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Independence Bank Of Kentucky
Owensboro, KY · FDIC Certificate #8136 · Chartered 01/0
Total assets
$3.83B
Total deposits
$3.02B
Total equity
$318.82M
Net loans
$2.11B
Branches (offices)
26
Net income (YTD)
$21.36M
Rank: #348 of 4,213 U.S. banks by assets · #5 of 120 in Kentucky. Assets changed 0.1% and deposits -4.4% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.12% |
| Return on equity | 13.76% |
| Net interest margin (YTD) | 2.59% |
| Equity to assets | 8.33% |
| Tier 1 leverage ratio | 9.35% |
| Uninsured deposits (share of deposits) | 41.2% |
| Noncurrent loans (share of loans) | 0.12% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 69.8% |
| Real estate loans (share of loans) | 86.0% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $1.81B | 86.0% | |
| Commercial & industrial | $149.50M | 7.1% | |
| Consumer / individual | $5.04M | 0.2% | |
| Construction & development | $119.00M | 5.7% | |
| Agricultural | $156.97M | 7.5% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $3.31B | $2.90B | $23.86M | $244.74M |
| Jun 2023 | $3.62B | $2.88B | $13.40M | $243.17M |
| Jun 2024 | $3.72B | $2.94B | $12.06M | $248.51M |
| Jun 2025 | $3.82B | $3.16B | $13.11M | $286.05M |
| Jun 2026 | $3.83B | $3.02B | $21.36M | $318.82M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Kentucky | $3.02B | 26 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $3.02B.
Similar-sized banks
Capital Bank, National Association ($3.84B) · Bravera Bank ($3.81B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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