bank as a similarly sized Kentucky community bank focused on local relationship banking and small business lending.
- Forcht Bank: Kentucky-headquartered community bank providing personal, business, and wealth management services across multiple branches in the state. Comparable product mix and Kentucky community-bank positioning to Paducah Bank.
- Whitaker Bank: Lexington, Kentucky community bank offering personal banking, business lending, and treasury services. Comparable Kentucky community-bank model with overlapping SBA, mortgage, and deposit products.
- Citizens National Bank: Eastern Kentucky community bank offering personal and business banking services including SBA lending. Comparable as a similarly sized state-chartered Kentucky community bank focused on small business and consumer lending.
- Republic Bank: Louisville, Kentucky-headquartered bank offering consumer, business, and wealth banking with significant Kentucky footprint. Comparable in market overlap (Louisville) and in offering personal/business banking plus SBA and mortgage products.
Broad incumbents
- German American Bank: Jasper, Indiana-headquartered regional bank with Kentucky operations providing full-service banking, lending, and wealth management. Larger asset base and broader geographic reach than Paducah Bank, but competes for the same SMB and consumer customers in overlapping Kentucky markets.
- First Financial Bank: Cincinnati, Ohio-based regional bank with significant Kentucky presence offering commercial, consumer, and wealth banking. Comparable because it competes for Kentucky SMB and deposit customers but operates at meaningfully larger scale and broader geography than Paducah Bank.
- U.S. Bank: National bank with major commercial banking and small business operations across the U.S., including Kentucky markets where Paducah Bank operates. Directly relevant because incoming CEO Ashley Johnson spent nearly 20 years at U.S. Bank; competes in commercial treasury management and SMB lending.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
Paducah Bank social profiles
Digital presencePaducah Bank financial estimates
Financial estimateRevenue estimate
Valuation estimate
Paducah Bank leadership team
Management profileNumber of profiles
Profiles7 records
Paducah Bank funding detail
Funding detailFunding overview
Funding rounds1 record
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Paducah Bank M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Paducah Bank
What does Paducah Bank do?
Paducah Bank is a privately held community bank providing a full range of personal and business banking products, including checking and savings accounts, money market accounts, certificates of deposit, IRAs, HSAs, consumer and commercial loans, SBA loan programs, mortgages, home equity products, treasury management services, credit cards, trust and estate services, private wealth management, and investment services for individuals, families, and small-to-mid-sized businesses in western Kentucky and surrounding areas.
Is Paducah Bank a public or private company?
Paducah Bank is a private company. It is classified as unknown and is currently operating.
When was Paducah Bank founded?
Paducah Bank was founded in 1948. It employs 101 to 250 people.
Where is Paducah Bank based?
Paducah Bank is headquartered in Paducah, United States, in the North America region.
How does Paducah Bank make money?
Three revenue lines are on record. Interest Income from Lending is the primary driver. The others are fee Income from Banking Services and deposit Gathering.
Who are Paducah Bank's main competitors?
Direct peers on record are Independence Bank, Stock Yards Bank & Trust, Planters Bank, Forcht Bank, Whitaker Bank, Citizens National Bank and Republic Bank. Broad incumbents are German American Bank, First Financial Bank and U.S. Bank.
Does Paducah Bank have an API?
No public API is recorded for Paducah Bank.
What industry is Paducah Bank in?
Paducah Bank's product category is Community Banking. Its primary akta.pro industry code is FSABABAC, SME Deposits & Business Accounts (Operating, Savings, CDs), with a secondary code of FSAKAGAI, SBA/Government-Backed & Development Finance Loans. Its NAICS code is 522180 and its SIC code is 6036.