Banks | Independence Bank of Kentucky
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Independence Bank of Kentucky


Independence Bank of Kentucky is an FDIC insured institution headquartered at 2425 Frederica St, Owensboro, KY 42301.
It was founded in 1909 and has approximately $4 billion in assets. Customers can open an account at one of its 25 branches.

Deposit Rates - April 30, 2026

SAVINGS RATES APY MIN
Savings
0.10% $2,500 Compare
CD RATES APY MIN
6 Mo CD
0.25% $10,000 Compare
6 Mo CD
0.25% $100,000 Compare
12 Mo CD
0.50% $10,000 Compare
12 Mo CD
0.50% $100,000 Compare
18 Mo CD
0.50% $10,000 Compare
18 Mo CD
0.50% $100,000 Compare
24 Mo CD
0.50% $10,000 Compare
24 Mo CD
0.50% $100,000 Compare
30 Mo CD
0.50% $10,000 Compare
30 Mo CD
0.50% $100,000 Compare
36 Mo CD
0.75% $10,000 Compare
36 Mo CD
0.75% $100,000 Compare
48 Mo CD
0.75% $10,000 Compare
48 Mo CD
0.75% $100,000 Compare
60 Mo CD
0.90% $10,000 Compare
60 Mo CD
0.90% $100,000 Compare
MM RATES APY MIN
Money Market
0.05% $2,500 Compare
Money Market
0.15% $2,500 Compare
Money Market
0.10% $10,000 Compare
Money Market
0.20% $10,000 Compare
Money Market
0.15% $25,000 Compare
Money Market
0.25% $25,000 Compare
INT CHECKING RATES APY MIN
Int Ckg
0.05% $1
Int Ckg
0.20% $2,500




Overview 2026

General Bank Information

FDIC Insured Yes
FDIC Certificate # 8136
Date Established 1909
Assets $ 3.79 billion
Loans $ 2.09 billion
Deposits $ 3.18 billion
Capital $ 302.85 million

Summary Balance Sheet as of September 30, 2025

ASSETS
Cash & Balances due from depository institutions $ 147.06 million
Interest-bearing balances $ 130.57 million
Total securities $ 1,417.50 million
Federal funds sold and reverse repurchase $ 3.02 million
Net loans and leases $ 2.09 billion
Loan loss allowance $ 21.94 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 0.13 million
Goodwill and other intangibles $ 3.95 million
All other assets $ 34.23 million
     Total Assets $ 3.49 billion

LIABILITIES
Total deposits $ 3.18 billion
      Interest-bearing deposits $ 2.66 billion
      Deposits held in domestic offices $ 3.18 billion
      % insured (estimated)" 58.84%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds $ 150.20 million
Subordinated debt N.A.
All other liabilities $ 11.44 millionn
      Total Liabilities $ 3.49 billion
      Shareholders’ Equity $ 302.85 million

Summary Income Statement as of September 30, 2025

INCOME AND EXPENSES
Total Interest Income $ 172.35 million
Total Interest Expense $ 86.86 million
Net interest income $ 85.49 million
Provision for loan and lease losses $ 3.38 million
Total non interest income $ 23.26 million
Total non interest expense $ 75.00 million
Pre-tax Net Operating Income $ 23.86 million

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