INDEPENDENCE STATE BANK

INDEPENDENCE, WI | Micro | Est. Jan. 1, 1897, midnight | FDIC #10741 | RSSD #396057 | FDIC
Latest Report: 2025-12-31

INDEPENDENCE STATE BANK is amn micro FDIC-insured commercial bank headquartered in INDEPENDENCE, WI, established in Jan. 1, 1897, midnight. As of 2025-12-31, the bank reported total assets of $88M and total deposits of $76M. Profitability stands at 1.36% ROA and 14.03% ROE, with a net interest margin of 4.90%. The bank's CET1 capital ratio is 12.15%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 0.00%. FDIC Certificate #10741.

Assets

$88M

Deposits

$76M

Loans

$65M

Equity

$9M

Profitability

Return on Assets (ROA) 1.36%
Return on Equity (ROE) 14.03%
Net Interest Margin (NIM) 4.90%
Yield on Assets 6.40%
Cost of Funds 2.39%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio 0.00%
Texas Ratio 0.00%
NPA Ratio 0.00%
ACL / Loans 1.07%

Capital & Liquidity

CET1 Ratio 12.15%
Tier 1 Capital 12.15%
Total Capital Ratio 13.15%
Leverage Ratio 10.04%
Loan-to-Deposit 84.55%

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