Independence Bank Of Kentucky is a bank based in Owensboro, Kentucky, established in 1909, with $3.8 billion in total assets across 26 branches. By Trust Grade it ranks 86th of 120 banks we track in Kentucky. Its capital ratio of 8.2% trails most similarly sized banks (10th percentile), versus a Kentucky median of 9.6%. It was profitable over the most recent period, with a 1.11% return on assets. No consumer complaints against Independence Bank Of Kentucky appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Independence Bank Of Kentucky compares to Kentucky peers
How we graded Independence Bank Of Kentucky
The Trust Grade blends financial strength with complaint history. Full methodology →
- Well-capitalized (8.2% capital ratio)
- Strongly profitable (ROA 1.11%)
- No CFPB complaints on record
The Trust Grade is Bankzia’s independent, documented opinion computed from public FDIC/NCUA/CFPB data — not an official rating, and not a statement about the safety of insured deposits. Report a data error or dispute this grade →
Consumer complaints (CFPB)
No CFPB complaints are on file for Independence Bank Of Kentucky over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (26)
- 211 Us Highway 41a S, Providence, KY 42450
- 614 Henton St, Livermore, KY 42352
- 2465 W Parrish Ave, Owensboro, KY 42301
- 3228 Highway 54, Owensboro, KY 42303
- 308 Us Highway 41 S, Sebree, KY 42455
- 225 Us Highway 60 E, Hawesville, KY 42348
- 1950 Scottsville Rd, Bowling Green, KY 42104
- 1100 Barret Blvd, Henderson, KY 42420
- 2711 New Holt Rd, Paducah, KY 42001
- 8523 Us Highway 60 W, Lewisport, KY 42351
- 877 Fairview Ave, Bowling Green, KY 42101
- 3312 Lone Oak Rd, Paducah, KY 42003
- 2425 Frederica St, Owensboro, KY 42301
- 76 S Green St, Henderson, KY 42420
- 1776 N Main St, Madisonville, KY 42431
- 3143 Broadway St, Paducah, KY 42001
- 507 N 12th St, Murray, KY 42071
- 450 Versailles Rd, Frankfort, KY 40601
- 100 E College St, Mayfield, KY 42066
- 629 E Center St, Madisonville, KY 42431
- 721 S 12th St, Murray, KY 42071
- 1228 Us-127 South, Frankfort, KY 40601
- 3901 Shelbyville Rd, Louisville, KY 40207
- 444 E Main St, Lexington, KY 40507
- 65 Mack Walters Rd, Shelbyville, KY 40065
- 115 Sam Walton Dr Ste 1, Russellville, KY 42276
Are deposits at Independence Bank Of Kentucky insured?
Yes. Independence Bank Of Kentucky is an FDIC-insured bank (FDIC certificate #8136). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Independence Bank Of Kentucky: frequently asked questions
Is Independence Bank Of Kentucky a good bank?
Independence Bank Of Kentucky earns a Bankzia Trust Grade of A (91/100, "Excellent"), based on a financial-strength score of 91/100 (it has no CFPB complaints on record). Well-capitalized (8.2% capital ratio); Strongly profitable (ROA 1.11%).
Is Independence Bank Of Kentucky FDIC-insured?
Yes. Independence Bank Of Kentucky is a FDIC-insured bank (FDIC certificate #8136). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is Independence Bank Of Kentucky?
Independence Bank Of Kentucky holds $3.8 billion in total assets, ranking 86th of 120 banks we track in Kentucky. It operates 26 branches.
Does Independence Bank Of Kentucky have CFPB complaints?
No CFPB complaints against Independence Bank Of Kentucky appear in our data over the analysis window, which is typical for a bank of this size.
Similar Banks
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
