Independence Bank Of Ky (FDIC #8136): Bank Stress & Real-Estate Credit Exposure

Independence Bank Of Ky (FDIC Cert #8136): bank stress 74/100, elevated, STABLE over 7 days; parent INDEPENDENCE BANCSHARES INC.

Independence Bank Of Ky (#8136) lends in 15 counties across 1 state; Independence Bank Of Ky (#8136) reaches 158 ZIP codes: Kentucky 15 counties, 158 ZIPs.

Independence Bank Of Ky (#8136) largest markets: Jefferson County, KY (43 branches, 43 ZIPs) (#8136), Fayette County, KY (19 branches, 19 ZIPs) (#8136), Graves County, KY (18 branches, 18 ZIPs) (#8136), Shelby County, KY (14 branches, 14 ZIPs) (#8136), Hopkins County, KY (26 branches, 13 ZIPs) (#8136), Webster County, KY (22 branches, 11 ZIPs) (#8136).

Independence Bank Of Ky (#8136) reports $3.83 billion in total assets; Independence Bank Of Ky (#8136) equity $318.8 million (8.3% of Independence Bank Of Ky (#8136) assets); Independence Bank Of Ky (#8136) domestic deposits $3.02 billion; Independence Bank Of Ky (#8136) net income $21.4 million; Independence Bank Of Ky (#8136) return on assets 1.12%; Independence Bank Of Ky (#8136) return on equity 13.76%; Independence Bank Of Ky (#8136) net interest income $47.3 million; Independence Bank Of Ky (#8136) call report June 30, 2026.

Independence Bank Of Ky (#8136) noncurrent real-estate loans: none reported; Independence Bank Of Ky (#8136) net charge-offs on real estate 0.10%; Independence Bank Of Ky (#8136) residential charge-offs 0.07%.

Independence Bank Of Ky (#8136) net interest margin 2.59% against an eight-quarter Independence Bank Of Ky (#8136) average of 2.22% (Independence Bank Of Ky (#8136) compression -0.37 points); Independence Bank Of Ky (#8136) non-residential real estate 6.7% of equity; Independence Bank Of Ky (#8136) rate-exposure score 40/100, Independence Bank Of Ky (#8136) fixed-rate trap 40/100; Independence Bank Of Ky (#8136) risk type credit driven; Independence Bank Of Ky (#8136) rate regime rates elevated, Independence Bank Of Ky (#8136) snapshot October 19, 2026.

Independence Bank Of Ky (#8136) stress score moved from 73.4 on June 22, 2026 to 74 on October 19, 2026; Independence Bank Of Ky (#8136) ranged 73.4 to 74 over 116 snapshots.

Independence Bank Of Ky (#8136) alerts: 15 counties; top Independence Bank Of Ky (#8136) alert scores: Henderson County, KY 47 (moderate); Bowling Green County, KY 25 (low); Frankfort County, KY 25 (low); Lewisport County, KY 25 (low); Lexington County, KY 25 (low).