Independent Correspondent Bankers' Bank, Inc.
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Data as of · sourced from FFIEC call reports. How we update
Independent Correspondent Bankers' Bank, Inc. is an FDIC-insured commercial bank headquartered in Frankfort, KY, supervised by the Federal Reserve, with $151.4M in total assets at Q2 2026, up 6.7% from Q2 2025, the 94th largest of 120 banks headquartered in Kentucky. It was established in 1988 and holds FDIC certificate 27219. Its CET1 capital ratio was 22.65% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 27219
- Headquarters
- Frankfort, KY
- Established
- 1988
- Total assets, Q2 2026
- $151.4M
- Assets vs Q2 2025
- +6.7%
- CET1 ratio, Q2 2026
- 22.65%
- Domestic offices
- 1 · Independent Correspondent Bankers' Bank, Inc. branches FDIC institution directory, current count
- Routing number
- 083901896
- Safety and soundness
- Is Independent Correspondent Bankers' Bank, Inc. safe?
- Latest call report
- Q2 2026, FFIEC 051 · Independent Correspondent Bankers' Bank, Inc. Q3 2026 call report, filed October 26, 2026 (preliminary)
- Holding company
- INDEPENDENT COMMUNITY BANCORP, INC.
- Asset rank in state
- 94th of 120 in Kentucky
Problem loans are rising at Independent Correspondent Bankers' Bank, Inc.. The Frankfort, Kentucky bank had $151 million in assets at June 30, 2026, up 6.7% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.99% of loans from 0.00% a year earlier. It grew deposits 25.9% over the year, 6.4 times the median of 4.1% for the 2,627 banks with $100 million to $1 billion in assets. It also spends about 80 cents to bring in each dollar of revenue, higher than about three-quarters of banks its size (median 61 cents).
Net income for the quarter slipped 21% from a year earlier, to $328,000. Over the same year, loans grew 2.0% and deposits grew 25.9%. Funding is the softer spot: it pays an average of 2.52% on its deposits and borrowings, higher than about three-quarters of banks its size (median 1.80%).
As of June 30, 2026, Independent Correspondent Bankers' Bank, Inc. reported a CET1 capital ratio of 22.65%, a return on assets of 0.82%, a nonperforming-loan ratio of 0.99% and a Texas ratio of 3.67%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Independent Correspondent Bankers' Bank, Inc. is the 94th largest of the 120 banks headquartered in Kentucky. Between Q1 2026 and Q2 2026, its total assets rose 6.7% to $151.4M, loans fell 4.7% and deposits fell 19.4%. Its loan book on June 30, 2026 was led by non-owner-occupied commercial real estate loans, at 26.6% of total loans, followed by loans to nondepository financial institutions at 19.6%. Its one office in the FDIC Summary of Deposits is in Frankfort, KY. By the capital ratios in its Q2 2026 call report, Independent Correspondent Bankers' Bank, Inc. meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 107 Progress Dr, Frankfort, KY 40601
- County
- Franklin
- Metro Area
- Frankfort, KY
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- April 12, 1988
- Former names
- Independent Community Bankers' Bank, Inc. (2022); The Bankers' Bank of Kentucky, Inc. (1995-2022)
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 29
- Domestic deposits
- $82.5M
- Allowance for credit losses
- $1.2M
- Net charge-offs (YTD)
- -$2K
- Average total assets
- $160.1M
- Average total loans
- $85.7M
- Average interest-bearing deposits
- $48.5M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- April 12, 1988
- FDIC Cert
- 27219
- Fed RSSD
- 1187551
- SEC CIK
- 1278627 → filed by INDEPENDENT COMMUNITY BANCORP, INC.
- Website
- www.icbb.bank →
- Parent Holding Company
- INDEPENDENT COMMUNITY BANCORP, INC. (RSSD 1248005)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Independent Correspondent Bankers' Bank, Inc.'s total assets ran between $131.0M (Q3 2023) and $151.7M (Q1 2024), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$151.4M total assets against $141.9M; $130.3M total liabilities against $121.9M.
$81.5M net loans and leases against $79.9M; $82.5M total deposits against $65.5M.
$9.2M securities against $1.3M; $58.0M cash and balances due against $57.9M.
$2.1M total interest income against $2.1M; $845K total interest expense against $913K.
$1.3M net interest income against $1.2M.
$524K total noninterest income against $600K; $1.4M total noninterest expense against $1.2M.
$0 provision for credit losses against $16K.
$328K net income against $413K.
0.82% return on assets against 1.13%; 3.24% net interest margin against 3.28%.
22.65% CET1 capital ratio against 22.23%; 13.21% tier 1 leverage ratio against 13.72%.
Inside the full Independent Correspondent Bankers' Bank, Inc. terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
Independent Correspondent Bankers' Bank, Inc. rankings
Its closest position to the top of a national ranking is 228 of 2,134, for CET1 ratio; its furthest is 3,255 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.41% (Q3 2024) to 1.18% (Q4 2024) and its net interest margin ran from 2.50% (Q3 2024) to 3.28% (Q2 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 22.65% | 0.82% | 0.99% | 3.67% | 3.24% |
| Q1 2026 | 21.32% | 0.49% | 0.96% | 3.78% | 2.79% |
| Q4 2025 | 21.14% | 0.79% | 0.96% | 3.87% | 3.16% |
| Q3 2025 | 22.03% | 1.02% | 1.06% | 4.02% | 3.08% |
| Q2 2025 | 22.23% | 1.13% | 0.00% | 2.91% | 3.28% |
| Q1 2025 | 20.27% | 0.79% | 1.17% | 4.68% | 2.78% |
| Q4 2024 | 21.22% | 1.18% | 1.24% | 4.75% | 3.08% |
| Q3 2024 | 23.31% | 0.41% | 0.00% | 0.00% | 2.50% |
Swipe the table sideways to see every column.
Branch Network
View the branch → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Independent Correspondent Bankers' Bank, Inc. (main office) | Frankfort , KY | 40601 | $82.5M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in KY, rank 128 of 152 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Independent Correspondent Bankers' Bank, Inc.
What are Independent Correspondent Bankers' Bank, Inc.'s total assets?
As of the Q2 2026 filing, Independent Correspondent Bankers' Bank, Inc. reported total assets of $151.4 million in its FFIEC call report.
Where is Independent Correspondent Bankers' Bank, Inc. headquartered?
It is headquartered in Frankfort, KY, United States.
When was Independent Correspondent Bankers' Bank, Inc. founded?
It was established in 1988, per the FDIC institution directory.
Is Independent Correspondent Bankers' Bank, Inc. FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #27219). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Independent Correspondent Bankers' Bank, Inc.?
Independent Correspondent Bankers' Bank, Inc.'s primary federal regulator is the Federal Reserve.
What is Independent Correspondent Bankers' Bank, Inc.'s CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 22.65% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Independent Correspondent Bankers' Bank, Inc. operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Independent Correspondent Bankers' Bank, Inc.'s Texas Ratio?
Its Texas Ratio is 3.67% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was Independent Correspondent Bankers' Bank, Inc. previously called?
The charter now named Independent Correspondent Bankers' Bank, Inc. has also operated as Independent Community Bankers' Bank, Inc. (2022), The Bankers' Bank of Kentucky, Inc. (1995-2022), per FDIC structure-change records.
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