20 published fees; none has a market median to compare yet.
Source: its fee schedule, read Oct 28, 2026.
Total assets
Q2 2026, quarter end
FDIC call report data · Jun 30, 2026
Revenue
Q2 2026, one quarter
FDIC call report data · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FDIC call report data · Jun 30, 2026
Service-charge share of revenue
Not available
Peer figures could not be read
Not on file
Fees above the U.S. median
None compared
No fee has a median to compare
Fee schedule read Oct 28, 2026
Call-report figures are for Independence Bank of Kentucky at the bank level, not its holding company. Revenue is net interest income plus noninterest income.
| Metric | Measure and calculation | Source and fields | Period | Retrieved |
|---|---|---|---|---|
| Total assets | Total assets at quarter end Point in time, at quarter end | FDIC BankFind Suite (call report data) ASSET | Q2 2026 Quarter ended Jun 30, 2026 | Oct 24, 2026 |
| Revenue | Revenue (net interest + noninterest income) One quarter, as reported | FDIC BankFind Suite (call report data) NIMQ + NONIIQ | Q2 2026 Quarter ended Jun 30, 2026 | Oct 24, 2026 |
| Service-charge income | Service charges on deposit accounts One quarter, as reported | FDIC BankFind Suite (call report data) ISERCHGQ | Q2 2026 Quarter ended Jun 30, 2026 | Oct 24, 2026 |
| Service-charge share of revenue | Service charges on deposit accounts divided by revenue (net interest + noninterest income) Shown when at least 10 banks of its size report a share above 0%. | Not on file | Not on file | Not recorded |
| Fees above the U.S. median | Published fees above the U.S. median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Independence Bank of Kentucky's published fee schedule; Bank Fee Index medians | Current schedule | Oct 28, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service-charge income was $660K in Q2 2026, 11% above the same quarter a year earlier ($597K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
Comparison with U.S. medians for fees published by banks and credit unions.
Overdraft (OD)
NSF / Returned Item
Non-Network ATM
A blank median means fewer than 5 publish the fee.
Each amount links to the fee schedule it was read from. Medians for Kentucky, the St. Louis district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Service-charge income rose 2.5% from Q3 2025 to Q2 2026, to $660K.
$660K
Independence Bank of KentuckyMedian
FDIC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.
Independence Bank of Kentucky · $3.8B in assets
The 25 banks closest in assets
Banks of similar size, for comparing published prices. Not local competitors: they're spread over 19 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Independence Bank of Kentucky(this institution) | Owensboro, KY | $3.8B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Bank of the Sierra | Porterville, CA | $3.7B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Bank of Utah | Ogden, UT | $3.8B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Capital Bank, National Association | Rockville, MD | $3.8B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Central Bank & Trust Co. | Lexington, KY | $4B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Colony Bank | Fitzgerald, GA | $3.6B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Commercial Bank of California | Irvine, CA | $4B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Cornerstone Capital Bank, SSB | Houston, TX | $3.7B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| First Bank | Hamilton, NJ | $4.1B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First Community Bank | Batesville, AR | $3.6B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First Community Bank | Bluefield, VA | $3.6B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| First Guaranty Bank | Hammond, LA | $3.9B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| First PREMIER Bank | Sioux Falls, SD | $3.6B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Frandsen Bank & Trust | Lonsdale, MN | $3.7B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Gate City Bank | Fargo, ND | $4B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Gulf Coast Bank and Trust Company | New Orleans, LA | $3.9B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Home Bank, National Association | Lafayette, LA | $3.6B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Manasquan Bank | Manasquan, NJ | $3.6B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Pinnacle Bank | Elberton, GA | $4B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| RCB Bank | Claremore, OK | $4B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| River Bank & Trust | Prattville, AL | $4B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Security Bank of Kansas City | Kansas City, KS | $3.9B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Spencer Savings Bank, SLA | Elmwood Park, NJ | $4B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Union Savings Bank | Cincinnati, OH | $4B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| West Bank | West Des Moines, IA | $4B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Woori America Bank | New York, NY | $4.1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
✓ publishes the fee. – not published.
25 peers selected · 17 publish this fee(monthly maintenance)
8 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
The peer median is $8.48 among 17 publishing peers.
This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.
Source: Bank Fee Index, published fee schedules, as of Nov 2, 2026.
Monthly maintenance fee in dollars, one mark per institution
Independence Bank of Kentucky does not publish a monthly maintenance fee, so it is not on this chart.
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Nov 2, 2026. Total assets from FDIC and NCUA records.
Call reports for Independence Bank of Kentucky (bank level, not the holding company). Income lines are standalone quarters.
