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Independence Bank of Kentucky
Owensboro, KY·FDIC Cert #8136·Charter: STATE·Est. 19090101.0·HC: INDEPENDENCE BANCSHARES INC
Total Assets
$3.8B
Q4 2025
Return on Assets
0.80%
+0.07%Peer avg: 1.24%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
68.97%
Peer avg: 57.5%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
59
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
0.80%+0.07
ROE
10.45%+0.79
Efficiency
68.97%-2.38
Equity/Assets
0.00%+0.00
NPL Ratio
0.18%-0.03
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
65.75%+1.78
Charge-offs
0.03%+0.03
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 0.3 | 0.6 | 0.6 | 0.6 | 0.7 | 0.7 | 0.7 | 0.8 |
| ROE | 5.2 | 10.1 | 8.4 | 8.2 | 8.8 | 9.2 | 9.7 | 10.4 |
| Efficiency | 84.1 | 70.7 | 74.5 | 74.4 | 74.6 | 72.8 | 71.3 | 69.0 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.3 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | 0.2 | 0.2 |
| Charge-offs | 0.1 | 0.3 | 0.2 | 0.1 | 0.0 | 0.0 | 0.0 | 0.0 |
| Loan/Deposit | 64.1 | 67.7 | 67.3 | 65.0 | 63.7 | 66.1 | 64.0 | 65.8 |
Balance Sheet
Total Assets$3.8B
Total Deposits$3.2B
Total Loans$2.1B
Total Equity$302.9M
Profitability
ROA0.80%
ROE10.45%
Efficiency Ratio68.97%
Net Income$30.4M
Risk & Asset Quality
NPL Ratio0.18%
Charge-off Rate0.03%
Loan/Deposit65.75%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans