Independence Bank of Kentucky

BankOwensboro, Kentucky
www.1776bank.com

Total Assets

$3.8B

Total Deposits

$3.2B

Branches

26

Established

1909

TFS Health Grade

$
D+

67.3 / 100

Below average financial health

How we grade

Independence Bank of Kentucky is a bank headquartered in Owensboro, Kentucky, established in 1909. With $3.8B in total assets and 26 branch locations, it has a TFS Financial Health Grade of D+ (67.3/100).

Capital & Safety

Tier 1 Capital Ratio
8.92%(8%)
Total Capital Ratio
13.87%(10%)
Non-Performing Loan Ratio
0.18%

Profitability

Return on Assets (ROA)
0.80%(1%)
Return on Equity (ROE)
10.45%(10%)
Net Interest Margin
2.35%
Efficiency Ratio
68.97%(60%)

Lending & Liquidity

Total Loans
$2.1B
Loan-to-Deposit Ratio
65.75%
Net Charge-Off Ratio
0.03%

Growth

Asset Growth (YoY)
+1.28%
Deposit Growth (YoY)
+0.79%
Net Income
$30.4M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

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