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Research terminalQ2 2026 · 4,313 institutions · refreshed 8/27/2026 · catalog mismatch
Q2 2026 · 4,313 institutions · refreshed 8/27/2026
Regulatory profile
FDIC certificate #8136 · RSSD 648242
Recent activity
Deterministic, evidence-linked observations only — not a prediction, rating or recommendation. What counts as Notable.
Independence Bank of Kentucky changed deposits by 10151 USD thousands and market share by 0.607436 points in Shelby County, KY
Source ↗Independence Bank of Kentucky changed deposits by 19083 USD thousands and market share by 1.523408 points in Franklin County, KY
Source ↗Independence Bank of Kentucky changed deposits by 14054 USD thousands and market share by 2.795363 points in Webster County, KY
Source ↗Independence Bank of Kentucky changed deposits by 9270 USD thousands and market share by -0.004693 points in McCracken County, KY
Source ↗Independence Bank of Kentucky changed deposits by -7855 USD thousands and market share by -1.341992 points in Graves County, KY
Source ↗Ten-year database
Branch and geographic intelligence
FDIC branch-location snapshot dated 2026-08-22
| Market | State | Locations | Main offices | Earliest establishment |
|---|---|---|---|---|
| Owensboro | KY | 3 | 1 | Unavailable |
| Paducah | KY | 3 | 0 | Unavailable |
| Bowling Green | KY | 2 | 0 | Unavailable |
| Frankfort | KY | 2 | 0 | Unavailable |
| Henderson | KY | 2 | 0 | Unavailable |
| Madisonville | KY | 2 | 0 | Unavailable |
| Murray | KY | 2 | 0 | Unavailable |
| Hawesville | KY | 1 | 0 | Unavailable |
| Lewisport | KY | 1 | 0 | Unavailable |
| Lexington | KY | 1 | 0 | Unavailable |
| Livermore | KY | 1 | 0 | Unavailable |
| Louisville | KY | 1 | 0 | Unavailable |
| Mayfield | KY | 1 | 0 | Unavailable |
| Providence | KY | 1 | 0 | Unavailable |
| Russellville | KY | 1 | 0 | Unavailable |
| Sebree | KY | 1 | 0 | Unavailable |
| Shelbyville | KY | 1 | 0 | Unavailable |
Reviewed NIC structure change on 1998-01-01: RSSD 171544 → 648242 (1). The location count above reflects the current combined network and is not itself a measure of organic branch growth.
Ownership, transformations and revisions
NIC relationships are time-bounded. Reviewed filing revisions remain distinct from mergers.
Unresolved entityRSSD 1118854 · 1997-10-23 to current
Unresolved entityRSSD 1118854 · 1995-12-31 to 1997-10-22
Unresolved entityRSSD 1118854 · 1992-12-31 to 1995-12-30
Unresolved entityRSSD 1118854 · 1988-12-31 to 1992-12-30
Unresolved entityRSSD 1118854 · 1980-01-01 to 1988-12-30
None matched.
1998-01-01RSSD 171544 → 648242 · code 1
No reviewed revisions published.
