Institution profile

Independence Bank of Kentucky

Bank · Active · Headquarters: Owensboro, KY

Profile data observed August 5, 2026

Identity verified through FDIC; additional sources pendingVerification describes the US Mortgage Index public-source matching process. It is not an endorsement or recommendation. Read the methodology

Public-record data only. Not a recommendation, lender endorsement, or rate comparison. Verify current licensing, product availability, and terms independently.

FDIC BankFind baseline

FDIC-reported identity and institutional fields from the public BankFind record. These values are not described as current or real-time.

Legal name: Independence Bank of Kentucky
Display name: Independence Bank of Kentucky
Institution status: Active
FDIC insured: Yes
FDIC insured since: January 1, 1934
Established date: January 1, 1909
Charter class: State-chartered commercial bank, member of the Federal Reserve System (FRS)
Primary federal regulator: Federal Reserve Board
Headquarters: Owensboro, KY, 42301, United States
Website: https://www.1776bank.com
FDIC certificate number: 8136
Federal Reserve RSSD ID: 648242
Domestic location count: 26
Source observed: August 5, 2026

Regulatory profile

Public FFIEC NIC and CRA records for this institution, presented as source-backed regulatory context rather than a score or recommendation.

Regulatory identity

Institution status: ACTIVE
Primary federal regulator: FRS
Institution type: State Member Bank
Primary activity: NAICS 52211
FDIC certificate: 8136
Federal Reserve RSSD ID: 648242
LEI: 5493002N5OA6GM61AC70
Headquarters: 2425 Frederica Street, Owensboro, KY, 42301, United States
Primary deposit insurer: Deposit Insurance Fund (DIF)
Source observed: August 19, 2026

Branch network

Listed locations

Showing 1 through 25 of 25 listed locations

StateCity or branch

Scroll sideways to see every branch column.

Showing 1 through 25 of 25 FFIEC NIC branch locations
Branch	Address	City	State	Postal code
FAIRVIEW BRANCH	877 Fairview Avenue	Bowling Green	KY	42101
FREEDOM SQUARE BRANCH	1950 Scottsville Road	Bowling Green	KY	42104
CAPITAL SQUARE BRANCH	450 Versailles Road	Frankfort	KY	40601
FRANKFORT WEST BRANCH	1228 US Hwy 127 South	Frankfort	KY	40601
HAWESVILLE BRANCH	225 Hawes Road	Hawesville	KY	42348
HIGHWAY 60 BRANCH	1100 Barrett Boulevard	Henderson	KY	42420
LIBERTY SQUARE BRANCH	76 South Green Street	Henderson	KY	42420
LEWISPORT BRANCH	8525 U.s. Highway 60 West	Lewisport	KY	42351
LEXINGTON	444 East Main Street, Suite 108	Lexington	KY	40507
LIVERMORE BRANCH	614 Henton Street	Livermore	KY	42352
ST. MATTHEWS SQUARE BRANCH	3901 Shelbyville Road	Louisville	KY	40207
EAST CENTER BRANCH	629 East Center Street	Madisonville	KY	42431
MADISONVILLE MAIN STREET BRANCH	1776 North Main Street	Madisonville	KY	42431
REVOLUTION SQUARE BRANCH	100 East College Street	Mayfield	KY	42066
GLENDALE BRANCH	721 South 12th Street	Murray	KY	42071
PATRIOT SQUARE BRANCH	507 North 12th Street	Murray	KY	42071
HIGHWAY 54 BRANCH	3228 Highway 54	Owensboro	KY	42303
PARRISH AVENUE BRANCH	2465 Parrish Avenue	Owensboro	KY	42301
JEFFERSON SQUARE BRANCH	3143 Broadway Street	Paducah	KY	42001
LONE OAK ROAD BRANCH	3312 Lone Oak Road	Paducah	KY	42003
NEW HOLT BRANCH	2711 New Holt Road	Paducah	KY	42001
PROVIDENCE BRANCH	211 U.s. 41-a South	Providence	KY	42450
RUSSELLVILLE	115 Sam Walton Drive Suite 1	Russelville	KY	42276
SEBREE BRANCH	308 U.s. Highway 41	Sebree	KY	42455
SHELBYVILLE	65 Mack Walters RD	Shelbyville	KY	40065

Community Reinvestment Act (CRA)

Latest available CRA evaluation

Rating: Satisfactory
Exam date: April 29, 2024
Regulator: Federal Reserve
Examination method: Large Bank Exam

This information reflects Community Reinvestment Act examination ratings reported by the cited official source. It is not a US Mortgage Index rating, recommendation, or assessment of the institution.

CRA evaluations are examination results from the relevant regulatory process and should be interpreted in the context of the examination date and source.

Historical CRA evaluations

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Historical CRA evaluations
Exam date	CRA rating	Regulator	Examination method
April 29, 2024	Satisfactory	Federal Reserve	Large Bank Exam
October 25, 2021	Satisfactory	Federal Reserve	Large Bank Exam
November 26, 2018	Satisfactory	Federal Reserve	Large Bank Exam
May 1, 2017	Satisfactory	FDIC	Large Bank Exam
June 1, 2014	Satisfactory	FDIC	Intermediate Small Bank
March 1, 2011	Satisfactory	FDIC	Intermediate Small Bank
November 1, 2007	Satisfactory	FDIC	Intermediate Small Bank
March 1, 2006	Satisfactory	FDIC	Large Bank Exam
February 1, 2004	Satisfactory	FDIC	Small Bank
December 1, 1998	Satisfactory	FDIC	Small Bank
December 1, 1995	Satisfactory	FDIC	Not Reported
March 1, 1994	Satisfactory	FDIC	Not Reported
April 1, 1991	Satisfactory	FDIC	Not Reported

Read the methodology

Institutional history

1 FFIEC NIC history event

Showing 1 of 1 history events

FFIEC NIC institutional history events
Event date	Event type	Related institution
January 1, 1998	Charter Discontinued (Merger or Purchase & Assumption)	—

These events are shown as reported by the FFIEC NIC source and are not independent legal conclusions.

FFIEC-reported organizational relationships

1 FFIEC NIC relationship record

Showing 1 of 1 relationship records

FFIEC NIC organizational relationships
Relationship	Institution	Type	Location
ROOT_INSTITUTION	INDEPENDENCE BANK OF KENTUCKY	State Member Bank	Owensboro, KY

These relationships reflect the FFIEC NIC source display and should not be interpreted as a complete legal ownership analysis.

FFIEC NIC information reflects public regulatory records observed on the displayed source date. Observed dates describe when the public record was reviewed, not a real-time update.

Additional profile fields

Fields below supplement the primary source baseline and are shown only when present on the public profile.

Entity type: FDIC-insured state-chartered member bank