Independence Bank of Kentucky
Owensboro, KY · Cert 8136 · Peer group: banks $1B-$10B in assets (n=322-328) · Independence Bancshares Inc.
State charter, Fed member · FED · 26 branches
Q2 2026
$3.8BAssets
$2.1BLoans
$3.0BDeposits
$318.8MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 93% of banks $1B-$10B in assets (rank 26 of 322).
- Widest gap: total risk-based capital ratio trails 99% of banks $1B-$10B in assets (rank 324 of 328).
- Overall: at or above the peer median on 2 of 9 directional measures.
Return on Assets
0.88%
Rank 254 of 328
Net Interest Margin
2.52%
Rank 311 of 328
Efficiency Ratio
64.08%
Rank 215 of 328
Equity / Assets
8.33%
Rank 298 of 328
Non-interest income vs. expense
Unfavorable gap of $51.5M · efficiency ratio beats 35% of banks $1B-$10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.88% | 0.91% | 1.22% | 1.52% | Beats 23% | 254 / 328 | |
| Return on Equity | 10.52% | 8.43% | 11.45% | 14.43% | Beats 41% | 194 / 328 | |
| Net Interest Margin | 2.52% | 3.03% | 3.45% | 3.83% | Beats 5% | 311 / 328 | |
| Efficiency Ratio | 64.08% | 51.61% | 59.56% | 67.53% | Beats 35% | 215 / 328 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.12% | 0.24% | 0.51% | 1.03% | Beats 86% | 46 / 322 | |
| Net Charge-Offs / Loans | 0.00% | 0.01% | 0.03% | 0.10% | Beats 93% | 26 / 322 | |
| Capital |
| Tier 1 Capital Ratio | 9.35% | 11.75% | 13.15% | 15.47% | Beats 2% | 323 / 328 | |
| Total Risk-Based Capital Ratio | 9.35% | 12.63% | 14.15% | 16.46% | Beats 1% | 324 / 328 | |
| Equity / Assets | 8.33% | 9.15% | 10.33% | 12.01% | Beats 9% | 298 / 328 | |
| Liquidity & Funding |
| Loans / Deposits | 70.52% | 76.63% | 87.92% | 95.36% | 16th pctl | 272 / 323 | |
| Loans / Assets | 55.61% | 65.18% | 74.15% | 79.98% | 13th pctl | 287 / 328 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |