INDEPENDENCE BANK OF KENTUCKY

OWENSBORO, KY | Large | Est. Jan. 1, 1909, midnight | FDIC #8136 | RSSD #648242 | FED
Latest Report: 2025-12-31

INDEPENDENCE BANK OF KENTUCKY is aln large FDIC-insured commercial bank headquartered in OWENSBORO, KY, established in Jan. 1, 1909, midnight. As of 2025-12-31, the bank reported total assets of $3.8B and total deposits of $3.2B. Profitability stands at 1.01% ROA and 12.78% ROE, with a net interest margin of 2.67%. The bank's CET1 capital ratio is 13.03%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.18% and a Texas Ratio of 1.18%. FDIC Certificate #8136.

Assets

$3.8B

Deposits

$3.2B

Loans

$2.1B

Equity

$303M

Profitability

Return on Assets (ROA) 1.01%
Return on Equity (ROE) 12.78%
Net Interest Margin (NIM) 2.67%
Yield on Assets 4.96%
Cost of Funds 4.11%

Asset Quality

NPL Ratio 0.18%
Net Charge-Off Ratio 0.03%
Texas Ratio 1.18%
NPA Ratio 0.10%
ACL / Loans 1.04%

Capital & Liquidity

CET1 Ratio 13.03%
Tier 1 Capital 13.03%
Total Capital Ratio 13.87%
Leverage Ratio 8.92%
Loan-to-Deposit 66.44%

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