INDEPENDENCE BANCSHARES INC is the parent banking group. INDEPENDENCE BANK OF KENTUCKY is the primary bank charter regulated by the FDIC. CRA exams are conducted at the charter level, not the group level.

Bank Holding Company

INDEPENDENCE BANCSHARES INC

Legal name: INDEPENDENCE BANCSHARES, INC.

1 active bank · $3.8B combined assets

RSSD ID: 1118854 (FFIEC NIC)

Combined Assets

$3.8B

CRA Rating Summary

Satisfactory1charter

Across all 10 exams on record for this banking group's charters, 100% resulted in Outstanding or Satisfactory.

Primary bankINDEPENDENCE BANK OF KENTUCKYOWENSBORO, KYSatisfactory$3.8BView profile →

At a Glance

Dominant CRA Rating

Satisfactory

1 of 1 bank · Meets expectations for community lending

Combined Assets

$3.8B

1 active bank

Financial Summary

FDIC Call Reports

Aggregated from the most recent call report filings for all active charters.

Total Deposits

$3.1B

Net Income

$11M

ROA (avg)

1.11%

asset-weighted avg

Mortgage Lending (HMDA)

CFPB · 2024Lender rankings →

Aggregated HMDA data across all active charters for 2024.

Applications

1,445

Origination Rate

74.95%

Denial Rate

13.15%

Active Bank Charters1

Each charter is examined independently for CRA compliance.

Charter	Location	Regulator	Assets	Ownership	Current Rating	Exam Date
INDEPENDENCE BANK OF KENTUCKY	OWENSBORO, KY	FDIC	$3.8B	100.0%	Satisfactory	May 2017

CRA (Community Reinvestment Act) exams are conducted per charter, not per banking group. Asset figures are from the most recent FDIC call report.