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Bank

Independence Bank of Kentucky

Q3 2026Quarter ended ⁨Sep 30, 2026⁩Filed ⁨Oct 26, 2026⁩

Filing on SEC EDGAR Compare institutions

Summary

Reported value: $895.27M
Positions: 642
Top 5 weight: 26.7%
Effective positions: 40.9
Options share: 0.0%

Filer and filing details

Filer of record: Independence Bank of Kentucky
CIK: 1730479OWENSBORO, KY
Period analysed: Q3 2026 · Quarter ended ⁨Sep 30, 2026⁩Filed with the SEC on ⁨Oct 26, 2026⁩
Last successful SEC check: Nov 13, 2026, 04:57 UTCHoldings period: Q3 2026 · Stored data synced: Oct 28, 2026, 02:42 UTC
Official source: Filing on SEC EDGARAll 13F filings on EDGAR
Signatory: Kathryn Wilson, Trust Operations Officer

Key changes

Q2 2026 → Q3 2026

New 63Increased 134Reduced 182Exited 10Unverified 1

Key findings from the filings

The 5 largest positions make up ⁨26.7%⁩ of reported value in ⁨Q3 2026⁩⁨, compared with ⁨24.7%⁩ in ⁨Q2 2026⁩⁩. The largest is ⁨S&P 500 Tr UTS Unit 1 Ser⁩ at ⁨10.6%⁩.
⁨Technology⁩ rose from ⁨25.6%⁩ to ⁨27.4%⁩ of reported value between ⁨Q2 2026⁩ and ⁨Q3 2026⁩.Weights move with prices as well as with share counts.
Largest documented increase: ⁨Ishares Gold Trust New ETF⁩ ⁨(IAU) ⁩— ⁨+23,950⁩ shares (⁨+362.8%⁩), about ⁨$1.87M⁩ at the period-end value per share.
Largest documented reduction: ⁨S&P 500 Tr UTS Unit 1 Ser⁩ ⁨(SPY) ⁩— ⁨−2,013⁩ shares (⁨−1.6%⁩), about ⁨$1.54M⁩ at the period-end value per share.
⁨63⁩ new positions worth ⁨$2.09M⁩ in ⁨Q3 2026⁩, and ⁨10⁩ positions fully exited (worth ⁨$6.19M⁩ in ⁨Q2 2026⁩).
Reported value changed by ⁨+$7.7M⁩ from ⁨Q2 2026⁩ to ⁨Q3 2026⁩: ⁨+$14.45M⁩ from price moves on shares held in both quarters, ⁨−$2.63M⁩ from changes in share counts, ⁨+$2.09M⁩ from new positions and ⁨−$6.19M⁩ from exits⁨, and ⁨−$10.3K⁩ from lines that cannot be split (such as notes)⁩.A change in reported value is not an investment return: most of it can come from price moves.

Each finding is computed from the filed numbers shown on this page.

Largest documented changes

Security	Status	Share change	Weight
Exxon Mobil Corp	Exited	−39,901	0.6% → 0.0%
IAUIshares Gold Trust New ETF	Increased	+23,950 (+362.8%)	0.1% → 0.3%
SPYS&P 500 Tr UTS Unit 1 Ser	Reduced	−2,013 (−1.6%)	10.7% → 10.6%
AVDEAvantis International Equity ETF	Increased	+16,985 (+8.1%)	2.1% → 2.3%
CRWDCrowdstrike Holdings Inc Class A	Increased	+4,854 (+260.5%)	0.2% → 0.2%
NFLXNetflix Inc Common	Reduced	−18,285 (−20.8%)	0.7% → 0.5%
PANWPalo Alto Networks Inc Common	Reduced	−3,031 (−24.7%)	0.5% → 0.4%
NVDANvidia Corp Common	Increased	+5,160 (+3.6%)	3.2% → 3.7%
AAPLApple Incorporated	Reduced	−2,677 (−2.3%)	3.7% → 4.1%
AVGOBroadcom Inc	Increased	+2,467 (+11.6%)	0.9% → 0.9%

Changes compare filed share counts at two quarter ends. They are not trades made on a particular day, and a filing does not reveal purchase prices.