Latest registered batch · retrieved Aug 27, 2026, 10:51 AM UTC · SHA-256 56519b9e6ae2ada5757ec111f52c6451d5e31d6d47a52fdcf0bf38acf129fcaa · source ↗
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-06-30 | $3.8B | $3.0B | $2.1B | 1.12% | 13.76% | 2.59% |
| 2026-03-31 | $3.8B | $3.1B | $2.0B | 1.11% | 13.72% | 2.57% |
| 2025-12-31 | $3.8B | $3.2B | $2.1B | 0.80% | 10.45% | 2.35% |
| 2025-09-30 | $3.8B | $3.3B | $2.1B | 0.73% | 9.66% | 2.28% |
| 2025-06-30 | $3.8B | $3.2B | $2.1B | 0.69% | 9.20% | 2.22% |
| 2025-03-31 | $3.8B | $3.2B | $2.1B | 0.66% | 8.75% | 2.16% |
| 2024-12-31 | $3.7B | $3.2B | $2.1B | 0.56% | 8.21% | 1.84% |
| 2024-09-30 | $3.7B | $3.0B | $2.0B | 0.56% | 8.42% | 1.77% |
| 2024-06-30 | $3.7B | $2.9B | $2.0B | 0.65% | 10.09% | 1.74% |
| 2024-03-31 | $3.7B | $3.1B | $2.0B | 0.33% | 5.23% | 1.74% |
| 2023-12-31 | $3.7B | $3.2B | $2.0B | 0.54% | 8.22% | 2.08% |
| 2023-09-30 | $3.7B | $3.1B | $1.9B | 0.62% | 9.20% | 2.19% |
| 2023-06-30 | $3.6B | $2.9B | $1.9B | 0.75% | 11.05% | 2.34% |
| 2023-03-31 | $3.6B | $3.1B | $1.8B | 0.88% | 12.95% | 2.47% |
| 2022-12-31 | $3.5B | $2.9B | $1.8B | 1.37% | 18.93% | 3.03% |
| 2022-09-30 | $3.4B | $2.8B | $1.7B | 1.42% | 19.34% | 3.12% |
| 2022-06-30 | $3.3B | $2.9B | $1.6B | 1.45% | 19.51% | 3.16% |
| 2022-03-31 | $3.3B | $2.9B | $1.5B | 1.47% | 19.58% | 3.14% |
| 2021-12-31 | $3.2B | $2.8B | $1.5B | 1.73% | 21.97% | 3.42% |
| 2021-09-30 | $3.1B | $2.6B | $1.5B | 1.66% | 21.02% | 3.38% |
| 2021-06-30 | $3.0B | $2.6B | $1.5B | 1.64% | 20.99% | 3.38% |
| 2021-03-31 | $3.1B | $2.7B | $1.5B | 1.75% | 22.59% | 3.49% |
| 2020-12-31 | $2.9B | $2.5B | $1.6B | 1.55% | 19.27% | 3.58% |
| 2020-09-30 | $2.9B | $2.4B | $1.6B | 1.56% | 19.41% | 3.62% |
| 2020-06-30 | $2.9B | $2.4B | $1.5B | 1.55% | 19.19% | 3.63% |
| 2020-03-31 | $2.7B | $2.1B | $1.3B | 1.32% | 16.13% | 3.31% |
| 2019-12-31 | $2.6B | $2.1B | $1.4B | 1.12% | 13.71% | 3.10% |
| 2019-09-30 | $2.6B | $1.9B | $1.4B | 1.06% | 13.03% | 3.05% |
| 2019-06-30 | $2.5B | $1.9B | $1.3B | 1.06% | 13.06% | 3.03% |
| 2019-03-31 | $2.5B | $1.9B | $1.3B | 1.03% | 12.89% | 2.97% |
| 2018-12-31 | $2.4B | $1.9B | $1.3B | 1.30% | 17.44% | 3.26% |
| 2018-09-30 | $2.3B | $1.8B | $1.3B | 1.32% | 17.95% | 3.32% |
| 2018-06-30 | $2.2B | $1.6B | $1.3B | 1.37% | 18.50% | 3.38% |
| 2018-03-31 | $2.2B | $1.7B | $1.2B | 1.39% | 18.68% | 3.41% |
| 2017-12-31 | $2.2B | $1.7B | $1.2B | 1.51% | 20.65% | 3.62% |
| 2017-09-30 | $2.2B | $1.6B | $1.2B | 1.52% | 20.96% | 3.63% |
| 2017-06-30 | $2.2B | $1.6B | $1.2B | 1.53% | 21.12% | 3.65% |
| 2017-03-31 | $2.1B | $1.6B | $1.1B | 1.51% | 20.79% | 3.67% |
| 2016-12-31 | $2.0B | $1.5B | $1.1B | 1.56% | 21.08% | 3.72% |
| 2016-09-30 | $1.9B | $1.4B | $1.1B | 1.60% | 21.55% | 3.74% |
| 2016-06-30 | $1.9B | $1.4B | $1.0B | 1.63% | 21.97% | 3.75% |
| 2016-03-31 | $1.9B | $1.4B | $1.0B | 1.61% | 21.76% | 3.75% |
Branch locations reflect the latest registered FDIC location release, not real-time openings. Opening/closing attribution to organic growth vs. merger activity remains unavailable beyond the reviewed structure changes noted above. Annual deposit market share by state is available separately, below.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| KY | $3.2B | 2.60% | 9 | Continuing · +0.06 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.