Bank call report · Owensboro, KY
Independence Bank of Kentucky Call Report
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Independence Bank of Kentucky filed its latest call report for the quarter ended June 30, 2026 on the FFIEC 051. Below are its 375 reported line items, schedule by schedule (403 items filed as zero are left out). The official PDF is on the FFIEC Central Data Repository.
| Call report form | FFIEC 051 |
|---|---|
| Latest quarter filed | Q2 2026 (June 30, 2026) |
| Federal Reserve RSSD ID | 648242 |
| FDIC certificate number | 8136 |
| Total assets | $3.83B |
Official Q2 2026 call report PDF (FFIEC) →
Independence Bank of Kentucky call report by schedule, Q2 2026
Dollar amounts are as filed, in the units the form uses. Each line item links to its definition; each schedule links to the full schedule reference for the FFIEC 051.
Schedule RC: Balance Sheet (28 items)
About Schedule RC · Independence Bank of Kentucky balance sheet trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Assets | RCON2170 | $3.83B |
| Total Liabilities, Limited-life Preferred Stock, and Equity Capital | RCON3300 | $3.83B |
| Total Liabilities and Minority Interest | RCON2948 | $3.51B |
| Total Deposits | RCON2200 | $3.02B |
| Total Interest-bearing Deposits in Foreign and Domestic Offices | RCON6636 | $2.49B |
| Loans and Leases, Net of Unearned Income - Totals | RCONB528 | $2.13B |
| Loans and Leases, Net of Unearned Income and Allowance | RCONB529 | $2.11B |
| Held to maturity securities (ASU 2016-13 adoption) | RCONJJ34 | $1.17B |
| Held-to-maturity Securities, Total | RCON1754 | $1.17B |
| Deposits: Noninterest-bearing | RCON6631 | $522.9M |
| Other Borrowed Money | RCON3190 | $470.0M |
| Total Equity Capital | RCON3210 | $318.8M |
| Total Equity Capital Including Noncontrolling Minority Interests in Consolidated Subsidiaries | RCONG105 | $318.8M |
| Available-for-sale debt securities (from Schedule RC-B, column D) | RCON1773 | $263.4M |
| Surplus | RCON3839 | $189.1M |
| Undivided Profits and Capital Reserves | RCON3632 | $160.2M |
| Interest-bearing Balances | RCON0071 | $121.4M |
| Premises and Fixed Assets (Including Capitalized Leases) | RCON2145 | $81.6M |
| Other Assets | RCON2160 | $61.4M |
| Accumulated Other Comprehensive Income | RCONB530 | -$31.9M |
| Allowance for Loan and Lease Losses | RCON3123 | $22.1M |
| Other Liabilities, Total | RCON2930 | $20.3M |
| Noninterest-bearing Balances and Currency and Coin | RCON0081 | $16.7M |
| Intangible Assets | RCON2143 | $4.1M |
| Federal Funds Sold | RCONB987 | $2.6M |
| Common Stock | RCON3230 | $1.5M |
| Loans and Leases Held for Sale | RCON5369 | $319K |
| Other Real Estate Owned | RCON2150 | $50K |
Schedule RI: Income Statement (45 items)
About Schedule RI · Independence Bank of Kentucky income statement trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Interest Income | RIAD4107 | $84.5M |
| Interest and Fee Income on Loans, Total | RIAD4010 | $62.6M |
| Net Interest Income | RIAD4074 | $47.3M |
| Total Noninterest Expense | RIAD4093 | $38.4M |
| Total Interest Expense | RIAD4073 | $37.2M |
| Interest and Fee Income on All Other Loans Secured by Real Estate | RIAD4436 | $32.4M |
| Salaries and Employee Benefits | RIAD4135 | $23.4M |
| Income (Loss) Before Applicable Income Taxes and Discontinued Operations | RIAD4301 | $21.4M |
| Income (Loss) Before Discontinued Operations | RIAD4300 | $21.4M |
| Income (loss) before change in net unrealized holding gains (losses) on equity securities not held for trading, applicable income taxes, and discontinued operations operations (item 3 plus or minus items 4, 5.m, 6.a, 6.b, and 7.e) | RIADHT69 | $21.4M |
| Net Income (Loss) | RIAD4340 | $21.4M |
| Net Income (Loss) Attributable to Bank and Noncontrolling Minority Interests | RIADG104 | $21.4M |
| Interest and Fee Income on Loans Secured by 1-4 Family Residential Properties | RIAD4435 | $20.4M |
| Interest on Transaction Accounts (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) | RIAD4508 | $16.8M |
| Interest on Other Securities | RIAD4060 | $13.2M |
| Total Noninterest Income | RIAD4079 | $12.7M |
| Other Noninterest Expense | RIAD4092 | $10.9M |
| Savings Deposits (Including Mmdas) | RIAD0093 | $6.6M |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of 250000 or Less | RIADHK03 | $5.7M |
| Interest and Dividend Income on Tax-exempt Securities Issued by States and Political Subdivisions in the U.S. | RIAD4507 | $5.5M |
| Interest and Fee Income on All Other Loans in Domestic Offices | RIAD4058 | $5.1M |
| Other Interest Expense | RIADGW44 | $5.0M |
| Interest and Fee Income on Loans to Finance Agricultural Production and Other Loans to Farmers in Domestic Offices | RIAD4024 | $4.9M |
| Interest and Dividend Income on Securities: Mortgage-backed Securities | RIADB489 | $4.6M |
| Interest and Fee Income on Commercial and Industrial Loans | RIAD4012 | $4.6M |