Holdings in ⁨Q3 2026⁩

Search security, ticker or CUSIP

Change

	Ticker					Status
S&P 500 Tr UTS Unit 1 SerTR UNIT · 78462F103	SPY	124,888	$95.24M	10.64%	−2,013 (−1.6%)	Reduced
Microsoft CorpCOM · 594918104	MSFT	83,387	$42.77M	4.78%	+83 (+0.1%)	Increased
Apple IncorporatedCOM · 037833100	AAPL	111,305	$37.07M	4.14%	−2,677 (−2.3%)	Reduced
Nvidia Corp CommonCOM · 67066G104	NVDA	146,829	$33.53M	3.75%	+5,160 (+3.6%)	Increased
JP Morgan Chase & CoCOM · 46625H100	JPM	91,333	$30.22M	3.38%	−1,457 (−1.6%)	Reduced
Alphabet Inc Class ACAP STK CL A · 02079K305	GOOGL	85,236	$29.33M	3.28%	+285 (+0.3%)	Increased
Amazon Com IncCOM · 023135106	AMZN	94,851	$23.63M	2.64%	−1,271 (−1.3%)	Reduced
Vanguard Total Stock Market ETFTOTAL STK MKT · 922908769	VTI	62,907	$23.54M	2.63%	+1 (+0.0%)	Increased
Avantis International Equity ETFINTL EQT ETF · 025072703	AVDE	225,968	$20.36M	2.27%	+16,985 (+8.1%)	Increased
Lilly Eli & CoCOM · 532457108	LLY	14,210	$16.44M	1.84%	−150 (−1.0%)	Reduced
Vanguard S&P 500 Index ETFS&P 500 ETF SHS · 922908363	VOO	19,953	$13.98M	1.56%	+691 (+3.6%)	Increased
Ishares Tr MSCI EAFE IndexMSCI EAFE ETF · 464287465	EFA	124,733	$12.96M	1.45%	−2,875 (−2.3%)	Reduced
Meta Platform, Inc.CL A · 30303M102	META	17,573	$12.74M	1.42%	−625 (−3.4%)	Reduced
Advanced Micro Devices IncCOM · 007903107	AMD	19,344	$11.83M	1.32%	−1,139 (−5.6%)	Reduced
Vertiv Holdings Co Cl ACOM CL A · 92537N108	VRT	46,715	$11.27M	1.26%	+898 (+2.0%)	Increased
Visa IncCOM CL A · 92826C839	V	30,749	$11.05M	1.23%	−284 (−0.9%)	Reduced
Johnson & JohnsonCOM · 478160104	JNJ	38,272	$10.13M	1.13%	−1,207 (−3.1%)	Reduced
Ishares Russell Midcap IndexRUS MID CAP ETF · 464287499	IWR	82,338	$8.79M	0.98%	−3,402 (−4.0%)	Reduced
Abbvie Inc ComCOM · 00287Y109	ABBV	33,271	$8.7M	0.97%	−696 (−2.0%)	Reduced
Avantis Emerging Markets Equity ETFAVANTIS EMGMKT · 025072604	AVEM	90,241	$8.48M	0.95%	+9,015 (+11.1%)	Increased
Broadcom IncCOM · 11135F101	AVGO	23,693	$8.32M	0.93%	+2,467 (+11.6%)	Increased
Chevron CorporationCOM · 166764100	CVX	40,278	$8.23M	0.92%	−230 (−0.6%)	Reduced
Procter & Gamble CoCOM · 742718109	PG	51,991	$7.55M	0.84%	−518 (−1.0%)	Reduced
Russell 2000 Index FundRUSSELL 2000 ETF · 464287655	IWM	26,723	$7.43M	0.83%	−989 (−3.6%)	Reduced
