Bank Comparison
Independence Bank of Kentucky vs Cornerstone Capital Bank, Ssb
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
12 · 9
winning metrics across 21 comparable rows
Capital adequacy
| Metric | Independence Bank of Kentucky | Cornerstone Capital Bank, Ssb |
|---|---|---|
| CET1 Ratio | — | 14.60% |
| Tier 1 Capital Ratio | — | 16.06% |
| Total Capital Ratio | — | 16.77% |
| Tier 1 Leverage Ratio | 9.21% | 13.83% |
| Equity / Assets | 8.15% | 10.44% |
Profitability
| Metric | Independence Bank of Kentucky | Cornerstone Capital Bank, Ssb |
|---|---|---|
| Return on Assets (ROA) | 1.12% | -0.35% |
| Return on Equity (ROE) | 13.72% | -2.67% |
| Net Interest Margin (NIM) | 2.64% | 2.70% |
| Yield on Earning Assets | 4.65% | 5.69% |
| Cost of Funds | 2.13% | 2.68% |
Asset quality
| Metric | Independence Bank of Kentucky | Cornerstone Capital Bank, Ssb |
|---|---|---|
| Texas Ratio | 1.35% | 26.66% |
| Non-Performing Loan Ratio | 0.21% | 1.11% |
| Non-Performing Asset Ratio | 0.12% | 0.85% |
| Net Charge-Off Ratio | 0.00% | 0.08% |
| ACL / Loans | 1.06% | 0.69% |
Balance sheet
| Metric | Independence Bank of Kentucky | Cornerstone Capital Bank, Ssb |
|---|---|---|
| Total Assets | $3,794M | $3,798M |
| Total Deposits | $3,112M | $2,568M |
| Total Loans | $2,067M | $2,456M |
| Total Equity | $309,349K | $396,592K |
| Net Income (quarter) | $10,500K | $-2,460 |
Liquidity & funding
| Metric | Independence Bank of Kentucky | Cornerstone Capital Bank, Ssb |
|---|---|---|
| Loan-to-Deposit Ratio | 66.42% | 95.67% |
| Core Deposit Ratio | 94.34% | 94.11% |
| Uninsured Deposit Ratio | 42.20% | 25.28% |
Identity
| Metric | Independence Bank of Kentucky | Cornerstone Capital Bank, Ssb |
|---|---|---|
| Headquarters City | OWENSBORO | HOUSTON |
| Headquarters State | KY | TX |
| Asset Tier | Large | Large |
| Charter Class | 0 | 0 |
| Regulator | FED | FDIC |
| Domestic Branches | 26 | 19 |
| Employees (FTE) | 404 | 1,569 |
| Established | Jan. 1, 1909, midnight | Dec. 6, 1906, 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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