Independence Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 46.11 percentage points higher than in Q1 2026, at 301.31%. Independence Bank ranks 10th of 35 Montana banks on return on assets, in the upper half at 1.91% (Q2 2026). Independence Bank reported 1.91% on return on assets for Q2 2026, 0.63 points above the 1.27% median for banks in the $1B-10B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 15.16% |
| Tier 1 risk-based capital ratio | 15.16% |
| Total risk-based capital ratio | 16.38% |
| Tier 1 leverage ratio | 13.39% |
| Equity capital to assets | 12.14% |
| Tangible equity to tangible assets | 12.03% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.45% |
| Non-performing assets ratio | 0.36% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 2.74% |
| Allowance for credit losses to loans | 1.35% |
| Reserve coverage of non-performing loans | 301.31% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.91% |
| Return on equity | 15.94% |
| Net interest margin | 4.63% |
| Efficiency ratio | 41.96% |
| Yield on earning assets | 6.42% |
| Cost of funds | 2.01% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 92.39% |
| Core deposits to total deposits | 83.27% |
| Brokered deposits to total deposits | 10.46% |
| Deposits to assets | 86.32% |
| Securities to assets | 16.46% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 14.90% | 14.90% | 16.12% | 12.42% | 1.52% |
| Q4 2023 | 15.63% | 15.63% | 16.88% | 12.48% | 1.24% |
| Q1 2024 | 15.66% | 15.66% | 16.91% | 12.59% | 1.33% |
| Q2 2024 | 14.68% | 14.68% | 15.84% | 12.61% | 1.35% |
| Q3 2024 | 15.29% | 15.29% | 16.49% | 12.64% | 1.48% |
| Q4 2024 | 15.92% | 15.92% | 17.14% | 12.76% | 1.45% |
| Q1 2025 | 15.27% | 15.27% | 16.48% | 12.68% | 1.52% |
| Q2 2025 | 14.90% | 14.90% | 16.06% | 12.60% | 1.57% |
| Q3 2025 | 14.65% | 14.65% | 15.79% | 12.79% | 1.58% |
| Q4 2025 | 15.42% | 15.42% | 16.67% | 12.99% | 1.47% |
| Q1 2026 | 15.39% | 15.39% | 16.64% | 13.08% | 1.92% |
| Q2 2026 | 15.16% | 15.16% | 16.38% | 13.39% | 1.91% |
Independence Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Independence Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Independence Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 20989) · FFIEC NIC profile (RSSD 606653)