ASML Holding NVN Y REGISTRY SHS · N07059210	ASML	4,034	$7.31M	0.82%	+52 (+1.3%)	Increased
Ishares S&P 100 Index Fund ETFS&P 100 ETF · 464287101	OEF	17,600	$6.72M	0.75%	−69 (−0.4%)	Reduced
Micron Technology Inc CommonCOM · 595112103	MU	6,299	$6.71M	0.75%	−437 (−6.5%)	Reduced
Vanguard High Dividend Yield ETFHIGH DIV YLD · 921946406	VYM	40,516	$6.29M	0.70%	−140 (−0.3%)	Reduced
Invesco QQQ Tr Unit Ser 1UNIT SER 1 · 46090E103	QQQ	8,473	$6.27M	0.70%	+34 (+0.4%)	Increased
iShares MSCI USA Min Vol Factor ETFMSCI USA MIN ETF · 46429B697	USMV	63,602	$6.2M	0.69%	−280 (−0.4%)	Reduced
Ishares Tr Core S&P 500 ETFCORE S&P500 ETF · 464287200	IVV	7,431	$5.69M	0.64%	+235 (+3.3%)	Increased
Wal Mart IncCOM · 931142103	WMT	52,080	$5.41M	0.60%	−320 (−0.6%)	Reduced
Alphabet Inc Class CCAP STK CL C · 02079K107	GOOG	15,560	$5.3M	0.59%	−135 (−0.9%)	Reduced
Home Depot IncCOM · 437076102	HD	17,693	$5.03M	0.56%	+143 (+0.8%)	Increased
Netflix Inc CommonCOM · 64110L106	NFLX	69,796	$4.86M	0.54%	−18,285 (−20.8%)	Reduced
Oracle CorpCOM · 68389X105	ORCL	35,077	$4.82M	0.54%	+916 (+2.7%)	Increased
Pepsico IncCOM · 713448108	PEP	37,238	$4.72M	0.53%	−200 (−0.5%)	Reduced
Berkshire Hathaway Inc Del Cl B NewCL B NEW · 084670702	BRK/B	9,098	$4.53M	0.51%	−113 (−1.2%)	Reduced
Snowflake Inc. Class ACL A · 833445109	SNOW	13,294	$4.51M	0.50%	−570 (−4.1%)	Reduced
Mastercard IncCL A · 57636Q104	MA	8,177	$4.51M	0.50%	+15 (+0.2%)	Increased
Ishares MSCI Emerging Mkts Index FundMSCI EMG MKT ETF · 464287234	EEM	66,478	$4.44M	0.50%	−2,607 (−3.8%)	Reduced
Merck & Co Inc New ComCOM · 58933Y105	MRK	30,311	$4.4M	0.49%	−429 (−1.4%)	Reduced
Automatic Data ProcessingCOM · 053015103	ADP	16,775	$4.33M	0.48%	−1,020 (−5.7%)	Reduced
Coca Cola CoCOM · 191216100	KO	50,168	$4.32M	0.48%	−4,480 (−8.2%)	Reduced
Ishares Tr Russell 1000 GrowthRUS 1000 GRW ETF · 464287614	IWF	32,601	$4.08M	0.46%	−180 (−0.5%)	Reduced
Philip Morris Int IncCOM · 718172109	PM	21,061	$4.02M	0.45%	−47 (−0.2%)	Reduced
Generac Holdings IncCOM · 368736104	GNRC	19,190	$3.97M	0.44%	+2,702 (+16.4%)	Increased
S&P Global Inc CommonCOM · 78409V104	SPGI	9,796	$3.86M	0.43%	−1,132 (−10.4%)	Reduced
Waste Management Inc NewCOM · 94106L109	WM	18,196	$3.71M	0.41%	−123 (−0.7%)	Reduced
Palo Alto Networks Inc CommonCOM · 697435105	PANW	9,244	$3.67M	0.41%	−3,031 (−24.7%)	Reduced