| Expenses of Premises and Fixed Assets | RIAD4217 | $4.1M |
| Other Noninterest Income | RIADB497 | $4.1M |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of More Than 250000 | RIADHK04 | $3.1M |
| Interest and Dividend Income on Securities: U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RIADB488 | $2.2M |
| Service Charges on Deposit Accounts in Domestic Offices | RIAD4080 | $1.3M |
| Interest Income on Balances Due from Depository Institutions | RIAD4115 | $1.2M |
| Net Servicing Fees | RIADB492 | $747K |
| Other Interest Income | RIAD4518 | $658K |
| Noninterest income: Fees and commissions from securities brokerage, investment banking, advisory, and underwriting activities | RIADHT73 | $579K |
| Net Gains (Losses) on Sales of Loans | RIAD5416 | $279K |
| Noninterest income: Income from insurance activities | RIADHT74 | $234K |
| Provision for Loan and Lease Losses | RIAD4230 | $175K |
| Provisions for Credit Losses on Financial Assets | RIADJJ33 | $175K |
| Net Gains (Losses) Recognized in Earnings on Assets That Are Reported at Fair Value Option | RIADF551 | $158K |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADB486 | $146K |
| Estimated Income on Tax-exempt Loans and Leases to States and Political Subdivisions in the U.S. | RIAD4313 | $24K |
| Net Gains (Losses) on Other Real Estate Owned | RIAD5415 | $20K |
| Interest Income on Federal Funds Sold and Securities Purchased Under Agreements to Resell | RIAD4020 | $17K |
| Net Gains (Losses) on Sales of Other Assets (Excluding Securities) | RIADB496 | -$14K |
| Number of Full Time Equivalent Employees on Payroll at End of Current Period | RIAD4150 | 412 |
Schedule RC-B: Securities (36 items)
About Schedule RC-B · Independence Bank of Kentucky securities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Available-for-sale Amortized Cost | RCONG314 | $82.6M |
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Available-for-sale Fair Value | RCONG315 | $76.4M |
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Held-to-maturity Amortized Cost | RCONG312 | $371.3M |
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Held-to-maturity Fair Value | RCONG313 | $244.2M |
| Pledged Securities | RCON0416 | $1.23B |
| Total Fair Value of Held-to-maturity Securities | RCON1771 | $945.4M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through Fifteen Years | RCONA553 | $599.2M |
| Amortized Cost of Held-to-maturity Securities Issued by States and Political Subdivisions in the U.S. | RCON8496 | $515.0M |
| Fair Value of Held-to-maturity Securities Issued by States and Political Subdivisions in the U.S. | RCON8497 | $466.5M |
| OTHER MORTGAGE-BACKED SECURITIES (INCLUDE CMOs, REMICs, AND STRIPPED MBS) WITH AN EXPECTED AVERAGE LIFE OF OVER THREE YEARS | RCONA562 | $431.1M |
| Total Amortized Cost of Available-for-sale Securities | RCON1772 | $293.3M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing of Over Ffteen Years | RCONA554 | $209.1M |
| US government agency obligations (exclude mortgage-backed securities), Held-to-maturity, Amortized Cost | RCONHT50 | $147.8M |
| Amortized Cost of Other Held-to-maturity Domestic Debt Securities | RCON1737 | $135.0M |
| Amortized Cost of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8498 | $127.2M |
| Fair Value of Other Held-to-maturity Domestic Debt Securities | RCON1738 | $125.8M |
| US government agency obligations (exclude mortgage-backed securities), Held-to-maturity, Fair Value | RCONHT51 | $108.8M |
| Fair Value of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8499 | $104.2M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Three Months of Less | RCONA549 | $104.1M |
| Fair Value of Other Available-for-sale Domestic Debt Securities | RCON1741 | $56.1M |
| Amortized Cost of Other Available-for-sale Domestic Debt Securities | RCON1739 | $55.9M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Years Through Five Years | RCONA552 | $35.8M |
| Fixed Rate and Floating Rate Debt Securities with a Remaining Maturity of One Year or Less | RCONA248 | $24.1M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONA551 | $22.6M |
| Mortgage-backed Securities (Mbs):commercial MBS: Commercial Mortgage Pass-through Securities:issued or Guaranteed by Fnma,fhlmc or GNMA: Available-for-sale Amortized Cost | RCONK144 | $17.6M |
| Mortgage-backed Securities (Mbs):commercial MBS: Commercial Mortgage Pass-through Securities:issued or Guaranteed by Fnma,fhlmc or GNMA: Available-for-sale Fair Value | RCONK145 | $16.7M |
| OTHER MORTGAGE-BACKED SECURITIES (INCLUDE CMOs, REMICs, AND STRIPPED MBS) WITH AN EXPECTED AVERAGE LIFE OF THREE YEARS OR LESS | RCONA561 | $16.6M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONA550 | $14.0M |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Amortized Cost | RCONHT52 | $10.0M |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Fair Value | RCONHT53 | $9.9M |
