Side-by-side · Q2 2026 data
Spencer County Bank vs Independence Bank of Kentucky
Metric by metric
| Measure | Spencer County Bank | Independence Bank of Kentucky |
|---|---|---|
| TellerScore | 58 | 69 (stronger) |
| Capital cushion | 96 (stronger) | 44 |
| Loan quality | 0 | 96 (stronger) |
| Earnings | 51 | 65 (stronger) |
| Funding & liquidity | 79 (stronger) | 61 |
| Problem-loan coverage | 75 | 99 (stronger) |
| Peer percentile | 16th | 53rd |
| Total assets | $131.2M | $3.8B |
| Deposits / shares | $111.6M | $3.0B |
| Capital ratio | 14.57% (stronger) | 9.35% |
| Problem loans | 3.00% | 0.12% (stronger) |
| Net charge-offs | 0.01% | 0.00% (stronger) |
| Return on assets | 0.79% | 1.12% (stronger) |
| Loans ÷ deposits | 69.9% | 69.8% (stronger) |
| Uninsured deposits | 25.1% (stronger) | 41.2% |
| Offices | 5 | 26 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Independence Bank of Kentucky has the higher TellerScore (69 vs 58). On the 7 directional measures above (where higher or lower is clearly better), Spencer County Bank leads on 2 and Independence Bank of Kentucky on 5. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.