The Bank of Ghana is the sole body that licenses banking institution in the country. The general public must be aware of banking institutions that they do business with and their standing, in the books of the regulator. Here is a list of all licensed rural and community banks in Ghana as at April 2016.
LIST OF 140 LICENSED RURAL & COMMUNITY BANKS BY REGION
ASHANTI REGION
| NO. | ASHANTI REGION | LOCATION | REF. NO | DATE OPENED |
| 1 | Atwima Rural Bank Ltd. | Foase | BSD/RB/11 | 16/02/1980 |
| 2 | Sekyedomase Rural Bank Ltd. | Sekyedomase | BSD/RB/14 | 12/09/1980 |
| 3 | Adansi Rural Bank Ltd. | Fomena | BSD/RB/15 | 19/09/1980 |
| 4 | Asokore Rural Bank Ltd. | Asokore | BSD/RB/20 | 05/12/1980 |
| 5 | Kwamaman Rural Bank Ltd. | Kwaman | BSD/RB/38 | 23/08/1982 |
| 6 | Asante Akyem Rural Bank Ltd. | Juansa | BSD/RB/43 | 06/10/1982 |
| 7 | Kumawuman Rural Bank Ltd. | Kumawu | BSD/RB/45 | 29/10/1982 |
| 8 | Akrofoum Area Rural Bank Ltd. | Akrofuom | BSD/RB/51 | 04/12/1982 |
| 9 | Ahafo Ano Premier Rural Bank Ltd. | Wioso | BSD/RB/52 | 07/12/1982 |
| 10 | Bosomtwe Rural Bank Ltd. | Kuntanase | BSD/RB/53 | 09/12/1982 |
| 11 | Okomfo Anokye Rural Bank Ltd. | Wiamoase | BSD/RB/57 | 11/03/1983 |
| 12 | Odotobiri Rural Bank Ltd. | Jacobu | BSD/RB/62 | 16/07/1983 |
| 13 | Atwima Kwanwoma Rural Bank Ltd. | Pakyi No.2 | BSD/RB/67 | 08/09/1983 |
| 14 | Sekyere Rural Bank Ltd. | Jamasi | BSD/RB/75 | 20/10/1983 |
| 15 | Amanano Rural Bank Ltd. | Nyinahin | BSD/RB/76 | 21/10/1983 |
| 16 | Amansie West Rural Bank Ltd. | Antoakrom | BSD/RB/77 | 22/10/1983 |
| 17 | Juaben Rural Bank Ltd. | Juaben | BSD/RB/94 | 25/10/1984 |
| 18 | Atwima Mponua Rural Bank Ltd. | Toase | BSD/RB/98 | 16/11/1987 |
| 19 | Nwabiagya Rural Bank Ltd. | Barrekese | BSD/RB/111 | 01/08/1987 |
| 20 | Otuasekan Rural Bank Ltd. | Kofiase | BSD/RB/120 | 17/06/1988 |
| 21 | Nsutaman Rural Bank Ltd. | Nsuta | BSD/RB/131 | 23/10/2000 |
| 22 | Offinso Rural Bank | Offinso | BSD/RB/149 | 23/06/2008 |
| 23 | Tepaman Rural Bank | 153 | ||
| 24 | Bosome Freho Rural Bank | Nsuaem | OFISD/RB/153 | 2009 |
| 25 | Yaa Asantewa Rural Bank | Ejisu | OFISD/RB/147 | 20/05/2012 |
| UPPER EAST REGION | ||||
| 1 | Naara Rural Bank Ltd. | Paga | BSD/RB/28 | 09/07/1981 |
| 2 | Bessfa Rural Bank Ltd. | Garu | BSD/RB/83 | 26/11/1983 |
| 3 | Builsa Community Bank | Sandama | BSD/RB/127 | |
| 4 | Toende Rural Bank | Zebilla | BSD/RB/137 | 24/01/2004 |
| 5 | Bongo Rural Bank | Bongo | BSD/RB/153 | 2009 |
|
CENTRAL REGION |
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| 1 | Nyakrom Rural Bank Ltd. | Agona Nyakrom | BSD/RB/1 | 09/07/1976 |
