Side-by-side · Q2 2026 data
Independence Bank of Kentucky vs Central Bank & Trust Co.
Metric by metric
| Measure | Independence Bank of Kentucky | Central Bank & Trust Co. |
|---|---|---|
| TellerScore | 69 | 76 (stronger) |
| Capital cushion | 44 | 74 (stronger) |
| Loan quality | 96 (stronger) | 93 |
| Earnings | 65 | 71 (stronger) |
| Funding & liquidity | 61 (stronger) | 42 |
| Problem-loan coverage | 99 (stronger) | 98 |
| Peer percentile | 53rd | 80th |
| Total assets | $3.8B | $4.0B |
| Deposits / shares | $3.0B | $3.1B |
| Capital ratio | 9.35% | 12.42% (stronger) |
| Problem loans | 0.12% (stronger) | 0.21% |
| Net charge-offs | 0.00% | -0.04% (stronger) |
| Return on assets | 1.12% | 1.27% (stronger) |
| Loans ÷ deposits | 69.8% (stronger) | 95.7% |
| Uninsured deposits | 41.2% | 35.1% (stronger) |
| Offices | 26 | 29 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 9.9% |
Central Bank & Trust Co. has the higher TellerScore (76 vs 69). On the 7 directional measures above (where higher or lower is clearly better), Independence Bank of Kentucky leads on 2 and Central Bank & Trust Co. on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.