| Amortized Cost of Structured Notes | RCON8782 | $5.0M |
| Fair Value of Structured Notes | RCON8783 | $3.9M |
| Mortgage backed securities (MBS), Issued or guarnteed by FNMA, FHLMC, or GNMA, Held-to-maturity, Amortized Cost | RCONHT54 | $156K |
| Mortgage backed securities (MBS), Issued or guarnteed by FNMA, FHLMC, or GNMA, Held-to-maturity, Fair Value | RCONHT55 | $156K |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through 15 Years | RCONA559 | $154K |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONA556 | $2K |
Schedule RC-C, Part I: Loans and Leases (38 items)
About Schedule RC-C, Part I · Independence Bank of Kentucky loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Leases, Net of Unearned Income | RCON2122 | $2.13B |
| Pledged Loans and Leases | RCONG378 | $1.67B |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by First Liens | RCON5367 | $538.5M |
| Fixed Rate and Floating Rate Loans and Leases with a Remaining Maturity of One Year or Less | RCONA247 | $468.0M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA573 | $463.9M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA570 | $461.7M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA572 | $348.3M |
| Loans Secured by Other Nonfarm Nonresidential Properties. | RCONF161 | $339.6M |
| Loans Secured by Owner Occupied Nonfarm Nonresidential Properties | RCONF160 | $288.8M |
| Real Estate Loans Secured by Farmland | RCON1420 | $269.6M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA574 | $196.6M |
| Loans to Finance Agricultural Production and Other Loans to Farmers | RCON1590 | $157.0M |
| Commercial and Industrial Loans | RCON1766 | $149.5M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years | RCONA569 | $134.1M |
| Adjustable Rate Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties | RCON5370 | $133.8M |
| Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit | RCON1797 | $133.3M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA567 | $128.2M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA566 | $119.9M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA571 | $114.7M |
| Real Estate Loans Secured by Multi-family (5 or More) Residential Properties | RCON1460 | $103.6M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA568 | $92.7M |
| Loans Secured by Other Construction Loans and All Land Development and Other Land Loans | RCONF159 | $89.4M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA565 | $37.4M |
| Loans Secured by 1-4 Family Residential Construction | RCONF158 | $29.6M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA564 | $25.5M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by Junior Liens | RCON5368 | $18.1M |
| Loans to Nondepository Financial Institutions and Other Loans: Loans to Nondepository Financial Institutions | RCONJ454 | $5.4M |
| Other Consumer Loans to Individuals for Household, Family, and Other Personal Expenditures (Includes Single Payment, Installment, and All Student Loans) | RCONK207 | $3.9M |
| Revolving, open-end lines of credit secured by 1-4 family residential properties that have converted to non-revolving closed-end status that are included in item 1.c(1) above | RCONLE75 | $3.6M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years | RCONA575 | $2.5M |
| Automobile Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper) | RCONK137 | $1.1M |
| Obligations (Other Than Securities and Leases) of States and Political Subdivisions in the U.S. | RCON2107 | $334K |
| Loans Secured by 1-4 Family Residential Properties in Domestic Offices in Process of Foreclosure (Included in Rc-c, Part I, Items 1.C.(1), 1.C.(2)(A), and 1.C.(2)(B) | RCONF577 | $308K |
| Other Loans | RCONJ464 | $215K |
| Total Loan Modifications to Borrowers Experiencing Financial Difficulty That Are in Compliance with Their Modified Terms | RCONHK25 | $114K |
| Loan Modifications to Borrowers Experiencing Financial Difficulty and in Compliance with Modified Terms: Loans Secured by 1-4 Family Residential Properties in Domestic Offices | RCONF576 | $76K |
| Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper): Other Revolving Credit Plans | RCONB539 | $56K |
| Loan Modifications to Borrowers Experiencing Financial Difficulty - Commercial and Industrial Loans | RCONK256 | $38K |
Schedule RC-C, Part II: Loans to Small Businesses and Small Farms (24 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5569 | $125.6M |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5583 | $50.9M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5567 | $39.0M |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5581 | $37.5M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5575 | $29.8M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5573 | $15.6M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5571 | $11.0M |
