Independence Bank of Kentucky: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans climbed 362.53 percentage points in Q2 2026, from 495.64% to 858.17%. It was the largest change from Q1 2026 among the key lines here. Within Kentucky, Independence Bank of Kentucky is 71st of 119 on return on assets, 1.16% as of Q2 2026, below the middle of the field. Independence Bank of Kentucky reported 1.16% on return on assets for Q2 2026, 0.12 points below the 1.28% median for banks in the $1B-10B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 9.35% |
| Equity capital to assets | 8.33% |
| Tangible equity to tangible assets | 8.33% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.12% |
| Non-performing assets ratio | 0.07% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.77% |
| Allowance for credit losses to loans | 1.04% |
| Reserve coverage of non-performing loans | 858.17% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.16% |
| Return on equity | 13.82% |
| Net interest margin | 2.70% |
| Efficiency ratio | 62.26% |
| Yield on earning assets | 4.76% |
| Cost of funds | 2.21% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 70.52% |
| Core deposits to total deposits | 92.90% |
| Brokered deposits to total deposits | 1.24% |
| Deposits to assets | 78.85% |
| Securities to assets | 37.44% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 11.26% | 11.26% | 12.03% | 7.58% | 0.35% |
| Q4 2023 | 10.95% | 10.95% | 11.71% | 7.40% | 0.32% |
| Q1 2024 | 11.16% | 11.16% | 11.91% | 7.41% | 0.33% |
| Q2 2024 | 11.41% | 11.41% | 12.15% | 7.68% | 0.96% |
| Q3 2024 | 12.65% | 12.65% | 13.38% | 8.54% | 0.39% |
| Q4 2024 | 12.49% | 12.49% | 13.24% | 8.60% | 0.56% |
| Q1 2025 | 12.49% | 12.49% | 13.23% | 8.60% | 0.65% |
| Q2 2025 | 12.66% | 12.66% | 13.43% | 8.55% | 0.71% |
| Q3 2025 | 12.62% | 12.62% | 13.42% | 8.85% | 0.81% |
| Q4 2025 | 13.03% | 13.03% | 13.87% | 8.92% | 1.00% |
| Q1 2026 | — | — | — | 9.21% | 1.12% |
| Q2 2026 | — | — | — | 9.35% | 1.16% |
Independence Bank of Kentucky vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Independence Bank of Kentucky, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)