BanksINDEPENDENCE STATE BANK

INDEPENDENCE STATE BANK

INDEPENDENCE, WIMicroEst. Jan. 1, 1897, midnightFDIC #10741RSSD #396057FDIC
Latest · 2025-12-31

INDEPENDENCE STATE BANK is an 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%. CET1 capital ratio: 12.15%, well above regulatory minimums. NPL ratio: 0.00% · Texas Ratio: 0.00%. Operates 3 domestic branches.

Assets
$88M
Deposits
$76M
Loans
$65M
Equity
$9M

Profitability

Return on Assets (ROA)1.36%
Return on Equity (ROE)14.03%
Net Interest Margin4.90%
Yield on Assets6.40%
Cost of Funds1.59%

Asset Quality

NPL Ratio0.00%
Net Charge-Off Ratio0.00%
Texas Ratio0.00%
NPA Ratio0.00%
ACL / Loans1.07%

Capital & Liquidity

CET1 Ratio12.15%
Tier 1 Capital12.15%
Total Capital Ratio13.15%
Leverage Ratio10.04%
Loan-to-Deposit84.55%

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