| Amount Currently Outstanding of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5587 | $10.7M |
| Amount Currently Outstanding of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5589 | $10.3M |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5579 | $9.7M |
| Amount Currently Outstanding of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5585 | $7.4M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5565 | $6.2M |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5570 | 513 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5580 | 348 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5568 | 336 |
| Number of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5584 | 334 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5566 | 322 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5572 | 252 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5578 | 226 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5582 | 198 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5574 | 157 |
| Number of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5586 | 151 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5564 | 150 |
| Number of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5588 | 66 |
Schedule RC-E: Deposit Liabilities (32 items)
About Schedule RC-E · Independence Bank of Kentucky deposit liabilities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Transaction Accounts | RCON2215 | $1.80B |
| Total Demand Deposits (See Note Below) | RCON2210 | $1.54B |
| Total Nontransaction Accounts (Including Mmda's) | RCON2385 | $1.21B |
| Total Transaction Accounts - Deposits of Individuals, Partnerships, and Corporation | RCONB549 | $1.10B |
| Total Nontransaction Accounts Deposits of Individuals, Partnerships, and Corporations | RCONB550 | $1.05B |
| Total Transaction Accounts - Deposits of States and Political Subdivisions in the U.S. | RCON2203 | $697.2M |
| Money Market Deposit Accounts (Mmda's) | RCON6810 | $601.1M |
| Total reciprocal deposits | RCONJH83 | $292.7M |
| Time Deposits of 250000 or Less with a Remaining Maturity of One Year or Less | RCONHK11 | $263.1M |
| Components of Total Nontransaction Accounts: Total Time Deposits of More Than $250,000 | RCONJ474 | $176.7M |
| Time Deposits of More Than $250,000 with a Remaining Maturity of One or Year Less | RCONK222 | $171.8M |
| Components of Total Nontransaction Accounts: Total Time Deposits of $100,000 Through $250,000 | RCONJ473 | $169.7M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK08 | $169.0M |
| Total Nontransaction Accounts of States and Political Subdivisions in the U.S. | RCON2530 | $157.3M |
| Other Nontransaction Savings Deposits (Excludes Mmda's) | RCON0352 | $156.6M |
| Sweep deposits: Fully insured, non-affiliate sweep deposits | RCONMT91 | $126.5M |
| Total sweep deposits that are not brokered deposits | RCONMT95 | $126.5M |
| Total Time Deposits of Less Than $100,000 | RCON6648 | $109.2M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK13 | $99.7M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK07 | $94.2M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK12 | $72.1M |
| Selected Components of Total Deposits, Brokered Deposits of 250000 or Less (Fully Insured Brokered Deposits) | RCONHK05 | $37.5M |
| Selected Components of Total Deposits, Brokered Deposits of 250000 or Less with a Remaining Maturity of One Year or Less | RCONHK06 | $37.5M |
| Total Brokered Deposits | RCON2365 | $37.5M |
| All Time and Savings Deposits Held in IRA and Keogh Plan Accounts | RCON6835 | $30.2M |
| Individual Retirement Accounts (Iras) and Keogh Plan Accounts Included in Memorandum Item 2.C, 'Total Time Deposits of $100,000 or More,' Above | RCONF233 | $14.8M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK09 | $11.6M |
| Total Transaction Accounts - Deposits of Commercial Banks and Other Depository Institutions in the U.S. | RCONB551 | $8.4M |
| Total Nontransaction Accounts of Commercial Banks and Other Depository Institutions in the U.S. | RCONB552 | $4.7M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK14 | $4.4M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Years | RCONHK10 | $4.1M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over Three Years | RCONHK15 | $535K |
Schedule RC-F: Other Assets (5 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Historical Cost of All Other Available-for-sale Equity Securities | RCON1752 | $30.3M |
| Accrued Interest Receivable | RCONB556 | $19.6M |
| Other Assets | RCON2168 | $11.5M |
| Derivatives with a Position Fair Value Held for Purposes Other Than Trading | RCONC010 | $7.6M |
| Prepaid Expenses | RCON2166 | $3.3M |
Schedule RC-G: Other Liabilities (5 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| All Other Liabilities | RCON2938 | $12.4M |
| Operating lease liabilities | RCONLB56 | $10.3M |
