Branch Network
Independence Bank of Kentucky Locations & Branches Owensboro, Kentucky
BankRegReports is independent of Independence Bank of Kentucky and never asks for online banking logins or passwords.
Independence Bank of Kentucky operates 26 branches from its headquarters in Owensboro, KY, .
Independence Bank of Kentucky branch network
All 26 branches are in KENTUCKY, across 17 cities. Owensboro, KY has the most of its branches, 3. Its largest office by deposits is its main office in Owensboro, KY, with $884.3M (29.3% of its branch deposits). It had the same number of branches on June 30, 2025.
Independence Bank of Kentucky at a glance
It reports no CET1 ratio; its Tier 1 leverage ratio was 9.35% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Total assets, Q2 2026
- $3.83B
- Tier 1 leverage ratio, Q2 2026
- 9.35%
- Deposit insurance
- FDIC
- Regulator
- Federal Reserve
- Latest call report
- Q2 2026, FFIEC 051
- Established
- 1909
Full financial profile · Is Independence Bank of Kentucky safe? · Independence Bank of Kentucky call report · Routing number
Deposit market share
Share of all FDIC-insured deposits held in each area, from the June 30, 2026 Summary of Deposits. Rank 1 is the largest holder. Shares are by bank charter, not by holding company.
| Area | Rank | Deposit share | Deposits |
|---|---|---|---|
| City: Owensboro, KY (3 branches) | 1 of 12 | 34.3% | $1.04B |
| State: KY (26 branches) | 10 of 152 | 2.4% | $3.02B |
Ranked by total assets among banks headquartered in the state: Largest banks in Kentucky.
Share by county and metro area
Independence Bank of Kentucky's share of FDIC-insured deposits in the counties and metro areas where it has branches, from the June 30, 2026 Summary of Deposits. Up to the ten largest of each are shown, by the bank's deposits. Rank 1 is the largest holder. Banks only: credit unions are not in the Summary of Deposits.
Counties
| County | Rank | Deposit share | Deposits | County total |
|---|---|---|---|---|
| Daviess, KY (3 branches) | 1 of 12 | 34.3% | $1.04B | $3.03B |
| Warren, KY (2 branches) | 4 of 22 | 7.8% | $311.5M | $3.99B |
| Mccracken, KY (3 branches) | 5 of 10 | 11.5% | $260.6M | $2.27B |
| Jefferson, KY (1 branch) | 13 of 28 | 0.8% | $254.1M | $32.83B |
| Henderson, KY (2 branches) | 2 of 8 | 18.7% | $217.7M | $1.16B |
| Franklin, KY (2 branches) | 3 of 13 | 11.3% | $135.7M | $1.20B |
| Webster, KY (2 branches) | 1 of 4 | 41.8% | $130.0M | $310.6M |
| Fayette, KY (1 branch) | 19 of 31 | 1.1% | $129.0M | $12.02B |
| Hopkins, KY (2 branches) | 4 of 9 | 10.8% | $112.7M | $1.04B |
| Hancock, KY (2 branches) | 1 of 2 | 52.6% | $98.2M | $186.8M |
Metro areas
| Metro area | Rank | Deposit share | Deposits | Metro total |
|---|---|---|---|---|
| Owensboro, KY (6 branches) | 1 of 15 | 34.8% | $1.21B | $3.46B |
| Louisville-Jefferson County, KY-IN (2 branches) | 17 of 39 | 0.8% | $348.5M | $46.36B |
| Bowling Green, KY (2 branches) | 6 of 22 | 6.4% | $311.5M | $4.84B |
| Paducah, KY-IL (3 branches) | 6 of 15 | 8.7% | $260.6M | $2.99B |
| Evansville, IN-KY (2 branches) | 8 of 18 | 1.5% | $217.7M | $14.80B |
| Frankfort, KY (2 branches) | 4 of 16 | 8.6% | $135.7M | $1.57B |
| Lexington-Fayette, KY (1 branch) | 23 of 36 | 0.8% | $129.0M | $16.02B |
| Madisonville, KY (2 branches) | 4 of 9 | 10.8% | $112.7M | $1.04B |
| Murray, KY (2 branches) | 6 of 10 | 6.4% | $77.3M | $1.21B |
| Mayfield, KY (1 branch) | 4 of 7 | 8.2% | $74.0M | $902.8M |
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Independence Bank of Kentucky (main office) | Owensboro, KY | 42301 | $884.3M |
| St. Matthews Square Branch | Louisville, KY | 40207 | $254.1M |
| Freedom Square Branch | Bowling Green, KY | 42104 | $232.2M |
| Jefferson Square Branch | Paducah, KY | 42001 | $207.9M |
| Liberty Square Branch | Henderson, KY | 42420 | $184.6M |
| Lexington Branch | Lexington, KY | 40507 | $129.0M |
| Capital Square Branch | Frankfort, KY | 40601 | $111.0M |
| Madisonville North Branch | Madisonville, KY | 42431 | $97.4M |
| Shelbyville Branch | Shelbyville, KY | 40065 | $94.4M |
| Parrish Avenue Branch | Owensboro, KY | 42301 | $82.2M |
| Fairview Avenue Branch | Bowling Green, KY | 42101 | $79.3M |
| Revolution Square Branch | Mayfield, KY | 42066 | $74.0M |
| Highway 54 Branch | Owensboro, KY | 42303 | $73.3M |
| Hawesville Branch | Hawesville, KY | 42348 | $71.6M |
| Livermore Branch | Livermore, KY | 42352 | $67.3M |
| Providence Branch | Providence, KY | 42450 | $65.3M |
| Sebree Branch | Sebree, KY | 42455 | $64.7M |
| Patriot Square Branch | Murray, KY | 42071 | $55.5M |
| Highway 60 Branch | Henderson, KY | 42420 | $33.1M |
| Lone Oak Road Branch | Paducah, KY | 42003 | $29.8M |
| Lewisport Branch | Lewisport, KY | 42351 | $26.6M |
| Frankfort West Branch | Frankfort, KY | 40601 | $24.7M |
| New Holt Branch | Paducah, KY | 42001 | $22.9M |
| Glendale Branch | Murray, KY | 42071 | $21.8M |
| East Center Branch | Madisonville, KY | 42431 | $15.3M |
| Russellville Branch | Russellville, KY | 42276 | $15.1M |
Source: FDIC Summary of Deposits, June 30, 2026. How the survey works.
Regulator records: FDIC BankFind (cert 8136) · FFIEC NIC profile (RSSD 648242)