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BDI
IB

Independence Bank of Kentucky

Owensboro, KentuckyFDIC Cert #8136

STATEEstablished 190926 branches

Holding company: INDEPENDENCE BANCSHARES INCRegulator: FED

FDICCERT + OFFDOM

Balance sheet & income statement

Financials

Reported balance-sheet positions and year-to-date earnings from the latest FDIC Call Report.

As of Q1 2026

Balance sheet trend

Assets & deposits

Time range
Reporting mode
Assets and deposits by reporting quarter
QuarterAssetsDeposits
Q2 2021$3.04B$2.64B
Q3 2021$3.06B$2.58B
Q4 2021$3.24B$2.83B
Q1 2022$3.29B$2.92B
Q2 2022$3.31B$2.9B
Q3 2022$3.4B$2.83B
Q4 2022$3.47B$2.9B
Q1 2023$3.63B$3.12B
Q2 2023$3.62B$2.88B
Q3 2023$3.66B$3.08B
Q4 2023$3.72B$3.19B
Q1 2024$3.71B$3.05B
Q2 2024$3.72B$2.94B
Q3 2024$3.73B$2.99B
Q4 2024$3.74B$3.15B
Q1 2025$3.8B$3.25B
Q2 2025$3.82B$3.16B
Q3 2025$3.81B$3.29B
Q4 2025$3.79B$3.18B
Q1 2026$3.79B$3.11B

Balance sheet

Core assets, funding, and capital reported at quarter end.

Assets
$3.79B
−0.2%y/y
Percentile by value29th percentileby value
Peer standing in FFIEC UBPR Peer Group 3 — Insured commercial banks having assets between $3 billion and $10 billion
FDICASSET
Deposits
$3.11B
−4.2%y/y
Percentile by value26th percentileby value
Peer standing in FFIEC UBPR Peer Group 3 — Insured commercial banks having assets between $3 billion and $10 billion
FDICDEP
Gross loans
$2.07B
−1.1%y/y
Percentile by value8th percentileby value
Peer standing in FFIEC UBPR Peer Group 3 — Insured commercial banks having assets between $3 billion and $10 billion
FDICLNLSGR
Net loans
$2.05B
−1.3%y/y
Percentile by value8th percentileby value
Peer standing in FFIEC UBPR Peer Group 3 — Insured commercial banks having assets between $3 billion and $10 billion
FDICLNLSNET
Securities
$1.43B
−1.4%y/y
Percentile by value81st percentileby value
Peer standing in FFIEC UBPR Peer Group 3 — Insured commercial banks having assets between $3 billion and $10 billion
FDICSC
Cash
$182M
+29.6%y/y
Percentile by value35th percentileby value
Peer standing in FFIEC UBPR Peer Group 3 — Insured commercial banks having assets between $3 billion and $10 billion
FDICCHBAL
Liabilities
$3.48B
−0.9%y/y
Percentile by value31st percentileby value
Peer standing in FFIEC UBPR Peer Group 3 — Insured commercial banks having assets between $3 billion and $10 billion
FDICLIAB
Equity
$309M
+8.4%y/y
Peer standing9th percentile
Peer standing in FFIEC UBPR Peer Group 3 — Insured commercial banks having assets between $3 billion and $10 billion
FDICEQ

Income statement

Year-to-date reported earnings and core revenue components.

Revenue
$29.5M
+18.5%y/y
Peer standing6th percentile
Peer standing in FFIEC UBPR Peer Group 3 — Insured commercial banks having assets between $3 billion and $10 billion
FDICNIM + NONII
NII
$23.4M
+19.8%y/y
Peer standing6th percentile
Peer standing in FFIEC UBPR Peer Group 3 — Insured commercial banks having assets between $3 billion and $10 billion
FDICNIM
Noninterest income
$6.1M
+13.7%y/y
Peer standing36th percentile
Peer standing in FFIEC UBPR Peer Group 3 — Insured commercial banks having assets between $3 billion and $10 billion
FDICNONII
Provision
$0
−100.0%y/y
Percentile by value17th percentileby value
Peer standing in FFIEC UBPR Peer Group 3 — Insured commercial banks having assets between $3 billion and $10 billion
FDICELNATR
Pretax income
$10.5M
+69.0%y/y
Peer standing12th percentile
Peer standing in FFIEC UBPR Peer Group 3 — Insured commercial banks having assets between $3 billion and $10 billion
FDICPTAXNETINC
Net income
$10.5M
+69.0%y/y
Peer standing21st percentile
Peer standing in FFIEC UBPR Peer Group 3 — Insured commercial banks having assets between $3 billion and $10 billion
FDICNETINC