Side-by-side · Q2 2026 data
Independence Bank of Kentucky vs Heritage Bank, Inc.
Metric by metric
| Measure | Independence Bank of Kentucky | Heritage Bank, Inc. |
|---|---|---|
| TellerScore | 69 (stronger) | 65 |
| Capital cushion | 44 (stronger) | 40 |
| Loan quality | 96 (stronger) | 84 |
| Earnings | 65 (stronger) | 61 |
| Funding & liquidity | 61 | 71 (stronger) |
| Problem-loan coverage | 99 (stronger) | 93 |
| Peer percentile | 53rd | 36th |
| Total assets | $3.8B | $2.0B |
| Deposits / shares | $3.0B | $1.8B |
| Capital ratio | 9.35% (stronger) | 9.01% |
| Problem loans | 0.12% (stronger) | 0.47% |
| Net charge-offs | 0.00% (stronger) | 0.12% |
| Return on assets | 1.12% (stronger) | 1.03% |
| Loans ÷ deposits | 69.8% | 67.1% (stronger) |
| Uninsured deposits | 41.2% | 35.3% (stronger) |
| Offices | 26 | 19 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Independence Bank of Kentucky has the higher TellerScore (69 vs 65). On the 7 directional measures above (where higher or lower is clearly better), Independence Bank of Kentucky leads on 5 and Heritage Bank, Inc. on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.