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Independent Correspondent Bankers' Bank, Inc.
Frankfort, KY · FDIC Certificate #27219 · Chartered 04/1
Total assets
$151.38M
Total deposits
$82.54M
Total equity
$21.11M
Net loans
$81.45M
Branches (offices)
1
Net income (YTD)
$530.00K
Rank: #3,296 of 4,213 U.S. banks by assets · #94 of 120 in Kentucky. Assets changed 6.7% and deposits 25.9% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.73% |
| Return on equity | 5.08% |
| Net interest margin (YTD) | 3.37% |
| Equity to assets | 13.94% |
| Tier 1 leverage ratio | 13.21% |
| Uninsured deposits (share of deposits) | 21.0% |
| Noncurrent loans (share of loans) | 0.99% |
| Net charge-offs (share of loans) | -0.00% |
| Loans to deposits | 98.7% |
| Real estate loans (share of loans) | 72.5% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $59.09M | 72.5% | |
| Commercial & industrial | $5.43M | 6.7% | |
| Consumer / individual | $347.00K | 0.4% | |
| Construction & development | $8.92M | 11.0% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $127.99M | $49.37M | $219.00K | $17.12M |
| Jun 2023 | $187.01M | $63.67M | $547.00K | $17.95M |
| Jun 2024 | $144.78M | $56.66M | $413.00K | $18.66M |
| Jun 2025 | $141.91M | $65.55M | $696.00K | $19.96M |
| Jun 2026 | $151.38M | $82.54M | $530.00K | $21.11M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Kentucky | $82.54M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $82.54M.
Similar-sized banks
1St Federal Savings Bank Of Sc, Inc. ($151.55M) · Schuyler Savings Bank ($151.21M)
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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