| 2 | Mfantseman Community Bank | Biriwa | BSD/RB/2 | 09/01/1980 |
| 3 | Enyan Denkyira Rural Bank Ltd. | Enyan Denkyira | BSD/RB/8 | 09/01/1980 |
| 4 | Gomoa Community Bank Ltd. | Apam | BSD/RB/9 | 11/01/1980 |
| 5 | Kakum Rural Bank Ltd. | Elmina | BSD/RB/10 | 09/02/1980 |
| 6 | Nyankumase Ahenkro Rural Bank Ltd. | Fante-Nyankumase | BSD/RB/27 | 03/07/1981 |
| 7 | Union Rural Bank Ltd. | Senya Bereku | BSD/RB/40 | 17/09/1982 |
| 8 | Assinman Rural Bank Ltd. | Assin Manso | BSD/RB/47 | 13/11/1982 |
| 9 | Brakwa Breman Rural Bank Ltd. | Brakwa | BSD/RB/56 | 18/12/1982 |
| 10 | Ayanfuri Rural Bank Ltd.(Denkyiraman) | Ayanfuri | BSD/RB/58 | 28/04/1983 |
| 11 | Akatakyiman Rural Bank Ltd. | Komenda | BSD/RB/65 | 30/08/1983 |
| 12 | Ekumfiman Rural Bank Ltd. | Essuehyia | BSD/RB/71 | 23/09/1983 |
| 13 | Agona Rural Bank Ltd. | Kwannyaku | BSD/RB/73 | 07/10/1983 |
| 14 | Akyempim Rural Bank Ltd. | Gomoa-Dawurampong | BSD/RB/84 | |
| 15 | Akoti Rural Bank Ltd. | Assin-Akropong | BSD/RB/92 | 28/09/1984 |
| 16 | Twifu Rural Bank Ltd. | Twifo-Agona | BSD/RB/100 | 30/11/1984 |
| 17 | Awutu Emasa Rural Bank Ltd. | Awutu Bereku | BSD/RB/103 | 14/12/1984 |
| 18 | Bawjiase Area Rural Bank Ltd. | Bawjiase | BSD/RB/106 | 06/09/1985 |
| 19 | Odupon Kpehe | Kasoa | BSD/RB/135 | 2001 |
| 20 | Microfin Rural Bank | Gomoa | BSD/RB/158 | Nov-13 |
| NORTHERN REGION | ||||
| 1 | Bonzali Rural Bank | Kumbungu | BSD/RB/121 | 30/04/1990 |
| 2 | Tisungtaaba (East Mamprusi) | Gambaga | BSD/RB/122 | 02/05/1990 |
| 3 | West Mamprusi Rural bank(Bangmarigu) | Walewale | BSD/RB/124 | |
| 4 | Borimanga Rural Bank | Savelugu | BSD/RB/138 | 2007 |
| 5 | Buuwuloso One Stop Rural Bank | Damongo | BSD/RB/144 | 2008 |
| 6 | Tizaa Rural Bank | Gushegu | BSD/RB/152 | 2008 |
| 7 | Zabzugu Rural Bank | Zabzugu Tatale | BSD/RB/155 | 2010 |
| EASTERN REGION | ||||
| 1 | Asuopra Rural Bank Ltd.(North Birim) | Afosu | BSD/RB/3 | 24/05/1977 |
| 2 | Manya Krobo Rural Bank Ltd. | Odumase-Krobo | BSD/RB/5 | 10/09/1978 |
| 3 | Akwapim Rural Bank ltd. | Mamfe | BSD/RB/12 | 29/08/1980 |
| 4 | Kwahu Rural Bank Ltd. | Pepease | BSD/RB/13 | 05/09/1980 |
| 5 | Anum Rural Bank Ltd. | Anum | BSD/RB/22 | 10/04/1981 |
| 6 | South Birim Rural Bank Ltd. | Achiase | BSD/RB/31 | 31/07/1981 |
| 7 | Upper Manya Kro Rural Bank Ltd. | Asesewa | BSD/RB/36 | 30/03/1982 |
| 8 | Kwahu Praso Rural Bank Ltd. | Kwahu Praso | BSD/RB/44 | 08/10/1982 |
| 9 | Atiwa Rural Bank Ltd. | Kwabeng | BSD/RB/48 | 19/11/1982 |
| 10 | Mumuadu Rural Bank Ltd. | Osino | BSD/RB/49 | 26/11/1982 |
| 11 | Afram Rural Bank Ltd. | Tease | BSD/RB/54 | 11/12/1982 |
