Independence Bank of Kentucky


Overview / Commentary
270-686-1776
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 348th largest bank in the nation. It was established in 1909 and as of March of 2025, it had grown to 406 employees at 26 locations. Independence Bank of Kentucky has an A health rating.

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Health

Health Grade Components

Overall
FDIC Certificate #8136
Year Established1909
Employees406
Primary RegulatorFED
Profit Margin
Return on Assets - YTD0.66%
Return on Equity - YTD8.75%
Annual Interest Income$41.9MM
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$3.8B$3.71B
LoansQ1 2025vs Q1 2024$2.07B$1.96B
DepositsQ1 2025vs Q1 2024$3.25B$3.05B
Equity CapitalQ1 2025vs Q1 2024$285.3MM$238MM
Loan Loss AllowanceQ1 2025vs Q1 2024$19.4MM$18.6MM
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$2.6MM$5.9MM
Real Estate OwnedQ1 2025vs Q1 2024$1,000K$0
Rates

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