Independence Bank of Kentucky: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in Loans held for sale: 73.8% lower than in Q1 2026, at $319K. Independence Bank of Kentucky ranks 98th of 120 Kentucky banks on loan-to-deposit ratio, in the lower half at 70.52% (Q2 2026). Independence Bank of Kentucky reported 70.52% on loan-to-deposit ratio for Q2 2026, 17.68 points below the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $2.13B |
| Net loans and leases | $2.11B |
| Loans held for sale | $319K |
| Loans to total assets | 55.61% |
| Loan-to-deposit ratio | 70.52% |
| Net loans to equity capital | 6.60% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 29.53% |
| Multifamily (5+ residential) | 4.87% |
| Commercial and industrial | 7.03% |
| Consumer | 0.24% |
| Credit cards | 0.00% |
| Farm | 12.67% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.02% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 150.79% |
| Construction concentration (Tier 1 capital + allowance) | 31.92% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.07% |
| Interest income on loans | $31.7M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $1.96B | $3.08B | 31.08% | 6.36% | 0.29% |
| Q4 2023 | $2.02B | $3.19B | 30.91% | 6.45% | 0.28% |
| Q1 2024 | $1.98B | $3.05B | 31.40% | 6.27% | 0.29% |
| Q2 2024 | $2.01B | $2.94B | 31.84% | 6.25% | 0.34% |
| Q3 2024 | $2.03B | $2.99B | 30.80% | 7.21% | 0.31% |
| Q4 2024 | $2.07B | $3.15B | 30.81% | 6.70% | 0.26% |
| Q1 2025 | $2.09B | $3.25B | 30.47% | 7.57% | 0.21% |
| Q2 2025 | $2.11B | $3.16B | 30.30% | 8.01% | 0.23% |
| Q3 2025 | $2.13B | $3.29B | 29.89% | 8.32% | 0.19% |
| Q4 2025 | $2.11B | $3.18B | 29.61% | 7.78% | 0.19% |
| Q1 2026 | $2.07B | $3.11B | 29.78% | 7.29% | 0.20% |
| Q2 2026 | $2.13B | $3.02B | 29.53% | 7.03% | 0.24% |
Independence Bank of Kentucky loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Independence Bank of Kentucky, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Independence Bank of Kentucky profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8136) · FFIEC NIC profile (RSSD 648242)