| Other Expenses Accrued and Unpaid | RCON3646 | $6.6M |
| Interest Accrued and Unpaid on Deposits (in Domestic Offices) | RCON3645 | $1.2M |
| Allowance for Credit Losses on Off-balance Sheet Credit Exposures | RCONB557 | $150K |
Schedule RC-K: Quarterly Averages (18 items)
About Schedule RC-K · Independence Bank of Kentucky quarterly averages trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Quarterly Average of Total Assets | RCON3368 | $3.75B |
| Quarterly Average of Total Loans | RCON3360 | $2.09B |
| Transaction Accounts (in Domestic Offices) (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) - Quarterly Average | RCON3485 | $1.34B |
| Quarterly Average of All Other Loans Secured by Real Estate | RCON3466 | $1.10B |
| All Other Securities | RCONB560 | $826.0M |
| Nontransaction Accounts in Domestic Offices: Savings Deposits | RCONB563 | $771.0M |
| Quarterly Average of Loans Secured by 1-4 Family Residential Properties | RCON3465 | $687.3M |
| Mortgage-backed Securities | RCONB559 | $466.5M |
| Quarterly Average of Other Borrowed Money | RCON3355 | $308.7M |
| Liabilities, Nontransaction Accounts, Time Deposits of 250000 or Less | RCONHK16 | $291.2M |
| Liabilities, Nontransaction Accounts, Time Deposits of More Than 250000 | RCONHK17 | $173.8M |
| U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RCONB558 | $163.2M |
| Quarterly Average of Commercial and Industrial Loans | RCON3387 | $155.0M |
| Quarterly Average of Loans to Finance Agricultural Production and Other Loans to Farmers | RCON3386 | $144.3M |
| Quarterly Average of Interest-bearing Balances Due from Depository Institutions | RCON3381 | $73.7M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other | RCONB562 | $5.1M |
| Quarterly Average of Federal Funds Sold and Securities Purchased Under Agreements to Resell | RCON3365 | $2.5M |
| Quarterly Average of Federal Funds Purchased and Securities Sold Under Agreements to Repurchase | RCON3353 | $2K |
Schedule RC-L: Derivatives and Off-Balance-Sheet Items (11 items)
About Schedule RC-L · Independence Bank of Kentucky derivatives and off-balance-sheet items trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Gross Notional Amount of Interest Rate Derivative Contracts Held for Purposes Other Than Trading: Contracts Marked to Market | RCON8725 | $2.10B |
| All Other Off-balance Sheet Liabilities | RCON3430 | $240.5M |
| Standby Letters of Credit Issued by a Federal Home Loan Bank on the Bank's Behalf | RCONC978 | $240.5M |
| Unused Commitments - Revolving, Open-end Lines Secured by 1-4 Family Residential Properties | RCON3814 | $152.9M |
| Other Unused Commitments: Commercial and Industrial Loans | RCONJ457 | $152.7M |
| Commercial Real Estate, Other Construction Loan and Land Development Loan Commitments | RCONF165 | $144.2M |
| Other Unused Commitments: All Other Unused Commitments | RCONJ459 | $74.6M |
| 1-4 Family Residential Construction Loan Commitments | RCONF164 | $28.3M |
| Performance Standby Letters of Credit | RCON3821 | $7.3M |
| Other unused commitments: Loans to nondepository financial institutions | RCONPV11 | $2.6M |
| Financial Standby Letters of Credit and Foreign Office Guarantees | RCON3819 | $816K |
Schedule RC-M: Memoranda (7 items)
About Schedule RC-M · Independence Bank of Kentucky memoranda trends
| Line item | Code | Q2 2026 |
|---|---|---|
| FHLB Advances (Loans) Due in One Year or Less | RCON2651 | $470.0M |
| FHLB Advances: Advances with a Remaining Maturity or Next Repricing Date of One Year or Less | RCONF055 | $470.0M |
| Aggregate Amount of All Extensions of Credit to All Executive Officers, Directors, Principal Shareholders, and Their Related Interests | RCON6164 | $24.5M |
| Estimated Fair Value of Mortgage Servicing Assets | RCONA590 | $4.1M |
| Mortgage Servicing Assets | RCON3164 | $4.1M |
| All Other Real Estate Owned: Nonfarm Nonresidential Properties in Domestic Offices | RCON5512 | $50K |
| Number of Executive Officers, Directors, and Principal Shareholders to Whom the Amount of All Extensions of Credit by the Reporting Bank (Including Extensions of Credit to Related Interests) Equals or Exceeds the Lesser of $500,000 or 5 Percent of Total Capital as Defined for This Purpose in Agency Regulations | RCON6165 | 8 |
Schedule RC-N: Past Due and Nonaccrual Loans, Leases, and Other Assets (17 items)
About Schedule RC-N · Independence Bank of Kentucky past due and nonaccrual loans, leases, and other assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Lease Finance Receivables: Nonaccrual | RCON1403 | $2.5M |
| Additions to Nonaccrual Assets | RCONC410 | $1.0M |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-nonaccural | RCONC229 | $638K |
| Commercial and Industrial Loans - Nonaccrual | RCON1608 | $555K |
| Loans Secured by 1-4 Family Residential Properties: Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit - Nonaccrual | RCON5400 | $496K |
