Bank Comparison
Independence Bank of Kentucky vs Central Bank & Trust Company
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
7 · 14
winning metrics across 21 comparable rows
Capital adequacy
| Metric | Independence Bank of Kentucky | Central Bank & Trust Company |
|---|---|---|
| CET1 Ratio | — | 15.02% |
| Tier 1 Capital Ratio | — | 15.02% |
| Total Capital Ratio | — | 16.01% |
| Tier 1 Leverage Ratio | 9.21% | 12.35% |
| Equity / Assets | 8.15% | 12.28% |
Profitability
| Metric | Independence Bank of Kentucky | Central Bank & Trust Company |
|---|---|---|
| Return on Assets (ROA) | 1.12% | 1.24% |
| Return on Equity (ROE) | 13.72% | 10.02% |
| Net Interest Margin (NIM) | 2.64% | 3.96% |
| Yield on Earning Assets | 4.65% | 5.34% |
| Cost of Funds | 2.13% | 1.54% |
Asset quality
| Metric | Independence Bank of Kentucky | Central Bank & Trust Company |
|---|---|---|
| Texas Ratio | 1.35% | 3.92% |
| Non-Performing Loan Ratio | 0.21% | 0.64% |
| Non-Performing Asset Ratio | 0.12% | 0.47% |
| Net Charge-Off Ratio | 0.00% | 0.04% |
| ACL / Loans | 1.06% | 0.98% |
Balance sheet
| Metric | Independence Bank of Kentucky | Central Bank & Trust Company |
|---|---|---|
| Total Assets | $3,794M | $3,992M |
| Total Deposits | $3,112M | $3,114M |
| Total Loans | $2,067M | $2,941M |
| Total Equity | $309,349K | $490,379K |
| Net Income (quarter) | $10,500K | $12,189K |
Liquidity & funding
| Metric | Independence Bank of Kentucky | Central Bank & Trust Company |
|---|---|---|
| Loan-to-Deposit Ratio | 66.42% | 94.43% |
| Core Deposit Ratio | 94.34% | 87.44% |
| Uninsured Deposit Ratio | 42.20% | 34.91% |
Identity
| Metric | Independence Bank of Kentucky | Central Bank & Trust Company |
|---|---|---|
| Headquarters City | OWENSBORO | LEXINGTON |
| Headquarters State | KY | KY |
| Asset Tier | Large | Large |
| Charter Class | 0 | 0 |
| Regulator | FED | FDIC |
| Domestic Branches | 26 | 28 |
| Employees (FTE) | 404 | 518 |
| Established | Jan. 1, 1909, midnight | April 15, 1938, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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