TellerScore

Independent Correspondent Bankers' Bank, Inc. (FDIC certificate #27219) is based in Frankfort, Kentucky. Its Q2 2026 call report shows $151.4M in total assets and $82.5M in deposits and 1 office.

Independent Correspondent Bankers' Bank, Inc. has a TellerScore of 69 out of 100 (moderate) based on Q2 2026 data — higher than only 40% of its 2,650 banks with $100 million – $1 billion. Among 120 banks headquartered in Kentucky, it ranks 76th. Problem-loan coverage contributes the most (93/100, 3.7%); earnings contributes the least (49/100, 0.73%).

TellerScore · Q2 2026

Scorecard

Capital cushion82/100
Tier 1 leverage ratio: 13.21%
Loan quality67/100
Noncurrent loans ÷ total loans: 0.99%
Earnings49/100
Return on assets (annualized): 0.73%
Funding & liquidity55/100
Loans ÷ deposits and uninsured-deposit share: 98.7% · 21.0% uninsured
Problem-loan coverage93/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 3.67%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 11 points (80 → 69), mostly because the loan quality component weakened by 33 points.

TellerScore
597080Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202471
Q3 202466
Q4 202459
Q1 202562
Q2 202580
Q3 202573
Q4 202571
Q1 202667
Q2 202669
Tier 1 leverage ratio
5.00%9.49%13.98%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202412.92%
Q3 202412.03%
Q4 202412.92%
Q1 202513.59%
Q2 202513.72%
Q3 202513.98%
Q4 202513.56%
Q1 202612.70%
Q2 202613.21%
Noncurrent loans
0.00%0.62%1.24%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.00%
Q3 20240.00%
Q4 20241.24%
Q1 20251.17%
Q2 20250.00%
Q3 20251.06%
Q4 20250.96%
Q1 20260.96%
Q2 20260.99%
Return on assets
0.53%0.76%0.99%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.56%
Q3 20240.53%
Q4 20240.70%
Q1 20250.79%
Q2 20250.97%
Q3 20250.99%
Q4 20250.95%
Q1 20260.56%
Q2 20260.73%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202669$151.4M13.21%0.99%0.73%98.7%
Q1 202667$141.9M12.70%0.96%0.56%83.6%
Q4 202571$144.7M13.56%0.96%0.95%114.0%
Q3 202573$145.0M13.98%1.06%0.99%104.2%
Q2 202580$141.9M13.72%0.00%0.97%121.9%
Q1 202562$144.4M13.59%1.17%0.79%119.3%
Q4 202459$143.9M12.92%1.24%0.70%113.2%
Q3 202466$141.6M12.03%0.00%0.53%120.0%
Q2 202471$144.8M12.92%0.00%0.56%140.7%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio13.21%
77th
Total risk-based capital23.90%
92nd
Problem loans0.99%
28th
Net charge-offs-0.00%
84th
Return on assets0.73%
20th
Net interest margin3.37%
22nd
Efficiency ratio82.0%
12th
Loans to deposits98.7%
12th
Uninsured deposits21.0%
61st
Loan-loss reserves1.40%
72nd
Texas ratio3.7%
43rd

Similar-size banks in Kentucky

InstitutionScoreAssetsCapitalProblem loansCompare
The Sacramento Deposit BankBank Sacramento, KY74 out of 100, Strong$149.8M9.5%0.76%vs
Hyden Citizens BankBank Hyden, KY73 out of 100, Strong$148.6M9.2%0.54%vs
Commonwealth Community Bank, Inc.Bank Hartford, KY83 out of 100, Strong$157.7M14.7%0.24%vs
The Peoples BankBank Taylorsville, KY74 out of 100, Strong$145.0M10.8%0.97%vs
Bank of Cadiz and Trust CompanyBank Cadiz, KY74 out of 100, Strong$142.9M9.1%0.00%vs
Bank of BuffaloBank Buffalo, KY69 out of 100, Moderate$140.5M9.8%0.69%vs

Deposit insurance

Is my money safe at Independent Correspondent Bankers' Bank, Inc.?

Yes. Independent Correspondent Bankers' Bank, Inc. is an FDIC-insured institution (FDIC certificate #27219). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 21.0% of deposits ($17.3M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 13.21%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 23.90% (benchmark: 10%).

Check how much of your own balance is covered

1 location

Branches

Independent Correspondent Bankers' Bank, Inc. lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Independent Correspondent Bankers' Bank, Inc.
Former names
The Bankers' Bank of Kentucky, Inc.; Kentucky Independent Bank, Inc.; Independent Community Bankers' Bank, Inc.
Type
State-chartered bank (Fed member)
FDIC certificate #
27219
RSSD ID
1187551
Primary regulator
FED
Holding company
Independent Cmty Bcorp Inc
Established
April 12, 1988
Headquarters
107 Progress Dr, Frankfort, KY 40601
Employees
29

Quick answers

Independent Correspondent Bankers' Bank, Inc.: common questions

Is Independent Correspondent Bankers' Bank, Inc. FDIC insured?

Yes. Independent Correspondent Bankers' Bank, Inc. is an FDIC-insured institution (FDIC certificate #27219). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Independent Correspondent Bankers' Bank, Inc.'s TellerScore?

69 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Independent Correspondent Bankers' Bank, Inc. ever failed?

There is no failure record for FDIC certificate #27219 in the FDIC failed bank list.

How many branches does Independent Correspondent Bankers' Bank, Inc. have?

1 office as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Frankfort

InstitutionScoreAssetsCapitalProblem loansCompare
The Health & Education Federal Credit UnionCredit union Lexington, KY97 out of 100, Very strong$125.8M17.7%0.23%vs
Whitaker BankBank Lexington, KY84 out of 100, Strong$1.9B12.9%0.21%vs
Century Bank of Kentucky, Inc.Bank Lawrenceburg, KY84 out of 100, Strong$208.1M10.4%0.00%vs
Republic Bank & Trust CompanyBank Louisville, KY84 out of 100, Strong$7.1B14.8%0.56%vs
Guardian Savings BankBank West Chester, OH83 out of 100, Strong$1.4B11.4%0.20%vs
Transcend Credit UnionCredit union Louisville, KY83 out of 100, Strong$588.3M13.4%0.13%vs