| Total Loans and Lease Financing Receivables: Past Due 30-89 Days and Still Accruing | RCON1406 | $482K |
| Loans Secured by Owner-occupied Nonfarm Nonresidential Properties, Nonaccrual | RCONF182 | $424K |
| Nonaccrual Assets Sold During the Quarter | RCONC411 | $405K |
| Loans Secured by Real Estate (in Domestic Offices): Secured by Farmland - Nonaccrual | RCON3495 | $296K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-past Due 30 Thru 89 Days and Still Accruing | RCONC236 | $263K |
| Loans Secured by 1-4 Family Residential Properties: Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit - Past Due 30 Through 89 Days and Still Accruing | RCON5398 | $177K |
| All Other Loans - Nonaccrual | RCON5461 | $39K |
| Loans to Finance Agricultural Production and Other Loans to Farmers - Nonaccrual | RCON1583 | $39K |
| Loans Secured by Real Estate (in Domestic Offices): Secured by Farmland - Past Due 30 Through 89 Days and Still Accruing | RCON3493 | $35K |
| Other Construction Loans and All Land Development and Other Land Loans, Nonaccrual | RCONF177 | $9K |
| Commercial and Industrial Loans - Past Due 30-89 Days and Still Accruing | RCON1606 | $7K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by Junior Liens-nonaccural | RCONC230 | $6K |
Schedule RC-O: Other Data for Deposit Insurance Assessments (13 items)
About Schedule RC-O · Independence Bank of Kentucky other data for deposit insurance assessments trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average Consolidated Total Assets for the Calendar Quarter | RCONK652 | $3.75B |
| Total Deposit Liabilities as Defined in Section 3(1) of the Federal Deposit Insurance Act Before Exclusions | RCONF236 | $3.02B |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF051 | $1.60B |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of $250,000 or Less | RCONF049 | $1.39B |
| Estimated Amount of Uninsured Assessable Deposits in Domestic Offices of the Bank and in Insured Branches in Puerto Rico and U.S. Territories and Possessions, Including Related Interest Accrued and Unpaid | RCON5597 | $1.24B |
| Average Tangible Equity for the Calendar Quarter | RCONK654 | $347.1M |
| Amount of Retirement Deposits Accounts of $250,000 or Less | RCONF045 | $25.8M |
| Amount of Retirement Deposit Accounts of More Than $250,000 | RCONF047 | $4.5M |
| Number of Deposit Accounts (Excluding Retirement Accounts)of $250,000 or Less | RCONF050 | 83,855 |
| Number of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF052 | 1,360 |
| Number of Retirement Deposit Accounts of $250,000 or Less | RCONF046 | 915 |
| Number of Retirement Deposit Accounts of More Than $250,000 | RCONF048 | 15 |
| Averaging Method Used | RCONK653 | 1 |
Schedule RC-P: 1-4 Family Residential Mortgage Banking Activities (2 items)
Schedule RC-R, Part I: Regulatory Capital Components and Ratios (21 items)
About Schedule RC-R, Part I · Independence Bank of Kentucky regulatory capital components and ratios trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Assets | RCOA2170 | $3.83B |
| Average Total Assets (Net of Deductions) | RCOAA224 | $3.75B |
| Average total consolidated assets | RCOAKW03 | $3.75B |
| Total off-balance sheet exposures (sum of items 34.a through 34.c) Report as a dollar amount in Column A and as a percentage of total assets (25% limit) in Column B | RCOAKX82 | $410.6M |
| Off-balance sheet exposures: Unused portion of conditionally cancellable commitments | RCOAKX79 | $402.5M |
| Common Equity Tier 1 Capital | RCOAP859 | $350.7M |
| Subtotal of Common Equity Tier 1 Capital: Adjustments and Deductions | RCOAP852 | $350.7M |
| Tier 1 Capital Allowable Under the Risk-based Capital Guidelines | RCOA8274 | $350.7M |
| Common Equity Tier 1 Capital Before Adjustments and Deductions | RCOAP840 | $318.8M |
| Common Equity Tier 1 Capital: Common Stock Plus Related Surplus, Net of Treasury Stock and Unearned Employee Stock Ownership Plan (ESOP) Shares | RCOAP742 | $190.6M |
| Retained Earnings | RCOAKW00 | $160.2M |
| Unconditionally Cancellable Commitments | RCOAS540 | $152.9M |
| Accumulated Other Comprehensive Income | RCOAB530 | -$31.9M |
| Less: Net Unrealized Gains (Losses) on Available-for-sale Debt Securities (If a Gain, Report as a Positive Value, If a Loss, Report as a Negative Value) | RCOAP844 | -$29.7M |
| Off-balance sheet exposures: Other off-balance sheet exposures | RCOAKX81 | $8.2M |
| Accumulated Net Gains (Losses)on Cash-flow Hedges (If a Gain, Report as a Positive Value, If a Loss, Report as a Negative Value) | RCOAP846 | -$1.3M |
| Less: Net Unrealized Gains (Losses) on Held-to-maturity Securities That Are Included in AOCI (If a Gain, Report as a Positive Value, If a Loss, Report as a Negative Value) | RCOAP848 | -$887K |
| A. AOCI Opt-out Election (Enter '1' for Yes, Enter '0' for No.) | RCOAP838 | 1 |
