INDEPENDENT CORRESPONDENT BANKERS' BANK, INC.

FRANKFORT, KY | Small | Est. April 12, 1988, midnight | FDIC #27219 | RSSD #1187551 | FED
Latest Report: 2025-12-31

INDEPENDENT CORRESPONDENT BANKERS' BANK, INC. is asn small FDIC-insured commercial bank headquartered in FRANKFORT, KY, established in April 12, 1988, midnight. As of 2025-12-31, the bank reported total assets of $145M and total deposits of $76M. Profitability stands at 0.83% ROA and 5.86% ROE, with a net interest margin of 3.55%. The bank's CET1 capital ratio is 21.14%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.96% and a Texas Ratio of 3.87%. FDIC Certificate #27219.

Assets

$145M

Deposits

$76M

Loans

$87M

Equity

$21M

Profitability

Return on Assets (ROA) 0.83%
Return on Equity (ROE) 5.86%
Net Interest Margin (NIM) 3.55%
Yield on Assets 6.29%
Cost of Funds 4.78%

Asset Quality

NPL Ratio 0.96%
Net Charge-Off Ratio 0.00%
Texas Ratio 3.87%
NPA Ratio 0.58%
ACL / Loans 1.32%

Capital & Liquidity

CET1 Ratio 21.14%
Tier 1 Capital 21.14%
Total Capital Ratio 22.36%
Leverage Ratio 13.56%
Loan-to-Deposit 115.55%

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