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Independence Bank Of Kentucky

IDRSSD: 648242
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2023-Q4

Per-quarter snapshot for 2023-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
75
/ 100
StableAs of 2023-Q4QoQ +4

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2023-Q4

Bank #648242 2023-Q4 Vital Signs Score: 75/100 — overall stable. Strongest pillar: Asset Quality (strong). Weakest pillar: Securities (watch).

Liquidity:Stable
Securities:Watch
Capitalization:Stable
Asset Quality:Strong
Reserves:Strong

Top 3 Watch Items

  1. info
    Cash / Assets below 3%
    Liquidity — Cash 2.92% of assets (threshold 3%).

What changed this quarter

Compared to Q3 2023:
↑ +4 ptscomposite
  • Liquidity
    ↑ +8
  • Securities
    ↑ +2
  • Capitalization
    ↑ +1
  • Asset Quality
    — —
  • Reserves
    — —

The five pillars

Liquidity

StableQoQ +8
76
Sub-score

Liquidity is stable: brokered 13.1%, loans/deposits 62.5%, cash 2.9% of assets.

Cash / Assets
2.92%
Loans / Deposits
62.54%
Brokered %
13.14%

Watch Items

  • infoCash / Assets below 3% — Cash 2.92% of assets (threshold 3%).

Securities

WatchQoQ +2
50
Sub-score

Securities profile is deteriorating: securities 34.9% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
34.92%
No watch items at this period.

Capitalization

StableQoQ +1
61
Sub-score

Capital position is stable: Tier 1 RBC 10.95%, CET1 10.95%, leverage 7.40%.

Tier 1 RBC
10.95%
CET1
10.95%
Leverage
7.40%
No watch items at this period.

Asset Quality

Strong
100
Sub-score

Asset quality is strong: Adjusted NPL 0.12%, Texas Ratio 0.8%, NCO YTD 0.00%.

Adjusted NPL
0.12%
Govt-guarantees stripped
Texas Ratio
0.8%
NCO YTD
0.00%
30-89 PD
0.15%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

Strong
81
Sub-score

Reserves are strong: ALLL 0.94% of loans, coverage 767.9%, true coverage 767.9%.

ALLL / Loans
0.94%
Coverage
767.9%
True Loss Coverage
767.9%
No watch items at this period.

Methodology + sources

Vital Signs Score
Composite of five pillar sub-scores, each 0–100. Weights: Liquidity 20%, Securities 15%, Capitalization 25%, Asset Quality 25%, Reserves 15%. See functions/src/vitalSignsScore.ts for the complete formula and band anchors.
Period addressing
Per-quarter URLs accept "YYYY-Q{n}" (canonical), "YYYYqQ" (compact form), or "YYYY-MM-DD" quarter-end dates. All forms canonicalize to the same snapshot.
Source data
FFIEC Call Report Schedules RC, RC-A, RC-B, RC-E, RC-M, RC-N, RC-R, RI, and RI-B Pt I/II via CallReport_Financials + CallReport_FdicData (Visbanking nightly ingest).

Five-pillar framework follows industry-standard bank-health analytical conventions. Composite scoring is Visbanking's own.

Generated: 2026-05-14 14:57:20 UTC