| Do you qualify for and opt-in to CBLR? | RCOALE74 | 1 |
| Total off-balance sheet exposures (sum of items 15a through 15.c) | RCOAKX83 | 0.1073 |
| Tier 1 Leverage Capital Ratio | RCOA7204 | 0.0935 |
Schedule RC-T: Fiduciary and Related Services (43 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Fiduciary Accounts - Managed Assets | RCONB894 | $2.04B |
| Investment Management Agency Accounts - Managed Assets | RCONB886 | $954.4M |
| Personal Trust and Agency Accounts - Managed Assets | RCONB868 | $704.7M |
| Total Fiduciary Accounts - Non-managed Assets | RCONB895 | $399.8M |
| Fiduciary and Related Assets:individual Retirement Accounts, Health Savings Accounts, and Other Similar Accounts - Managed Assets | RCONJ259 | $293.7M |
| Other Retirement Accounts - Managed Assets | RCONB880 | $293.7M |
| Personal Trust and Agency Accounts - Non-managed | RCONB869 | $243.1M |
| Fiduciary and Related Assets:investment Mgmt and Investment Advisory Agency Accounts -Non-managed Assets | RCONJ253 | $135.9M |
| Employee Benefit-defined Contribution - Managed Assets | RCONB872 | $83.7M |
| Fiduciary and Related Assets:individual Retirement Accounts, Health Savings Accounts, and Other Similar Accounts - Non-managed Asset | RCONJ260 | $44.9M |
| Custody and Safekeeping Accounts - Non-managed Assets | RCONB898 | $43.7M |
| Other Retirement Accounts - Non-managed Assets | RCONB881 | $20.2M |
| Other Fiduciary Accounts - Managed Assets | RCONB890 | $6.4M |
| Income from Fiduciary Activities | RIAD4070 | $5.4M |
| Fiduciary and Related Services Income-investment Management and Investment Advisory Agency Accounts | RIADJ315 | $2.3M |
| Personal Trust and Agency Accounts | RIADB904 | $1.7M |
| Other Retirement Accounts | RIADB907 | $1.1M |
| Fiduciary and Related Assets:foundation and Endowment Trust and Agency Accounts - Managed Assets | RCONJ255 | $893K |
| Employee Benefit-defined Contribution - Non-managed Assets | RCONB873 | $596K |
| Employee Benefit-defined Benefit - Managed Assets | RCONB876 | $260K |
| Employee Benefit-defined Contribution | RIADB905 | $196K |
| Corporate Trust and Agency Accounts - Managed Assets | RCONB884 | $129K |
| Other Fiduciary and Related Services Income | RIADB910 | $38K |
| Custody and Safekeeping Accounts | RIADB909 | $31K |
| Fiduciary and Related Services Income-foundation and Endowment Trust and Agency Accounts | RIADJ316 | $3K |
| Employee Benefit-defined Benefit | RIADB906 | $1K |
| Total Fiduciary Accounts - Number of Managed Accounts | RCONB896 | 1,747 |
| Fiduciary and Related Assets:individual Retirement Accounts, Health Savings Accounts, and Other Similar Accounts - Number of Managed Accounts | RCONJ261 | 791 |
| Other Retirement Accounts - Number of Managed Accounts | RCONB882 | 791 |
| Investment Management Agency Accounts - Number of Managed Accounts | RCONB888 | 568 |
| Personal Trust and Agency Accounts - Number of Managed Accounts | RCONB870 | 324 |
| Custody and Safekeeping Accounts - Number of Non-managed Accounts | RCONB899 | 85 |
| Total Fiduciary Accounts - Non-managed Accounts | RCONB897 | 72 |
| Fiduciary and Related Assets:individual Retirement Accounts, Health Savings Accounts, and Other Similar Accounts - Number of Non-managed Accounts | RCONJ262 | 61 |
| Fiduciary and Related Assets:investment Management and Investment Advisory Agency Accounts - Number of Non-managed Accounts | RCONJ254 | 48 |
| Employee Benefit-defined Contribution - Number of Managed Accounts | RCONB874 | 33 |
| Corporate Trust and Agency Accounts - Number of Managed Accounts | RCONC001 | 26 |
| Personal Trust and Agency Accounts - Number of Non-managed Accounts | RCONB871 | 14 |
| Other Retirement Accounts - Number of Non-managed Accounts | RCONB883 | 9 |
| Fiduciary and Related Assets:foundation and Endowment Trust and Agency Accounts - Number of Managed Accounts | RCONJ257 | 2 |
| Other Fiduciary Accounts - Number of Managed Accounts | RCONB892 | 2 |
| Employee Benefit-defined Benefit - Number of Managed Accounts | RCONB878 | 1 |
| Employee Benefit-defined Contribution - Number of Non-managed Accounts | RCONB875 | 1 |
Schedule RI-A: Changes in Bank Equity Capital (5 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Equity Capital | RIAD3210 | $318.8M |
| Balance End of Previous Calendar Year as Restated | RIADB508 | $302.9M |
| Equity Capital, Most Recently Reported for the End of Previous Calendar Year (I.e., After Adjustments from Amended Reports of Income) | RIAD3217 | $302.9M |
| Cash Dividends Declared on Common Stock | RIAD4460 | $12.0M |
| Other Comprehensive Income | RIADB511 | $6.6M |
Schedule RI-B, Part I: Charge-offs and Recoveries on Loans and Leases (6 items)
About Schedule RI-B, Part I · Independence Bank of Kentucky charge-offs and recoveries on loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Charge-offs on Allowance for Loan and Lease Losses | RIAD4635 | $7K |
