Total Assets
$3.8B
Total Deposits
$3.0B
Branches
26
Established
1909
Independence Bank of Kentucky is a bank headquartered in Owensboro, Kentucky, established in 1909. It holds $3.8B in total assets across 26 branch locations. In our editorial opinion, based on public FDIC/NCUA data, Independence Bank of Kentucky earns a TFS Financial Health Grade of C+ (69.0/100) — our editorial assessment, not an official rating or financial advice.
TFS Health Grade
69.0 / 100
Average financial health
How we gradeTFS Health Grades are our editorial opinion based on public FDIC/NCUA data — not an official rating, not financial advice.
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Financial data through June 30, 2026. Updated by TFS August 28, 2026. Data sourced from FDIC BankFind Suite as of 2026-Q2. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
Data sourced from CFPB Consumer Complaint Database. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
| Branch | Address | City | State | Type |
|---|---|---|---|---|
| Independence Bank of KentuckyHQ | 2425 Frederica St | Owensboro | KY | 11 |
| Independence Bank of Kentucky | 877 Fairview Ave | Bowling Green | KY | 11 |
| Independence Bank of Kentucky | 1950 Scottsville Rd | Bowling Green | KY | 11 |
| Independence Bank of Kentucky | 1228 Us-127 South | Frankfort | KY | 11 |
| Independence Bank of Kentucky | 450 Versailles Rd | Frankfort | KY | 11 |
| Independence Bank of Kentucky | 225 Us Highway 60 E | Hawesville | KY | 11 |
| Independence Bank of Kentucky | 76 S Green St | Henderson | KY | 11 |
| Independence Bank of Kentucky | 1100 Barret Blvd | Henderson | KY | 11 |
| Independence Bank of Kentucky | 8523 Us Highway 60 W | Lewisport | KY | 11 |
| Independence Bank of Kentucky | 444 E Main St | Lexington | KY | 11 |
| Independence Bank of Kentucky | 614 Henton St | Livermore | KY | 11 |
| Independence Bank of Kentucky | 3901 Shelbyville Rd | Louisville | KY | 11 |
| Independence Bank of Kentucky | 1776 N Main St | Madisonville | KY | 11 |
| Independence Bank of Kentucky | 629 E Center St | Madisonville | KY | 11 |
| Independence Bank of Kentucky | 100 E College St | Mayfield | KY | 11 |
| Independence Bank of Kentucky | 721 S 12th St | Murray | KY | 11 |
| Independence Bank of Kentucky | 507 N 12th St | Murray | KY | 11 |
| Independence Bank of Kentucky | 2465 W Parrish Ave | Owensboro | KY | 11 |
| Independence Bank of Kentucky | 3228 Highway 54 | Owensboro | KY | 11 |
| Independence Bank of Kentucky | 2711 New Holt Rd | Paducah | KY | 11 |
| Independence Bank of Kentucky | 3143 Broadway St | Paducah | KY | 11 |
| Independence Bank of Kentucky | 3312 Lone Oak Rd | Paducah | KY | 11 |
| Independence Bank of Kentucky | 211 Us Highway 41a S | Providence | KY | 11 |
| Independence Bank of Kentucky | 115 Sam Walton Dr Ste 1 | Russellville | KY | 11 |
| Independence Bank of Kentucky | 308 Us Highway 41 S | Sebree | KY | 11 |
| Independence Bank of Kentucky | 65 Mack Walters Rd | Shelbyville | KY | 11 |
Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
Data sourced from FDIC Enforcement Decisions and Orders / NCUA. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
TFS Financial Health Grades represent our editorial assessment based on publicly available data and our proprietary methodology. They do not represent financial advice or an official government rating. Data on this page is sourced from federal government databases and is believed to be accurate.
Benchmarked against 60 active, federally insured banks reporting in the same quarter and holding roughly 0.5×–2× its assets. Same-state and overlapping-market peers are prioritized.
TFS health score
69.0
Tier 1 capital ratio
9.35%
Return on assets
1.12%
Non-performing loans
0.12%
Efficiency ratio
64.08%
Asset growth (YoY)
0.12%
Suggested direct comparisons
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Complaint percentiles are intentionally withheld while TFS audits CFPB company matching and import coverage. Peer conclusions use complete same-quarter regulatory metrics only.