| 12 | Mponua Rural Bank Ltd. | Amuana Praso | BSD/RB/70 | 16/09/1983 |
| 13 | Akim Bosome Rural Bank Ltd. | Akim Swedru | BSD/RB/74 | 15/10/1983 |
| 14 | Kwaebibirim Rural Bank Ltd. | Asuom | BSD/RB/90 | 21/09/1984 |
| 15 | Akyem Mansa Rural Bank Ltd. | Ayirebi | BSD/RB/91 | 22/09/1984 |
| 16 | South Akim Rural Bank Ltd. | Nankese | BSD/RB/97 | 02/11/1984 |
| 17 | Odwen-Anoma Rural Bank Ltd. | Hweehwee | BSD/RB/110 | 05/06/1987 |
| 18 | Dumpong Rural Bank Ltd. | Asakraka | BSD/RB/118 | 29/04/1988 |
| 19 | Adonten Community Bank Ltd. | New Tafo | BSD/RB/128 | |
| 20 | Asuogyaman Rural Bank Ltd | Akosombo | BSD/RB/143 | 2007 |
| 21 | Citizens Rural Bank Ltd | Nsawam | BSD/RB/150 | 2007 |
| 22 | Fanteakwa Rural Bank | Begoro | BSD/RB/148 | 18/07/2008 |
| 23 | Suhum Rural Bank Ltd | Suhum | BSD/RB/164 | 2014 |
| GREATER ACCRA REGION | ||||
| 1 | Shai Rural Bank Ltd. | Dodowa | BSD/RB/17 | 02/10/1980 |
| 2 | Ada Rural Bank Ltd. | Kasseh | BSD/RB/37 | 13/08/1982 |
| 3 | Dangbe Rural Bank Ltd. | Prampram | BSD/RB/39 | 03/09/1982 |
| 4 | Ga Rural Bank Ltd. | Amasaman | BSD/RB/104 | 21/12/1984 |
| 5 | Abokobi Rural Bank Ltd. | Abokobi | BSD/RB/105 | 15/02/1985 |
| 6 | La Community Bank Ltd. | Labadi | BSD/RB/115 | 03/11/1987 |
| 7 | Oyibi Area Rural Bank | Oyibi | BSD/RB/163 | Jan-12 |
| BRONG AHAFO REGION | ||||
| 1 | Kintampo Rural Bank Ltd. | Kintampo | BSD/RB/7 | 14/12/1979 |
| 2 | Wamfie Rural Bank Ltd. | Wamfie | BSD/RB/30 | 16/09/1981 |
| 3 | Suma Rural Bank Ltd. | Suma Ahenkro | BSD/RB/41 | 29/09/1982 |
| 4 | Baduman Rural Bank Ltd. | Badu | BSD/RB/42 | 01/10/1982 |
| 5 | Asutifi Rural Bank Ltd. | Acherensua | BSD/RB/50 | 02/12/1982 |
| 6 | Nkoranza Kwabre Rural Bank ltd. | Akuma | BSD/RB/60 | 20/05/1983 |
| 7 | Fiagya Rural Bank Ltd. | Busunya | BSD/RB/61 | 14/07/1983 |
| 8 | Bomaa Rural Bank Ltd. | Bomaa | BSD/RB/68 | 10/09/1983 |
| 9 | Nsoatreman Rural Bank Ltd. | Nsoatre | BSD/RB/95 | 27/10/1984 |
| 10 | Derma Area Rural Bank Ltd. | Derma | BSD/RB/101 | 06/12/1984 |
| 11 | Yapra Rural Bank Ltd. | Prang | BSD/RB/102 | 08/12/1984 |
| 12 | Nkoranman Rural Bank Ltd. | Seikwa | BSD/RB/114 | 05/09/1987 |
| 13 | Amantin & Kasei | Amanten | BSD/RB/129 | |
| 14 | Ahafo Community | Kukum | BSD/RB/133 | |
| 15 | Nafana | Sampa | BSD/RB/134 | 09/10/2000 |
| 16 | Drobo Community | New Drobo | BSD/RB/130 | |
| 17 | Atweaban Rural Bank Ltd | Duayaw-Nkwanta | BSD/RB/142 | /2007 |
| 18 | Capital Rural Bank Ltd | Abesim | BSD/RB/136 | 05/11/2003 |
| 19 | Nkrankwanta Rural Bank Ltd. | Duayaw Nkwanta | BSD/RB/146 | 14/01/2009 |
| 20 | Bomosadu Rural Bank Ltd | Berekum | BSD/RB/162 | 2013 |
