Independence Bank of Kentucky: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Independence Bank of Kentucky of Owensboro, KY against its peer group of 931 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.16% | 1.46% | -0.30% | 41st below |
| ROAE | 13.82% | 12.71% | +1.11% | 61st above |
| Net Interest Margin | 2.70% | 3.85% | -1.15% | 7th bottom |
| Efficiency Ratio | 62.26% | 57.40% | +4.86% | 38th below |
| PPNR / Avg Assets | 1.18% | 1.88% | -0.70% | 22nd bottom |
| Yield on Earning Assets | 4.76% | 5.72% | -0.96% | 12th bottom |
| Cost of Funds | 2.21% | 2.02% | +0.19% | 36th below |
| Net Interest Spread | 2.21% | 3.18% | -0.97% | 11th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.12% | 1.00% | -0.88% | 87th top |
| NPA / Total Assets | 0.07% | 0.76% | -0.69% | 90th top |
| NCO / Avg Loans | 0.00% | 0.43% | -0.43% | 74th above |
| ACL / Total Loans | 1.04% | 1.31% | -0.27% | 35th below |
| ACL / NPLs (Coverage) | 858.17% | 542.87% | +315.30% | 89th top |
| Texas Ratio | 0.77% | 7.40% | -6.63% | 90th top |
| Provision / NCO | 8750.00% | 604.35% | +8145.65% | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 9.35% | 11.44% | -2.09% | 19th bottom |
| Equity / Assets | 8.33% | 11.34% | -3.01% | 10th bottom |
| TCE / Tangible Assets | 8.33% | 10.50% | -2.17% | 17th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 70.52% | 86.98% | -16.46% | 85th top |
| Core Deposit Ratio | 92.90% | 85.54% | +7.36% | 73rd above |
| Uninsured Deposit Ratio | 41.24% | 33.11% | +8.13% | 23rd bottom |
| Wholesale Funding Ratio | 12.28% | 5.69% | +6.59% | 10th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 0.12% | 9.70% | -9.58% | 17th bottom |
| Loan Growth (Y/Y) | 1.07% | 8.07% | -7.00% | 23rd bottom |
| Deposit Growth (Y/Y) | -4.41% | 7.89% | -12.30% | 5th bottom |
See Independence Bank of Kentucky's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Independence Bank of Kentucky, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Independence Bank of Kentucky profile, how to read a UBPR, or how this data updates.