Independence Bank of Kentucky

Overview / Commentary
2425 Frederica Street
Owensboro, KY 42301

Independence Bank of Kentucky is headquartered in OWENSBORO and is the 4th largest bank in the state of Kentucky. It is also the 346th largest bank in the nation. It was established in 1909 and as of December of 2023, it had grown to 414 employees at 28 locations. Independence Bank of Kentucky has a B+ health rating.


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Health Grade Components

FDIC Certificate #8136
Year Established1909
Primary RegulatorFED
Profit Margin
Return on Assets - YTD0.54%
Return on Equity - YTD8.22%
Annual Interest Income$148.4MM
Assets and Liabilities
AssetsQ4 2023vs Q4 2022$3.72B$3.47B
LoansQ4 2023vs Q4 2022$2B$1.83B
DepositsQ4 2023vs Q4 2022$3.19B$2.9B
Equity CapitalQ4 2023vs Q4 2022$231MM$240MM
Loan Loss AllowanceQ4 2023vs Q4 2022$19MM$18MM
Unbacked Noncurrent LoansQ4 2023vs Q4 2022$2.5MM$1.5MM
Real Estate OwnedQ4 2023vs Q4 2022$0$560K

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