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Independent Correspondent Bankers' Bank, Inc.

$100M-$1B Specialty: Commercial KY FDIC cert 27219

Frankfort, KY

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 88 in KY.
  • Deposits +25.9% year over year ($82.5M on the books).
  • Delinquency rate 1.00%.
  • Return on assets 0.73%.
  • Efficiency ratio 81.97% vs a 64.48% peer average.
  • Loan-to-deposit ratio 98.68% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 88 in KY
View $100M-$1B leaderboard (KY) →

Independent Correspondent Bankers' Bank, Inc. has 2 strengths but faces 6 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Revenue Diversifier: Top 43.7% in tier
  • + Non-Interest-Bearing Deposit Share 29.69% above tier average

Key Concerns

Areas that may need attention

  • - Efficiency Drag: Bottom 4.7% in tier
  • - Liquidity Overhang: Bottom 11.2% in tier
  • - Liquidity Strain: Bottom 31.7% in tier
  • - ROA 0.60% below tier average
  • - Net Interest Margin 0.62% below tier average
  • - Delinquency Rate 0.08% above tier average
Get updates when Independent Correspondent Bankers' Bank, Inc. releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
Total Assets ? $151.4M
+6.7% YoY +6.7% QoQ
-$235.2M $386.6M
+1.2% YoY
$707.7M
+4.5% YoY
$6.3B
+7.7% YoY
Bottom 14.5% in tier
Total Loans ? $81.5M
+2.0% YoY -4.8% QoQ
-$176.9M $258.3M
+1.7% YoY
$500.8M
+5.4% YoY
$3.2B
+9.4% YoY
Bottom 11.3% in tier
Total Deposits ? $82.5M
+25.9% YoY -19.4% QoQ
-$244.2M $326.7M
+0.7% YoY
$593.9M
+4.1% YoY
$4.9B
+7.3% YoY
Bottom 1.2% in tier
Return on Assets ? 0.73%
-25.2% YoY +28.8% QoQ
-0.60% 1.32%
+10.8% YoY
1.28%
+12.5% YoY
1.30%
+12.1% YoY
20%
Net Interest Margin ? 3.37%
+8.1% YoY +4.6% QoQ
-0.62% 3.99%
+5.0% YoY
3.93%
+6.2% YoY
3.95%
+4.9% YoY
22%
Efficiency Ratio ? 81.97%
+14.7% YoY -2.0% QoQ
+17.49% 64.48%
-3.2% YoY
64.24%
-3.9% YoY
70.05%
+2.5% YoY
Bottom 11.8% in tier
Delinquency Rate ? 1.00%
+3.4% QoQ
+0.08% 0.92%
+15.7% YoY
0.91%
+20.0% YoY
0.98%
+16.3% YoY
28%
Loan-to-Deposit Ratio ? 98.68%
-19.0% YoY +18.1% QoQ
+20.73% 77.95%
+1.0% YoY
81.25%
+1.1% YoY
79.03%
+2.3% YoY
Bottom 11.8% in tier
Non-Interest-Bearing Deposit Share ? 51.72%
-11.9% YoY -7.1% QoQ
+29.69% 22.03%
-0.6% YoY
23.27%
-2.3% YoY
21.98%
-0.6% YoY
Top 1.3% in tier
Nonperforming Asset Ratio ? 0.54%
+24.5% YoY -7.7% QoQ
-0.13% 0.67%
+16.4% YoY
0.64%
+23.9% YoY
0.69%
+15.8% YoY
38%
Tier 1 Capital Ratio ? 22.65%
+1.9% YoY +6.2% QoQ
+6.74% 15.91%
+1.4% YoY
16.76%
+11.6% YoY
17.09%
+0.8% YoY
Top 9.5% in tier
Non-Interest Income / Assets ? 0.70%
-14.8% YoY +86.3% QoQ
+0.13% 0.57%
+7.6% YoY
0.31%
+0.1% YoY
0.66%
+5.2% YoY
Top 5.8% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
Noninterest-Bearing 51.7%
-7.0pp YoY
-4.0pp QoQ
 +29.6pp 22.1% 23.5% 22.2% 99%
Brokered Deposits 9.1%
-13.8pp YoY
-5.4pp QoQ
 +1.3pp 7.9% 5.4% 8.5% 72%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
C&I 6.7%
-0.9pp YoY
-0.3pp QoQ
 -4.9pp 11.6% 8.6% 12.5% 30%
CRE 69.5%
-2.1pp YoY
-0.9pp QoQ
 +30.0pp 39.5% 37.1% 41.4% 93%
1-4 Family 3.0%
-1.2pp YoY
-0.5pp QoQ
 -29.6pp 32.6% 41.6% 31.3% 3%
Consumer 0.4%
0.0pp YoY
0.0pp QoQ
 -3.7pp 4.1% 4.8% 5.0% 14%

