INDEPENDENCE BANK

HAVRE, MT | Large | Est. March 12, 1973, midnight | FDIC #20989 | RSSD #606653 | FDIC
Latest Report: 2025-12-31

INDEPENDENCE BANK is aln large FDIC-insured commercial bank headquartered in HAVRE, MT, established in March 12, 1973, midnight. As of 2025-12-31, the bank reported total assets of $1.3B and total deposits of $1.2B. Profitability stands at 1.51% ROA and 12.72% ROE, with a net interest margin of 4.69%. The bank's CET1 capital ratio is 15.42%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.38% and a Texas Ratio of 2.34%. FDIC Certificate #20989.

Assets

$1.3B

Deposits

$1.2B

Loans

$1.0B

Equity

$161M

Profitability

Return on Assets (ROA) 1.51%
Return on Equity (ROE) 12.72%
Net Interest Margin (NIM) 4.69%
Yield on Assets 6.68%
Cost of Funds 3.13%

Asset Quality

NPL Ratio 0.38%
Net Charge-Off Ratio -0.03%
Texas Ratio 2.34%
NPA Ratio 0.31%
ACL / Loans 1.42%

Capital & Liquidity

CET1 Ratio 15.42%
Tier 1 Capital 15.42%
Total Capital Ratio 16.67%
Leverage Ratio 12.99%
Loan-to-Deposit 88.86%

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