| 21 | Wenchi Rural Bank Ltd | Wenchi | BSD/RB/154 | 2010 |
| 22 | Tepaman Rural Bank | Tepa | OFISD/RB/156 | 2013 |
| WESTERN REGION | ||||
| 1 | Ankobra West Rural Bank Ltd. | Esiama | BSD/RB/4 | 10/06/1977 |
| 2 | Amenfiman Rural Bank Ltd. | Wassa-Akropong | BSD/RB/16 | 16/09/1980 |
| 3 | Nzema Manle Rural Bank Ltd. | Awiebo | BSD/RB/21 | 03/04/1981 |
| 4 | Jomoro Rural Bank Ltd. | Tikobo No. 1 | BSD/RB/33 | 13/11/1981 |
| 5 | Asawinso Rural Bank Ltd. | Sefwi-Asawinso | BSD/RB/59 | 30/04/1983 |
| 6 | Lower Pra Rural Bank Ltd. | Shama | BSD/RB/66 | 31/08/1983 |
| 7 | Fiaseman Rural Bank Ltd. (Bogoso) | Bogoso | BSD/RB/81 | 04/11/1983 |
| 8 | Lower Amenfi (Mansoman) Rural Bank Ltd. | Manso Amenfi | BSD/RB/85 | 10/08/1984 |
| 9 | Ahantaman Rural Bank Ltd. | Agona Nkwanta | BSD/RB/99 | 23/11/1984 |
| 10 | Upper Amenfi Rural Bank Ltd. | Ankwanso | BSD/RB/112 | 18/08/1987 |
| 11 | Kaaseman Rural Bank Ltd. | Kaase | BSD/RB/116 | 12/11/1987 |
| 12 | Bia-Torya Community Bank | Bonsu Nkwanta | BSB/RB/125 | |
| 13 | Western Rural Bank Ltd. | Sekondi | BSD/RB/139 | |
| 14 | Sefwiman Rural Bank Ltd. | Bibiani | BSD/RB/159 | |
| UPPER WEST REGION | ||||
| 1 | Nandom Rural Bank Ltd. | Nandom | BSD/RB/29 | 11/07/1981 |
| 2 | Sonzele Rural Bank Ltd. | Jirapa | BSD/RB/82 | 24/11/1983 |
| 3 | Sissala Rural Bank Ltd. | Tumu | BSD/RB/138 | 17/12/2004 |
| 4 | Lawra Rural Bank Ltd | Lawra | BSD/RB/145 | 04/09/2006 |
| VOLTA REGION | ||||
| 1 | Amuga (North Tongu) Rural Bank Ltd.(Amuga) | Adidome | BSD/RB/18 | 16/10/1980 |
| 2 | Asubonten Rural Bank Ltd. | Worawora | BSD/RB/19 | 28/11/1980 |
| 3 | Avenor Rural Bank Ltd. | Akatsi | BSD/RB/24 | 15/05/1981 |
| 4 | Unity Rural Bank Ltd. | Ziope | BSD/RB/79 | 28/10/1983 |
| 5 | North Volta (Guaman) Rural Bank Ltd. | Guaman | BSD/RB/80 | 29/10/1983 |
| 6 | Weto Rural Bank Ltd. | Kpeve | BSD/RB/88 | 31/10/1984 |
| 7 | Agave Rural Bank | Dabala | BSD/RB/108 | 20/02/1987 |
| 8 | Mepe Area Rural Bank Ltd. | Mepe | BSD/RB/123 | 10/08/1991 |
| 9 | Anlo Rural Bank | Keta | BSD/RB/132 | 31/01/2001 |
| 10 | Butawu Rural Bank Ltd | Tsito | BSD/RB/151 | 2007 |
| 11 | Gbi Rural Bank Ltd. | Hohoe | BSD/RB/160 | 2008 |
| 12 | Kpassa Rural Bank Ltd. | Kpassa | BSD/RB/161 | 2009 |
| 13 | Kaakye Rural Bank Ltd. | Kete Krachi | OFISD/RB/165 | 21/10/2015 |
This list changes as new ones are licensed and others phase out of the system for reasons including withdrawal of license, filing of bankruptcy, dissolution and others.
It is advisable to know if your rural or community bank in Ghana is in good standing before you begin or continue your banking relationship.