BlastPoint's Banking Scorecard
Independence Bank of Kentucky
Community
Specialty: Commercial
KY
FDIC cert 8136
Owensboro, KY
1484
banks in Community tier nationally
34 in KY
View Community leaderboard (KY) →
Independence Bank of Kentucky faces 4 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 3% in Community
- - Credit Quality Pressure: Bottom 16% in Community
- - Flatlined Growth: Bottom 32% in Community
- - Net Interest Margin 1.31% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$3.8B
+1.3% YoY
-0.5% QoQ
|
+$2.4B |
$1.4B
+2.0% YoY
|
$697.6M
+5.6% YoY
|
$5.9B
+6.5% YoY
|
Top 4% in tier |
| Total Loans ? |
$2.1B
+1.9% YoY
-0.8% QoQ
|
+$1.1B |
$975.5M
+2.4% YoY
|
$490.0M
+5.5% YoY
|
$3.1B
+8.5% YoY
|
Top 10% in tier |
| Total Deposits ? |
$3.2B
+0.8% YoY
-3.5% QoQ
|
+$2.0B |
$1.2B
+1.7% YoY
|
$584.3M
+5.1% YoY
|
$4.7B
+6.3% YoY
|
Top 4% in tier |
| Return on Assets ? |
0.80%
+42.0% YoY
+9.4% QoQ
|
-0.36% |
1.16%
+17.2% YoY
|
1.21%
+22.9% YoY
|
1.12%
+15.6% YoY
|
24% |
| Net Interest Margin ? |
2.35%
+27.5% YoY
+3.2% QoQ
|
-1.31% |
3.66%
+9.1% YoY
|
3.81%
+9.2% YoY
|
3.75%
+7.1% YoY
|
Bottom 4% in tier |
| Efficiency Ratio ? |
68.97%
-7.3% YoY
-3.3% QoQ
|
+6.34% |
62.63%
-5.3% YoY
|
64.38%
-7.4% YoY
|
65.09%
-5.1% YoY
|
29% |
| Delinquency Rate ? |
0.18%
+40.6% YoY
-14.6% QoQ
|
-0.45% |
0.63%
+18.3% YoY
|
0.52%
-3.4% YoY
|
0.66%
+20.3% YoY
|
72% |
| Loan-to-Deposit Ratio ? |
65.75%
+1.1% YoY
+2.8% QoQ
|
-17.31% |
83.06%
+0.3% YoY
|
81.81%
+1.4% YoY
|
78.04%
+0.7% YoY
|
Bottom 14% in tier |
| Non-Interest-Bearing Deposit Share ? |
16.22%
+14.7% YoY
+5.0% QoQ
|
-4.83% |
21.05%
-0.9% YoY
|
23.17%
-1.4% YoY
|
21.79%
-1.3% YoY
|
31% |
| Nonperforming Asset Ratio ? |
0.10%
+6.1% YoY
-24.3% QoQ
|
-0.40% |
0.50%
+20.3% YoY
|
0.32%
-14.7% YoY
|
0.48%
+20.8% YoY
|
77% |
| Tier 1 Capital Ratio ? |
13.03%
+4.3% YoY
+3.2% QoQ
|
+2.79% |
10.24%
-0.6% YoY
|
9.91%
+1.4% YoY
|
9.75%
-1.9% YoY
|
58% |
| Non-Interest Income / Assets ? |
0.61%
-19.2% YoY
+36.9% QoQ
|
-0.13% |
0.74%
-1.3% YoY
|
0.66%
+0.7% YoY
|
0.65%
+0.6% YoY
|
62% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (4)
Credit Risk Growth
risk
#22 of 642 · Bottom 3% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 banks QoQ
|
QoQ rank improving
Credit Quality Pressure
risk
#133 of 808 · Bottom 16% in Community
Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Why this signature
Delinquency Rate:
0.18%
(Tier: 0.63%, National: 0.66%)
808 of 808 Community banks match
·
961 nationally
→ Stable
+22 banks QoQ
|
QoQ rank improving
Flatlined Growth
risk
#79 of 245 · Bottom 32% in Community
Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Why this signature
Return on Assets:
0.80%
(Tier: 1.16%, National: 1.12%)
245 of 245 Community banks match
·
308 nationally
↓ Shrinking
-35 banks QoQ
Net Interest Margin
metric
Bottom 4%
in Community
Why this stands out
Current:
2.35%
(Tier avg: 3.66%, National avg: 3.75%)
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
96
96th pctile
Total Deposits
Current: $3.2B · Tier avg: $1.2B
96
96th pctile
Total Assets
Current: $3.8B · Tier avg: $1.4B
90
90th pctile
Total Loans
Current: $2.1B · Tier avg: $975.5M
77
77th pctile
Nonperforming Asset Ratio
Current: 0.10% · Tier avg: 0.50%
72
72th pctile
Delinquency Rate
Current: 0.18% · Tier avg: 0.63%
62
62th pctile
Non-Interest Income / Assets
Current: 0.61% · Tier avg: 0.74%
58
58th pctile
Tier 1 Capital Ratio
Current: 13.03% · Tier avg: 10.24%
31
31th pctile
Non-Interest-Bearing Deposit Share
Current: 16.22% · Tier avg: 21.05%
29
29th pctile
Efficiency Ratio
Current: 68.97% · Tier avg: 62.63%
24
24th pctile
Return on Assets
Current: 0.80% · Tier avg: 1.16%
14
14th pctile
Loan-to-Deposit Ratio
Current: 65.75% · Tier avg: 83.06%
4
4th pctile
Net Interest Margin
Current: 2.35% · Tier avg: 3.66%
Top Weaknesses
4
4th pctile
Net Interest Margin
Current: 2.35% · Tier avg: 3.66%
14
14th pctile
Loan-to-Deposit Ratio
Current: 65.75% · Tier avg: 83.06%
24
24th pctile
Return on Assets
Current: 0.80% · Tier avg: 1.16%
29
29th pctile
Efficiency Ratio
Current: 68.97% · Tier avg: 62.63%
31
31th pctile
Non-Interest-Bearing Deposit Share
Current: 16.22% · Tier avg: 21.05%
58
58th pctile
Tier 1 Capital Ratio
Current: 13.03% · Tier avg: 10.24%
62
62th pctile
Non-Interest Income / Assets
Current: 0.61% · Tier avg: 0.74%
72
72th pctile
Delinquency Rate
Current: 0.18% · Tier avg: 0.63%
77
77th pctile
Nonperforming Asset Ratio
Current: 0.10% · Tier avg: 0.50%
90
90th pctile
Total Loans
Current: $2.1B · Tier avg: $975.5M
96
96th pctile
Total Assets
Current: $3.8B · Tier avg: $1.4B
96
96th pctile
Total Deposits
Current: $3.2B · Tier avg: $1.2B