Total Assets
$145M
Total balance-sheet footings
FDIC Cert #27219 · Frankfort, Kentucky · Est. 1988
Independent Correspondent Bankers' Bank, Inc. - FDIC Bank Health Profile
A community-scale look at Independent Correspondent Bankers' Bank, Inc.'s own numbers, pulled straight from its quarterly FDIC Call Report.
- $145M
- Total assets
- B
- Health grade · Good
- 0.95%
- Return on assets
- 21.1%
- Tier 1 capital
Data updated July 2026
The verdict
Independent Correspondent Bankers' Bank, Inc. earns a PlainBankData health grade of B (78/100), with well-capitalized at 21.14% Tier 1, 0.95% ROA, 73% efficiency ratio.
- #3,396
- largest of 4,313 FDIC banks by assets
- 21st
- percentile by asset size, nationally
- 21.14%
- Tier 1 ratio - above the 10% well-capitalized line
- 39th
- percentile for profitability (ROA), nationally
The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.
How Independent Correspondent Bankers' Bank, Inc.'s 78/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Independent Correspondent Bankers' Bank, Inc.'s composite health score
Tier 1 Capital Ratio (21.14%) 40/40
Return on Assets (ROA) (0.95%) 14/25
Texas Ratio (3.87%) 20/20
Efficiency Ratio (72.75%) 4/15
78 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$76M
Customer-funded liabilities
Net Loans
$86M
Outstanding loan book
Net Income
$1M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Independent Correspondent Bankers' Bank, Inc. ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Independent Correspondent Bankers' Bank, Inc.'s score of 78/100 falls in the highlighted band.
Independent Correspondent Bankers' Bank, Inc.'s size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Independent Correspondent Bankers' Bank, Inc.'s $145M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
21.14% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
21.14%
Texas Ratio
3.87%
Equity Capital
$21M
Profitability metrics
Return on Assets (ROA)
39th percentile nationally
0.95%
Return on Equity (ROE)
6.86%
Efficiency Ratio
72.75%
What the numbers say about Independent Correspondent Bankers' Bank, Inc.
Independent Correspondent Bankers' Bank, Inc. is an FDIC-insured institution (Certificate #27219) headquartered in Frankfort, Kentucky, established in 1988. It holds $145M in total assets - 3,396th of 4,313 FDIC-insured banks, $76M in customer deposits, and $86M in net loans. Looking at capital strength, Tier 1 stands at 21.14%, over the 10% well-capitalized line regulators set, while the Texas Ratio comes in at 3.87%, comfortably below the 50% caution mark. It earns a PlainBankData health grade of B (78/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
By assets, Independent Correspondent Bankers' Bank, Inc. ranks 97th of 120 banks based in Kentucky -- squarely in the community-bank tier. Size alone doesn't determine a bank's local importance; a bank this size often has deeper, longer-standing relationships with the specific businesses and depositors it serves than a much larger institution would.
Income & expense breakdown
$8M
Interest Income
$2M
Non-Interest Income
$5M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Independent Correspondent Bankers' Bank, Inc. reports a Texas Ratio of 3.87% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
3.87% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Kentucky by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Independent Correspondent Bankers' Bank, Inc. (FDIC Cert #27219) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Kentucky
All Kentucky banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Stock Yards Bank & Trust CompanyLouisville | $9.5B | A | 1.57% |
| Republic Bank & Trust CompanyLouisville | $7.0B | A | 1.89% |
| Community Trust Bank, Inc.Pikeville | $6.6B | A | 1.50% |
| Central Bank & Trust Co.Lexington | $3.9B | B | 1.16% |
| Independence Bank of KentuckyOwensboro | $3.8B | B | 0.80% |
| Traditional Bank, Inc.Mount Sterling | $2.5B | B | 0.80% |
| Heritage Bank, Inc.Burlington | $2.1B | B | 1.08% |
| South Central Bank, Inc.Glasgow | $2.1B | A | 1.25% |
Frequently asked questions
What is Independent Correspondent Bankers' Bank, Inc.'s health grade?▼
Independent Correspondent Bankers' Bank, Inc. receives a health grade of B (78/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is Independent Correspondent Bankers' Bank, Inc.?▼
Independent Correspondent Bankers' Bank, Inc. holds $145M in total assets and $76M in deposits, ranking 3,396th of 4,313 FDIC-insured banks by asset size. It is headquartered in Frankfort, Kentucky.
Is my money safe at Independent Correspondent Bankers' Bank, Inc.?▼
Yes, deposits at Independent Correspondent Bankers' Bank, Inc. (Certificate #27219) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Independent Correspondent Bankers' Bank, Inc.'s Tier 1 Capital Ratio?▼
Independent Correspondent Bankers' Bank, Inc. has a Tier 1 Capital Ratio of 21.14%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for Independent Correspondent Bankers' Bank, Inc.?▼
Independent Correspondent Bankers' Bank, Inc. has a Texas Ratio of 3.87%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Independent Correspondent Bankers' Bank, Inc.?▼
Independent Correspondent Bankers' Bank, Inc. has an Efficiency Ratio of 72.75%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Independent Correspondent Bankers' Bank, Inc.'s profile as a depositor or analyst.
- Independent Correspondent Bankers' Bank, Inc.'s grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Independent Correspondent Bankers' Bank, Inc. against other Kentucky banks before moving funds. Kentucky banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.