Showing ⁨50⁩ of ⁨652⁩

Sectors & concentration

Sector mix in ⁨Q3 2026⁩

Funds & ETFs35.7% (+0.1 pp)

Technology27.4% (+1.8 pp)

Industrials8.2% (−0.5 pp)

Financials7.3% (−0.2 pp)

Health care6.7% (−0.0 pp)

Consumer discretionary5.5% (−0.4 pp)

Consumer staples4.5% (−0.3 pp)

Energy2.0% (+0.3 pp)

Utilities1.1% (−0.1 pp)

Communication0.6% (+0.0 pp)

Materials0.5% (−0.1 pp)

Real estate0.4% (+0.0 pp)

Unclassified0.0% (−0.6 pp)

Q3 2026 Q2 2026

Sectors come from each issuer’s SEC industry code (SIC), grouped broadly. This is not a commercial index classification.

Concentration

Concentration	Q3 2026	Q2 2026
Largest position	10.6%	10.7%
Top 5 weight	26.7%	24.7%
Top 10 weight	39.3%	37.2%
Effective positions	40.9	43.4
Options share	0.0%	0.0%

History

Reported value and positions by period

$778MQ3 2025623 Positions

$803.9MQ4 2025724 Positions

$789.4MQ1 2026623 Positions

$887.6MQ2 2026589 Positions

$895.3MQ3 2026642 Positions

Only periods stored for this page are shown (⁨5⁩). Older filings are on SEC EDGAR. A change in reported value is not an investment return: most of it can come from price moves.

Largest holdings across periods (shares)

Security	Q3 2025	Q4 2025	Q1 2026	Q2 2026	Q3 2026
SPYS&P 500 Tr UTS Unit 1 Ser	126,38810.8%	128,12910.9%	130,52510.8%	126,90110.7%	124,88810.6%
MSFTMicrosoft Corp	74,4415.0%	77,5134.7%	80,9043.8%	83,3043.5%	83,3874.8%
AAPLApple Incorporated	121,2944.0%	119,4804.0%	116,0733.7%	113,9823.7%	111,3054.1%
NVDANvidia Corp Common	127,8443.1%	128,6133.0%	134,1313.0%	141,6693.2%	146,8293.7%
JPMJP Morgan Chase & Co	90,9903.7%	91,1933.7%	93,1223.5%	92,7903.4%	91,3333.4%
GOOGLAlphabet Inc Class A	89,1642.8%	86,6213.4%	84,4573.1%	84,9513.4%	85,2363.3%
AMZNAmazon Com Inc	87,7302.5%	89,0012.6%	92,9802.5%	96,1222.6%	94,8512.6%
VTIVanguard Total Stock Market ETF	62,7442.6%	62,7442.6%	62,7132.5%	62,9062.6%	62,9072.6%
AVDEAvantis International Equity ETF	77,8520.8%	120,5971.2%	181,6912.0%	208,9832.1%	225,9682.3%
LLYLilly Eli & Co	14,5211.4%	13,8331.8%	14,2931.7%	14,3601.9%	14,2101.8%
VOOVanguard S&P 500 Index ETF	15,3501.2%	16,8341.3%	18,8721.4%	19,2621.5%	19,9531.6%
EFAIshares Tr MSCI EAFE Index	122,9541.5%	122,4261.5%	128,6701.6%	127,6081.5%	124,7331.4%
METAMeta Platform, Inc.	17,7471.7%	18,6781.5%	18,0431.3%	18,1981.2%	17,5731.4%
AMDAdvanced Micro Devices Inc	22,9540.5%	21,7730.6%	23,4950.6%	20,4831.3%	19,3441.3%
VRTVertiv Holdings Co Cl A	58,8841.1%	56,5931.1%	47,6971.5%	45,8171.7%	46,7151.3%