Service-charge income
Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file
| Quarter | Amount | Change | % |
|---|---|---|---|
| Q2 2026 | $660K | −$16K | −2.4% |
| Q1 2026 | $676K | +$1K | +0.1% |
| Q4 2025 | $675K | +$31K | +4.8% |
| Q3 2025 | $644K | +$47K | +7.9% |
| Q2 2025 | $597K | −$7K | −1.2% |
| Q1 2025 | $604K | −$17K | −2.7% |
| Q4 2024 | $621K | −$14K | −2.2% |
| Q3 2024 | $635K | +$24K | +3.9% |
Insufficient sample: fewer than 10 peers of its size reported a share.
Amounts from Independence Bank of Kentucky’s own schedules, with a source for each figure.
per hour
per hour
per year
per year
per year
per page · | Concierge Fax Sent for Customer<br>(per page) | $5.00 |
per page · | Concierge Photo Copies Made for Customer<br>(per page) | $1.00 |
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Account Closed within 90 Days of Opening | $50 | Not stated | None |
| Dormant Account Fee | $5 | Not stated | None |
| Escheatment | $100 | Not stated | None |
| Account Research | $25Not compared: Charged per hour; comparison unavailable | per hour | None |
| Reconcile Statement | $10Not compared: Charged per hour; comparison unavailable | per hour | None |
| Returned Mail per mail item returned to the Bank - after 1st item | $5 | Not stated | None |
| Mailed paper Statement | $2 | Not stated | None |
Overdraft & NSF | |||
| Overdraft This fee is imposed per item presented, that is PAID which overdrafts the checking account | $35 | per item | None |
| Nonsufficient Funds (NSF) This fee is imposed per item presented, that is RETURNED on the checking account, even if it i | $35 | per item | None |
ATM & Card | |||
| Off-Premise ATM Fee<br>(per withdrawal) | $1.50 | per item | None |
| Reissue Visa Debit Card | $10 | Not stated | None |
Wire Transfers | |||
| ### Wire Transfer Fees: Domestic | $25 | Not stated | None |
| ### Wire Transfer Fees: Domestic | $10 | Not stated | None |
| Incoming Wire Transfer: Domestic | $10 | Not stated | None |
| ### Wire Transfer Fees: Foreign | $50 | Not stated | None |
| ### Wire Transfer Fees: Foreign | $20 | Not stated | None |
| Incoming Wire Transfer: Foreign | $20 | Not stated | None |
Check Services | |||
| Cashier's Check | $5 | Not stated | None |
| Stop Payment | $35 | Not stated | None |
| Temporary Checks (4 per page) | $2 | per item | None |
| Collection Item outgoing and incoming | $25 | Not stated | None |
Cash & Deposit | |||
| Chargeback (Returned Deposited Item) | $10 | Not stated | None |
Account Services | |||
| 3 x 9, 4 x 6, and 5 x5 | $35 | per year | None |
| 4 x 10 and 5 x 10 | $50 | per year | None |
| 8 x 9 and 10 x 10 | $75 | per year | None |
| Lost safe deposit box key | $25Not compared: Box drilling or key fee | Not stated | None |
| Safe Deposit Box 2 x 5 | $20 | Not stated | None |
| Safe Deposit Box 3 x 10 | $40 | Not stated | None |
| Safe Deposit Box 3 x 5 | $30 | Not stated | None |
| Safe Deposit Box Drilling | $150Not compared: Box drilling or key fee | Not stated | None |
| Safe deposit late payment fee | $10Not compared: Box drilling or key fee | Not stated | None |
| Processing Levy or Garnishment | $75 | Not stated | None |
Gift & Prepaid Cards | |||
| Visa Gift Card | $3 | Not stated | None |
Other Fees | |||
| Concierge Fax Sent for Customer<br>(per page) | $5Not compared: Charged per page; comparison unavailable | per page | | Concierge Fax Sent for Customer<br>(per page) | $5.00 | |
| Concierge Photo Copies Made for Customer<br>(per page) | $1Not compared: Charged per page; comparison unavailable | per page | | Concierge Photo Copies Made for Customer<br>(per page) | $1.00 | |
Oct 28, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Where Independence Bank of Kentucky operates, and what regulators and customers have on file.
In Owensboro, KY, Independence Bank of Kentucky holds 33.8% of bank deposits, #1 of 14, with 4 offices.
40 offices of 20 institutions shown.
Source: FDIC Summary of Deposits, as of June 30, 2026 (bank offices); NCUA branch file, quarter ending June 30, 2026 (credit union offices).
Share of bank deposits
As of June 30, 2026. FDIC-insured offices only; credit unions are not included.
8 of 14 institutions shown. $3.3B in bank deposits in the metro.
Source: FDIC Summary of Deposits, as of June 30, 2026.
Position over time, 2010 to 2026
June 2026: 33.8% share, 4 offices, #1 of 14
Deposit share
Offices
Rank (1 is largest)
Source: FDIC Summary of Deposits, as of June 30 of each year, 2010 to 2026.
Credit unions, reported separately
10 offices of 7 credit unions in the metro's cities. NCUA does not report deposits by office, so credit unions have no share above.
Source: NCUA branch file, quarter ending June 30, 2026.
Fee change alerts
We check once a day and send one email covering every change.