Contact & Details
FDIC BankFindWebsite
Address
County
Established
Total Assets
Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.
Overall Rating
Meets federal requirements for community lending
Exam Date
Exam Type
Regulator
Total Assets
$3.8B
Total Deposits
$3.1B
Net Loans
$2.0B
Net Income
$11M
ROA
1.11%
Above avg for Community banks. Peer avg: 0.90%
ROE
13.72%
Risk-Based Capital
0.00%
Below avg for Community banks. Regulatory min: 8%
Total Assets — Last 8 Quarters
Compared to the peer-bank Community peer group (same asset tier).
Unlock peer list → See which specific banks are in this peer group.
| Year | Applications | Orig. Rate | Denial Rate |
|---|---|---|---|
| 2024 | 1,445 | 74.95% | 13.15% |
| 2023 | 1,580 | 77.15% | 11.27% |
| 2022 | 2,091 | 76.71% | 12.20% |
| 2021 | 2,555 | 76.67% | 10.33% |
| 2020 | 2,956 | 76.05% | 9.61% |
| 2019 | 1,920 | 87.5% |
| Exam Date | Rating | Exam Type |
|---|---|---|
| May 2017 | Satisfactory | Large Bank |
| Jun 2014 | Satisfactory | Intermediate Small Bank |
| Mar 2011 | Satisfactory | Intermediate Small Bank |
7 previous ratings locked — back to 1991
Unlock full CRA history, HMDA, financials, complaints CSVs, and PDF links for this bank.
One-time payment · No subscription required
Exam dates and details are paywalled
Total Branches
26
Branch Deposits
$3.2B
1-Year Change
-1
5-year net change: +1 branches
Copy this snippet to embed a live rating badge on your website:
<iframe src="https://bankscorer.com/widget/bank/independence-bank-of-kentucky" width="320" height="80" frameborder="0" scrolling="no" style="border:none" ></iframe>
Updates automatically when the rating changes.
Preview:
| 7.34% |
| 2018 | 1,912 | 88.6% | 6.01% |
Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Community bank avg: 10.20% · above-average shown in red