| Loans Secured by Owner-occupied Nonfarm Nonresidential Properties: Recoveries | RIADC896 | $5K |
| Recoveries on Allowance for Loan and Lease Losses | RIAD4605 | $5K |
| Charge-offs on Automobile Loans | RIADK129 | $4K |
| Charge-offs on Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit | RIAD5411 | $2K |
| Charge-offs on Commercial and Industrial Loans | RIAD4638 | $1K |
Schedule RI-B, Part II: Changes in Allowances for Credit Losses (3 items)
About Schedule RI-B, Part II · Independence Bank of Kentucky changes in allowances for credit losses trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Allowance for Loan and Lease Losses | RIAD3123 | $22.1M |
| Balance Most Recently Reported for the December 31, 2000, Reports of Condition and Income(i.e., After Adjustments from Amended Report of Income) | RIADB522 | $21.9M |
| Charge-offs on Allowance for Loan and Lease Losses | RIADC079 | $7K |
Schedule RI-C: Disaggregated Data on the Allowance for Credit Losses (13 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Loans and Leases, Held for Investment, Total, Amortized Cost | RCONJJ11 | $2.13B |
| Loans and Leases, Held for Investment, Real estate loans, Commercial real estate loans, Amortized Cost | RCONJJ05 | $1.00B |
| Loans and Leases, Held for Investment, Real estate loans, Residential real estate loans, Amortized Cost | RCONJJ06 | $689.6M |
| Loans and Leases, Held for Investment, Commerical loans, Amortized Cost | RCONJJ07 | $312.4M |
| Loans and Leases, Held for Investment, Real estate loans, Construction loans, Amortized Cost | RCONJJ04 | $119.0M |
| Loans and Leases, Held for Investment, Total, Allowance Balance | RCONJJ19 | $22.1M |
| Loans and Leases, Held for Investment, Real estate loans, Commercial real estate loans, Allowance Balance | RCONJJ13 | $16.4M |
| Loans and Leases, Held for Investment, Other consumer loans, Amortized Cost | RCONJJ09 | $5.0M |
| Loans and Leases, Held for Investment, Real estate loans, Construction loans, Allowance Balance | RCONJJ12 | $2.3M |
| Loans and Leases, Held for Investment, Real estate loans, Residential real estate loans, Allowance Balance | RCONJJ14 | $1.3M |
| Loans and Leases, Held for Investment, Commerical loans, Allowance Balance | RCONJJ15 | $1.2M |
| Loans and Leases, Held for Investment, Unallocated, Allowance Balance | RCONJJ18 | $895K |
| Loans and Leases, Held for Investment, Other consumer loans, Allowance Balance | RCONJJ17 | $21K |
Schedule SU: Supplemental Information (3 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Outstanding Principal Balance of Closed End 1-4 Family Residential Mortgage Loans Serviced for Others Plus the Total Outstanding Principal Balance of Other Financial Assets Serviced for Others If More Than $10 Million | RCONFT12 | $383.0M |
| Aggregate Amount of Fair Value Option Assets | RCONHK18 | $275.2M |
| Aggregate Amount of Fair Value Option Liabilities | RCONHK19 | $2.0M |
Independence Bank of Kentucky call reports on file
Each link opens the bank's filed report on the FFIEC Central Data Repository.
- Q2 2026 call report (quarter ended June 30, 2026)
- Q1 2026 call report (quarter ended March 31, 2026)
- Q4 2025 call report (quarter ended December 31, 2025)
- Q3 2025 call report (quarter ended September 30, 2025)
- Q2 2025 call report (quarter ended June 30, 2025)
- Q1 2025 call report (quarter ended March 31, 2025)
Where can I find the Independence Bank of Kentucky call report?
The Independence Bank of Kentucky call report for the quarter ended June 30, 2026 is on this page, schedule by schedule. The official PDF is on the FFIEC Central Data Repository, linked here for every quarter on file. Call reports are public: anyone can read or download them without an account.
Which call report form does Independence Bank of Kentucky file?
Independence Bank of Kentucky files the FFIEC 051. The FFIEC 031 is for banks with foreign offices, the FFIEC 041 for banks with domestic offices only, and the FFIEC 051 is the streamlined form most domestic banks under $5 billion in total assets may file.
What is the Independence Bank of Kentucky call report number?
A call report has no number of its own. It is filed and looked up by the bank's identifiers: Independence Bank of Kentucky has Federal Reserve RSSD ID 648242 and FDIC certificate number 8136. Either one finds its filings on the FFIEC Central Data Repository.
How often does Independence Bank of Kentucky file a call report?
Every quarter, as of March 31, June 30, September 30 and December 31. The report is due 30 calendar days after the quarter ends, or 35 days for a bank with more than one foreign office.
Independence Bank of Kentucky financial reports and ratios →
New to call reports? What a call report is, every call report code explained, and how the UBPR turns it into ratios.
Regulator records: FDIC BankFind (cert 8136) · FFIEC NIC profile (RSSD 648242)