Sources & method

Filings used

Q3 2026Original report: 0001730479-26-000004 · Oct 26, 2026⁨642⁩ rows as filed → ⁨642⁩ positions after combining managers
Q2 2026Original report: 0001730479-26-000003 · Jul 13, 2026⁨589⁩ rows as filed → ⁨589⁩ positions after combining managers
Q1 2026Original report: 0001730479-26-000002 · Apr 30, 2026⁨623⁩ rows as filed → ⁨623⁩ positions after combining managers
Q4 2025Original report: 0001730479-26-000001 · Jan 20, 2026⁨724⁩ rows as filed → ⁨724⁩ positions after combining managers
Q3 2025Original report: 0001730479-25-000005 · Oct 9, 2025⁨623⁩ rows as filed → ⁨623⁩ positions after combining managers

Data checks

⁨Q3 2026⁩: ⁨Amphenol Corp Class A Com⁩ share counts moved ×⁨2⁩, which may be a stock split. No issuer record confirms it, so the change is shown as unverified, not as a purchase or sale.
⁨Q2 2026⁩: ⁨Vanguard Mid Cap ETF⁩ share counts moved ×⁨4⁩, which may be a stock split. No issuer record confirms it, so the change is shown as unverified, not as a purchase or sale.
⁨Q2 2026⁩: ⁨Booking Holdings Inc⁩ share counts moved ×⁨25⁩, which may be a stock split. No issuer record confirms it, so the change is shown as unverified, not as a purchase or sale.
⁨Q4 2025⁩: ⁨Technology - SPDR Select Sector ETF⁩ share counts moved ×⁨2⁩, which may be a stock split. No issuer record confirms it, so the change is shown as unverified, not as a purchase or sale.
⁨Q4 2025⁩: ⁨Materials - SPDR Select Sector ETF⁩ share counts moved ×⁨2⁩, which may be a stock split. No issuer record confirms it, so the change is shown as unverified, not as a purchase or sale.
⁨Q4 2025⁩: ⁨Consumer Discretionary - SPDR Select Sector ETF⁩ share counts moved ×⁨2⁩, which may be a stock split. No issuer record confirms it, so the change is shown as unverified, not as a purchase or sale.
⁨Q4 2025⁩: ⁨Utilities - SPDR Select Sector ETF⁩ share counts moved ×⁨2⁩, which may be a stock split. No issuer record confirms it, so the change is shown as unverified, not as a purchase or sale.

How these numbers are calculated

Source: the information tables of Form 13F-HR and 13F-HR/A filed by this filer on SEC EDGAR.
Amendments: a restatement replaces the original table; a new-holdings amendment adds rows. Nothing is counted twice.
Rows for the same security (CUSIP, share type and option side) are added together across managers and discretion types.
Values are US dollars as reported at the quarter end. Weights are each line’s share of the period’s total reported value; options count at the value the filer reported.
A change is classified by share count. A stock split adjusts the comparison only when the issuer recorded it in its own SEC filing (XBRL split ratio). A split suggested only by the 13F data, or a CUSIP change matched by ticker or name, is shown as an unverified change, never as a purchase or sale. For positions held in both quarters, the value change is split into a price effect and a share-count effect using the period-end value per share implied by the filing.
When a security’s CUSIP changes but the ticker or issuer stays the same, the two lines are shown as one holding with an unverified change.
If a filing’s value per share is about 1/1000 of what other covered filers reported for the same securities, the page flags that the filer may have reported thousands of dollars. This is an inference, not a confirmation, and values are never changed because of it.
Tickers are matched from CUSIPs through the open FIGI identifier standard; sectors come from issuers’ SEC industry codes. Unmatched lines stay unclassified.
No price information from before a filing’s publication date is used, and nothing here is a return, a forecast or a recommendation.