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Letter portraitLegal landscapeQuarterYTD

Independent Correspondent Bankers' Bank, Inc.

Frankfort, KY · Cert 27219 · Independent Cmty Bcorp Inc.

State charter, Fed member · FED · 1 branch

Q2 2026

$151.4MAssets
$82.6MLoans
$82.5MDeposits
$21.1MEquity
Loan mix
91%RE $63.3M9%C&I $6.0M1%Consumer $0.3MQ3 2024Q2 2026
Deposit mix
48%Interest-bearing $39.8M52%Noninterest $42.7MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 0.73%, down 24 bps year over year; NIM at 3.00%.
  • Asset quality: problem loans at 0.99% of loans (+99 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 13.21%, down 51 bps from a year ago.
  • Funding: loans stand at 100.08% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

0.73%-24 bps YoY

Net Interest Margin (YTD, annualized)

3.00%+6 bps YoY

Efficiency Ratio (YTD, annualized)

81.97%+1,049 bps YoY

Tier 1 Leverage Ratio

13.21%-51 bps YoY

NIM

5.73%Q2 ’245.45%Q2 ’255.18%Q2 ’26+7%+2%

Non-interest income vs. expense

3.17%Q2 ’243.25%Q2 ’253.54%Q2 ’26-14%+35%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.53%0.70%0.79%0.97%0.99%0.95%0.56%0.73%-24 bps
Return on Equity4.12%5.44%5.83%7.11%7.20%6.86%3.90%5.08%-202 bps
Net Interest Margin2.52%2.71%2.70%2.95%2.96%2.90%2.75%3.00%+6 bps
Efficiency Ratio79.96%78.24%74.77%71.47%71.28%72.75%83.60%81.97%+1,049 bps
Non-Interest Burden1.77%1.83%1.63%1.65%1.64%1.69%2.09%2.22%+57 bps
Growth
Asset Growth (YoY)8.07%0.62%-4.76%-1.98%2.40%0.55%-1.73%6.68%+866 bps
Loan Growth (YoY)10.30%0.52%-0.12%0.26%2.14%12.24%4.70%1.96%+170 bps
Deposit Growth (YoY)5.86%10.13%-0.98%15.69%17.59%11.53%49.55%25.93%+1,024 bps
Asset Quality
Nonperforming Loans / Loans0.00%1.24%1.17%0.00%1.06%0.96%0.96%0.99%+99 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.38%1.42%1.35%1.40%1.42%1.32%1.33%1.40%0 bps
Allowance Coverage of NPLsn/a1.1x1.2xn/a1.3x1.4x1.4x1.4xn/a
Capital
Tier 1 Leverage Ratio12.03%12.92%13.59%13.72%13.98%13.56%12.70%13.21%-51 bps
Total Risk-Based Capital24.56%22.31%21.45%23.48%23.28%22.36%22.57%23.90%+42 bps
Equity / Assets13.29%13.39%13.53%14.07%14.02%14.26%14.65%13.94%-12 bps
Liquidity & Funding
Loans / Deposits121.65%114.81%120.98%123.62%105.67%115.55%84.70%100.08%-2,353 bps
Liquid Assets / Assets42.37%39.84%41.27%41.23%42.41%38.48%34.41%39.12%-210 bps
CRE / Total Capitaln/an/an/an/a285%301%289%n/an/a