Who We Are

The history of Independence Bank is a history of people who shared a dream of creating a strong community bank. They envisioned a bank that would provide extraordinary service to its customers and grow along with its communities.

Today, Independence Bank continues to break new ground with new locations and innovative financial products. For your personal needs, we offer free checking and free savings, as well as the convenience of online banking. For businesses, we offer online banking, business checking and a range of business and agriculture loans.

Where We Come From

Independence Bank’s roots can be traced all the way back to 1909, when Farmers & Merchants Bank opened in McLean County, Ky. In 1971, Charles A. Reid and Maurice E. Reisz purchased Farmers & Merchants Bank in McLean County as well as Providence State Bank in Webster County. Soon after, Chris Reid joined his father and uncle and assumed a leadership role in the banks.

In 1997, the two small banks were incorporated under one name, Independence Bank. Where did the name come from? From Charles’ granddaughter, Lauren. While on a family vacation in Philadelphia, she noticed Independence Hall looked like a bank. And the rest is history.

With the new name, the bank began a rapid expansion into surrounding communities throughout Kentucky. One thing was critical to the success of this expansion – persuading the best bankers in each community to join the Independence Bank team.

In 2001, Chris took over his father’s role as President. On October 11, 2002, ground was broken for a new main office in the heart of Owensboro. “Independence Square” was completed in July 2004.

What We Do

Everyone at Independence Bank focuses on something we call Everyday Excellence. We work to exceed customer expectations every day. We’re not the kind of bank concerned only with our bottom line. Instead, we do what’s right for our customers.

Where We’re Going

We provide the communities we serve the best financial tools and expertise available. We constantly invest in technology, so our customers can bank quickly, conveniently and securely. And we continually invest in our people, so they can develop, master and share the most effective financial strategies to help you reach your financial goals.

How We're Involved

We may be bankers, but we’re also your neighbors. Through investments and through involvement, we work to elevate the quality of life in each community we serve.