Independence Bank of Kentucky

Overview / Commentary
2425 Frederica Street
Owensboro, KY 42301

Independence Bank of Kentucky is headquartered in Owensboro and is the 5th largest bank in the state of Kentucky. It is also the 366th largest bank in the nation. It was established in 1909 and as of December of 2020, it had grown to 400 employees at 26 locations. Independence Bank of Kentucky has an A health rating.


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Health Grade Components

FDIC Certificate #8136
Year Established1909
Primary RegulatorFED
Profit Margin
Return on Assets - YTD1.55%
Return on Equity - YTD19.27%
Annual Interest Income$112.3MM
Assets and Liabilities
AssetsQ4 2020vs Q4 2019$2.94B$2.60B
LoansQ4 2020vs Q4 2019$1.57B$1.36B
DepositsQ4 2020vs Q4 2019$2.50B$2.06B
Equity CapitalQ4 2020vs Q4 2019$233.8MM$213.4MM
Loan Loss AllowanceQ4 2020vs Q4 2019$16.8MM$13.2MM
Unbacked Noncurrent LoansQ4 2020vs Q4 2019$1.7MM$3.6MM
Real Estate OwnedQ4 2020vs Q4 2019$800.00K$4.0MM

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