INDEPENDENCE BANK OF KY
OWENSBORO, KENTUCKY · FDIC Cert #8136
Capital & Safety Analysis
According to FDIC financial data, INDEPENDENCE BANK OF KY holds a Tier 1 capital ratio of 11.41%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning INDEPENDENCE BANK OF KY has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
INDEPENDENCE BANK OF KY shows strong financial health indicators. With $3.7B in assets and a Health Score of 84/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
Frequently Asked Questions
INDEPENDENCE BANK OF KY has a Bank Health Score of A (84/100). It holds a Tier 1 capital ratio of 11.41%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
INDEPENDENCE BANK OF KY holds $3.7B in total assets and $2.9B in total deposits. It is located in OWENSBORO, KENTUCKY (FDIC Certificate #8136).
INDEPENDENCE BANK OF KY has a Tier 1 capital ratio of 11.41%, classifying it as "Well-Capitalized." The nonperforming loan ratio is 0.10%, and the return on assets is 0.65%.
Yes. INDEPENDENCE BANK OF KY is FDIC-insured (Certificate #8136). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically regain access to funds within two business days.