Independence Bank of Kentucky: Off-Balance-Sheet Exposure
Data as of · Call Report Schedules RC-L and RC-R How we update
Commitments and derivative positions that do not appear in total assets. Notional derivative amounts are reference values, not money at risk. They run to many multiples of the balance sheet at the largest dealer banks.
Derivatives notional to total assets climbed 17.98 percentage points in Q2 2026, from 36.90% to 54.88%. It was the largest change from Q1 2026 among the key lines here.
Commitments
| Line item | Q2 2026 |
|---|---|
| Unused loan commitments | $152.9M |
| Letters of credit | $816K |
Derivatives
| Line item | Q2 2026 |
|---|---|
| Total derivatives, notional | $2.10B |
| Interest rate swaps, notional | $0 |
| Foreign exchange derivatives, notional | — |
| Derivatives notional to total assets | 54.88% |
Notional value is the reference amount a contract is calculated on. It measures activity, not exposure: credit exposure is a small fraction of notional.
Trading positions
| Line item | Q2 2026 |
|---|---|
| Trading account assets | $0 |
| Trading liabilities | $0 |
| Trading assets to total assets | 0.00% |
Off-Balance-Sheet Exposure trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Off-Balance-Sheet Exposure by quarter
| Quarter | Unused commitments | Letters of credit | Derivatives notional / assets |
|---|---|---|---|
| Q3 2023 | $147.1M | $1.0M | 5.47% |
| Q4 2023 | $147.0M | $727K | 13.43% |
| Q1 2024 | $152.5M | $724K | 14.81% |
| Q2 2024 | $149.9M | $763K | 14.79% |
| Q3 2024 | $151.7M | $759K | 16.09% |
| Q4 2024 | $145.8M | $765K | 16.03% |
| Q1 2025 | $142.0M | $740K | 15.78% |
| Q2 2025 | $136.0M | $711K | 36.63% |
| Q3 2025 | $154.4M | $708K | 36.76% |
| Q4 2025 | $153.5M | $823K | 36.92% |
| Q1 2026 | $158.4M | $816K | 36.90% |
| Q2 2026 | $152.9M | $816K | 54.88% |
Independence Bank of Kentucky off-balance-sheet exposure, all the way back
Off-Balance-Sheet Exposure back to 2001 · peer percentiles on every line item · Excel export
Unlock Independence Bank of Kentucky, freeSource: Call Report Schedules RC-L and RC-R, 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)