Side-by-side · Q2 2026 data
Independence Bank of Kentucky vs Republic Bank & Trust Company
Metric by metric
| Measure | Independence Bank of Kentucky | Republic Bank & Trust Company |
|---|---|---|
| TellerScore | 69 | 84 (stronger) |
| Capital cushion | 44 | 98 (stronger) |
| Loan quality | 96 (stronger) | 81 |
| Earnings | 65 | 100 (stronger) |
| Funding & liquidity | 61 (stronger) | 31 |
| Problem-loan coverage | 99 (stronger) | 95 |
| Peer percentile | 53rd | 95th |
| Total assets | $3.8B | $7.1B |
| Deposits / shares | $3.0B | $5.6B |
| Capital ratio | 9.35% | 14.82% (stronger) |
| Problem loans | 0.12% (stronger) | 0.56% |
| Net charge-offs | 0.00% (stronger) | 0.46% |
| Return on assets | 1.12% | 2.13% (stronger) |
| Loans ÷ deposits | 69.8% (stronger) | 95.7% |
| Uninsured deposits | 41.2% (stronger) | 45.6% |
| Offices | 26 | 47 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 12.6% |
Republic Bank & Trust Company has the higher TellerScore (84 vs 69). On the 7 directional measures above (where higher or lower is clearly better), Independence Bank of Kentucky leads on 4 and Republic Bank & Trust Company on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.