Capital

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
CET1 Ratio 22.6%
+0.4pp YoY
+1.3pp QoQ
 +3.8pp 18.8% 20.2% 19.7% 85%
Leverage Ratio 13.2%
-0.5pp YoY
+0.5pp QoQ
 +1.0pp 12.2% 14.0% 12.6% 76%
Total Capital Ratio 23.9%
+0.4pp YoY
+1.3pp QoQ
 +4.0pp 19.9% 21.3% 20.8% 85%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
Full-Time Employees 29
-3 (-9.4%) YoY
+1 (+3.6%) QoQ
 -30 58 105 482 25%
Assets per Employee ($) $5.2M
+17.7% YoY
+3.0% QoQ
 -$2.3M $7.5M $6.3M $8.8M 18%
Branch Count 1
0 YoY
0 QoQ
 -4 4 8 18 0%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.3% 0.4% n/a
Nonaccrual 1.0%
0.0pp QoQ
 +0.1pp 0.9% 0.8% 1.0% 71%
Allowance Coverage 1.42x
+1.7% QoQ
 -22.74x 24.15x 7.45x 20.23x 38%
Net Charge-off Rate (YTD) -0.0%
0.0pp YoY
0.0pp QoQ
 -0.2pp 0.1% 0.1% 0.2% 19%

Profitability

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
ROE 5.1%
-2.0pp YoY
+1.2pp QoQ
 -7.1pp 12.2% 13.3% 11.6% 14%
Cost of Funds (YTD) 2.4%
-0.2pp YoY
-0.1pp QoQ
 +0.7pp 1.7% 1.7% 1.7% 88%
Net Income ($, YTD) $530,000
-23.9% YoY
— QoQ
 -$2.0M $2.6M $5.1M $40.4M 12%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Revenue Diversifier

growth
#290 of 661 • Top 43.7% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature
Noninterest Income / Assets: 0.70%
(Tier: 0.57%, National: 0.66%)
better than tier avg
Return on Assets: 0.73%
(Tier: 1.32%, National: 1.30%)
but worse than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank declining

Concerns (3)

Efficiency Drag

risk
#18 of 361 • Bottom 4.7% in tier

Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.

Why this signature
Efficiency Ratio: 81.97%
(Tier: 64.48%, National: 70.05%)
worse than tier avg
361 of 361 Community banks match · 426 nationally
↓ Shrinking -64 banks QoQ | QoQ rank improving

Liquidity Overhang

risk
#84 of 742 • Bottom 11.2% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature
Tier 1 Capital Ratio: 22.65%
(Tier: 15.91%, National: 17.09%)
better than tier avg
Loan-to-Deposit Ratio: 98.68%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
742 of 742 Community banks match · 940 nationally
→ Stable +7 banks QoQ | QoQ rank improving

Liquidity Strain

risk
#220 of 691 • Bottom 31.7% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature
Loan-to-Deposit Ratio: 98.68%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
691 of 691 Community banks match · 1092 nationally
→ Stable +81 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (3 metrics)

36
Non-Interest-Bearing Deposit Share
funding
Value: 51.72%
Peer Median: 22.03%
#36 of 2643 Top 1.3% in $100M-$1B
154
Non-Interest Income / Assets
revenue_mix
Value: 0.70%
Peer Median: 0.57%
#154 of 2643 Top 5.8% in $100M-$1B
252
Tier 1 Capital Ratio
capital
Value: 22.65%
Peer Median: 15.91%
#252 of 2643 Top 9.5% in $100M-$1B

Top Weaknesses (7 metrics)

2613
Total Deposits
size
Value: $82.54M
Peer Median: $326.73M
#2613 of 2643 Bottom 1.2% in $100M-$1B
2346
Total Loans
size
Value: $81.45M
Peer Median: $258.35M
#2346 of 2643 Bottom 11.3% in $100M-$1B
2332
Loan-to-Deposit Ratio
liquidity
Value: 98.68%
Peer Median: 77.95%
#2332 of 2643 Bottom 11.8% in $100M-$1B
2331
Efficiency Ratio
profitability
Value: 81.97%
Peer Median: 64.48%
#2331 of 2643 Bottom 11.8% in $100M-$1B
2261
Total Assets
size
Value: $151.38M
Peer Median: $386.57M
#2261 of 2643 Bottom 14.5% in $100M-$1B
2117
Return on Assets
profitability
Value: 0.73%
Peer Median: 1.32%
#2117 of 2643 Bottom 19.9% in $100M-$1B
2057
Net Interest Margin
profitability
Value: 3.37%
Peer Median: 3.99%
#2057 of 2643 Bottom 22.2% in $100M-$1B
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