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Independence Bank of Kentucky
Independence Bank of Kentucky
RSSD ID 648242 | CERTIFICATE 8136 | ABA NUMBER 83902756
2425 Frederica St Quarter Ended : 2025-03-31
Owensboro, Kentucky, 42301 Updated : 2025-04-29
www.1776bank.com

Institution Profile
Year Opened : 1909 Institution Type : Commercial bank
Entity Type : State Federal Regulator : FED
Member Federal Reserve : Yes S-Corp : Yes
Fiduciary Powers : Yes Powers Exercised : Yes
Filing Type : 041
Specialization : Commercial Lending Specialization
Number of Offices : 26 Number of Employees : 406
Related Company Filings Regulator
 INDEPENDENCE BANCSHARES INC FED

Financial Reports
RC - Balance Sheet Report
RI - Income Statement Report
:· All Financial Reports ...

Financial Fast Facts
Balance Sheet
(USD, in thousands)

Income Statement
(USD, in thousands, ytd)
Total Assets3,801,538
Total Interest Income41,905
Total Liabilities3,516,204
Total NonInterest Income5,365
Total Bank Equity Capital285,334
Total Interest Expense22,389
Total Deposits3,249,246
Total NonInterest Expense18,568
Net Loans & Leases2,071,076
Net Income6,213
Loan Loss Allowance19,366
Net Charge Offs19



Regulatory Capital
Quarterly Averages
(USD, in thousands)
Total capital347,968
Total loans2,077,542
Total assets for the leverage ratio3,819,529
Loans secured by real estate:1,764,151
Tier 1 Leverage Ratio8.6
Commercial and industrial loans155,296
Tier 1 Capital Ratio12.49
Loans to individuals - Credit Cards0
Total Capital Ratio13.23
Loans to individuals - Other5,257





 

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Source of Data: FDIC, FRB, NCUA, OCC, SEC, U.S. Department of the Treasury