Independence Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Independence Bank of Havre, MT against its peer group of 941 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.91% | 1.34% | +0.57% | 83rd top |
| ROAE | 15.94% | 12.34% | +3.60% | 75th top |
| Net Interest Margin | 4.63% | 3.83% | +0.80% | 90th top |
| Efficiency Ratio | 41.96% | 58.97% | -17.01% | 90th top |
| PPNR / Avg Assets | 2.69% | — | — | 90th top |
| Yield on Earning Assets | 6.42% | 5.71% | +0.71% | 87th top |
| Cost of Funds | 2.01% | 2.02% | -0.01% | 51st above |
| Net Interest Spread | 3.95% | — | — | 90th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.46% | 0.87% | -0.41% | 56th above |
| NPA / Total Assets | 0.37% | — | — | 55th above |
| NCO / Avg Loans | 0.00% | 0.43% | -0.43% | 73rd above |
| ACL / Total Loans | 1.35% | — | — | 75th top |
| ACL / NPLs (Coverage) | 294.37% | — | — | 63rd above |
| Texas Ratio | 2.74% | 5.48% | -2.74% | 60th above |
| Provision / NCO | 14100.00% | — | — | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 15.16% | 14.99% | +0.17% | 70th above |
| Tier 1 Ratio | 15.16% | 15.02% | +0.14% | 70th above |
| Total Capital Ratio | 16.38% | — | — | 71st above |
| Leverage Ratio | 13.39% | 11.11% | +2.28% | 87th top |
| Equity / Assets | 12.14% | 11.02% | +1.12% | 76th top |
| TCE / Tangible Assets | 12.03% | — | — | 82nd top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 92.39% | 86.99% | +5.40% | 37th below |
| Core Deposit Ratio | 83.27% | 85.57% | -2.30% | 29th below |
| Uninsured Deposit Ratio | 28.24% | 33.19% | -4.95% | 58th above |
| Wholesale Funding Ratio | 1.16% | — | — | 79th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 3.97% | — | — | 40th below |
| Loan Growth (Y/Y) | 11.42% | — | — | 76th top |
| Deposit Growth (Y/Y) | 1.43% | — | — | 25th below |
See Independence Bank's peers by name
The 941 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Independence Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Independence Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Independence Bank peer analysis.