Independent Correspondent Bankers' Bank, Inc.
Frankfort, KY · Cert 27219 · Peer group: banks under $1B in assets in KY (n=69) · Independent Cmty Bcorp Inc.
State charter, Fed member · FED · 1 branch
Q2 2026
$151.4MAssets
$82.6MLoans
$82.5MDeposits
$21.1MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in KY (rank 7 of 69).
- Widest gap: efficiency ratio trails 93% of banks under $1B in assets in KY (rank 65 of 69).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
0.70%
Rank 61 of 69
Net Interest Margin
3.00%
Rank 64 of 69
Efficiency Ratio
81.97%
Rank 65 of 69
Equity / Assets
13.94%
Rank 13 of 69
Non-interest income vs. expense
Unfavorable gap of $3.6M · efficiency ratio beats 7% of banks under $1B in assets in KY | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.70% | 0.83% | 1.18% | 1.44% | Beats 12% | 61 / 69 | | |
| Return on Equity | 5.02% | 7.64% | 11.70% | 15.70% | Beats 13% | 60 / 69 | | |
| Net Interest Margin | 3.00% | 3.45% | 3.75% | 3.96% | Beats 7% | 64 / 69 | | |
| Efficiency Ratio | 81.97% | 55.32% | 62.99% | 70.80% | Beats 7% | 65 / 69 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.99% | 0.18% | 0.52% | 1.14% | Beats 30% | 49 / 69 | | |
| Net Charge-Offs / Loans | 0.00% | 0.01% | 0.02% | 0.06% | Beats 100% | 7 / 69 | | |
| Capital |
| Tier 1 Capital Ratio | 22.65% | 11.33% | 13.58% | 16.27% | Beats 86% | 10 / 69 | | |
| Total Risk-Based Capital Ratio | 23.90% | 11.55% | 14.43% | 17.27% | Beats 86% | 10 / 69 | | |
| Equity / Assets | 13.94% | 8.31% | 9.91% | 12.53% | Beats 81% | 13 / 69 | | |
| Liquidity & Funding |
| Loans / Deposits | 100.08% | 71.40% | 81.07% | 88.03% | 88th pctl | 8 / 69 | | |
| Loans / Assets | 54.57% | 61.10% | 68.66% | 76.68% | 17th pctl | 57 / 69 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |