BlastPoint's Banking Scorecard
Independent Correspondent Bankers' Bank, Inc.
Micro
Specialty: Commercial
KY
FDIC cert 27219
Frankfort, KY
2498
banks in Micro tier nationally
83 in KY
View Micro leaderboard (KY) →
Independent Correspondent Bankers' Bank, Inc. has 2 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest-Bearing Deposit Share 32.22% above tier
- + Non-Interest Income / Assets 1.08% above tier
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 39.49% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$144.7M
+0.5% YoY
-0.2% QoQ
|
-$72.8M |
$217.5M
+2.3% YoY
|
$697.6M
+5.6% YoY
|
$5.9B
+6.5% YoY
|
36% |
| Total Loans ? |
$86.2M
+12.3% YoY
+7.4% QoQ
|
-$53.0M |
$139.2M
+2.8% YoY
|
$490.0M
+5.5% YoY
|
$3.1B
+8.5% YoY
|
37% |
| Total Deposits ? |
$75.6M
+11.5% YoY
-1.9% QoQ
|
-$108.1M |
$183.7M
+1.8% YoY
|
$584.3M
+5.1% YoY
|
$4.7B
+6.3% YoY
|
20% |
| Return on Assets ? |
0.95%
+35.6% YoY
-4.1% QoQ
|
-0.13% |
1.08%
+14.7% YoY
|
1.21%
+22.9% YoY
|
1.12%
+15.6% YoY
|
43% |
| Net Interest Margin ? |
3.17%
+8.4% YoY
+2.0% QoQ
|
-0.68% |
3.85%
+6.6% YoY
|
3.81%
+9.2% YoY
|
3.75%
+7.1% YoY
|
21% |
| Efficiency Ratio ? |
72.75%
-7.0% YoY
+2.1% QoQ
|
+5.03% |
67.73%
-4.8% YoY
|
64.38%
-7.4% YoY
|
65.09%
-5.1% YoY
|
33% |
| Delinquency Rate ? |
0.98%
-22.4% YoY
-9.1% QoQ
|
+0.34% |
0.64%
+24.4% YoY
|
0.52%
-3.4% YoY
|
0.66%
+20.3% YoY
|
29% |
| Loan-to-Deposit Ratio ? |
114.02%
+0.7% YoY
+9.5% QoQ
|
+39.49% |
74.53%
+0.5% YoY
|
81.81%
+1.4% YoY
|
78.04%
+0.7% YoY
|
Bottom 2% in tier |
| Non-Interest-Bearing Deposit Share ? |
54.61%
-9.7% YoY
+4.6% QoQ
|
+32.22% |
22.39%
-1.3% YoY
|
23.17%
-1.4% YoY
|
21.79%
-1.3% YoY
|
Top 1% in tier |
| Nonperforming Asset Ratio ? |
0.58%
-13.3% YoY
-2.1% QoQ
|
+0.13% |
0.45%
+25.1% YoY
|
0.32%
-14.7% YoY
|
0.48%
+20.8% YoY
|
33% |
| Tier 1 Capital Ratio ? |
21.14%
-0.4% YoY
-4.0% QoQ
|
+12.29% |
8.85%
-3.4% YoY
|
9.91%
+1.4% YoY
|
9.75%
-1.9% YoY
|
Top 12% in tier |
| Non-Interest Income / Assets ? |
1.64%
+18.6% YoY
+31.6% QoQ
|
+1.08% |
0.56%
+0.3% YoY
|
0.66%
+0.7% YoY
|
0.65%
+0.6% YoY
|
Top 4% in tier |
Signature Analysis
Strengths (2)
Non-Interest-Bearing Deposit Share
metric
Top 1%
in Micro
Why this stands out
Current:
54.61%
(Tier avg: 22.39%, National avg: 21.79%)
Non-Interest Income / Assets
metric
Top 4%
in Micro
Why this stands out
Current:
1.64%
(Tier avg: 0.56%, National avg: 0.65%)
Concerns (1)
Loan-to-Deposit Ratio
metric
Bottom 2%
in Micro
Why this stands out
Current:
114.02%
(Tier avg: 74.53%, National avg: 78.04%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
99
99th pctile
Non-Interest-Bearing Deposit Share
Current: 54.61% · Tier avg: 22.39%
96
96th pctile
Non-Interest Income / Assets
Current: 1.64% · Tier avg: 0.56%
88
88th pctile
Tier 1 Capital Ratio
Current: 21.14% · Tier avg: 8.85%
43
43th pctile
Return on Assets
Current: 0.95% · Tier avg: 1.08%
37
37th pctile
Total Loans
Current: $86.2M · Tier avg: $139.2M
36
36th pctile
Total Assets
Current: $144.7M · Tier avg: $217.5M
33
33th pctile
Efficiency Ratio
Current: 72.75% · Tier avg: 67.73%
33
33th pctile
Nonperforming Asset Ratio
Current: 0.58% · Tier avg: 0.45%
29
29th pctile
Delinquency Rate
Current: 0.98% · Tier avg: 0.64%
21
21th pctile
Net Interest Margin
Current: 3.17% · Tier avg: 3.85%
20
20th pctile
Total Deposits
Current: $75.6M · Tier avg: $183.7M
2
2th pctile
Loan-to-Deposit Ratio
Current: 114.02% · Tier avg: 74.53%
Top Weaknesses
2
2th pctile
Loan-to-Deposit Ratio
Current: 114.02% · Tier avg: 74.53%
20
20th pctile
Total Deposits
Current: $75.6M · Tier avg: $183.7M
21
21th pctile
Net Interest Margin
Current: 3.17% · Tier avg: 3.85%
29
29th pctile
Delinquency Rate
Current: 0.98% · Tier avg: 0.64%
33
33th pctile
Nonperforming Asset Ratio
Current: 0.58% · Tier avg: 0.45%
33
33th pctile
Efficiency Ratio
Current: 72.75% · Tier avg: 67.73%
36
36th pctile
Total Assets
Current: $144.7M · Tier avg: $217.5M
37
37th pctile
Total Loans
Current: $86.2M · Tier avg: $139.2M
43
43th pctile
Return on Assets
Current: 0.95% · Tier avg: 1.08%
88
88th pctile
Tier 1 Capital Ratio
Current: 21.14% · Tier avg: 8.85%
96
96th pctile
Non-Interest Income / Assets
Current: 1.64% · Tier avg: 0.56%
99
99th pctile
Non-Interest-Bearing Deposit Share
Current: 54.61% · Tier avg: 22.39%