Independence Bank of Kentucky

Independence Bank of Kentucky of Owensboro, KY, chartered 1909: 26 offices, $3.83bn in assets, a 9.35% leverage ratio. Straight from the federal record.

Independence Bank of Kentucky is an FDIC-insured community bank headquartered in Owensboro, KY, chartered in 1909. It is supervised by the Federal Reserve and held by Independence Bancshares Inc. Every figure below is filed by the bank with its regulator and reproduced here unchanged.

Where Independence Bank of Kentucky has branches

26 full-service offices across 1 state:

• Kentucky: 26 offices in 17 towns, holding $3.16bn at 30 June 2025

Independence Bank of Kentucky on its latest Call Report, 30 June 2026

• Total assets: $3.83bn
• Total deposits: $3.02bn
• Tier 1 leverage ratio: 9.35%
• Total risk-based capital ratio: 0.00%
• Noncurrent loans, as a share of loans: 0.12%
• Return on assets: 1.12%
• Net interest margin: 2.59%
• Staff: 412

Compare Independence Bank of Kentucky against every other bank with a branch in Kentucky, or find the offices nearest you.

Charter and office records from the FDIC BankFind Suite; capital, loan and earnings figures from the bank's own Call Report; deposits by office from the FDIC Summary of Deposits, counted each 30 June.