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 Independence, OH against its peer group of 2757 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 | 0.71% | 1.25% | -0.54% | 18th bottom |
| ROAE | 5.05% | 12.22% | -7.17% | 13th bottom |
| Net Interest Margin | 2.99% | 3.95% | -0.96% | 9th bottom |
| Efficiency Ratio | 67.72% | 63.71% | +4.01% | 32nd below |
| PPNR / Avg Assets | 0.93% | — | — | 17th bottom |
| Yield on Earning Assets | 5.14% | 5.67% | -0.53% | 28th below |
| Cost of Funds | 2.49% | 1.87% | +0.62% | 15th bottom |
| Net Interest Spread | 2.00% | — | — | 4th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.26% | 0.88% | -0.62% | 60th above |
| NPA / Total Assets | 0.14% | — | — | 66th above |
| NCO / Avg Loans | 1.04% | 0.15% | +0.89% | 3rd bottom |
| ACL / Total Loans | 3.52% | — | — | 99th top |
| ACL / NPLs (Coverage) | 1356.30% | — | — | — |
| Texas Ratio | 0.87% | 5.96% | -5.09% | 70th above |
| Provision / NCO | 0.00% | — | — | 14th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 14.46% | 11.75% | +2.71% | 84th top |
| Equity / Assets | 14.31% | 10.98% | +3.33% | 86th top |
| TCE / Tangible Assets | 14.31% | — | — | 87th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 64.37% | 80.44% | -16.07% | 79th top |
| Core Deposit Ratio | 63.34% | 86.95% | -23.61% | 2nd bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 4.31% | — | — | 48th below |
| Loan Growth (Y/Y) | -9.02% | — | — | 3rd bottom |
| Deposit Growth (Y/Y) | 4.76% | — | — | 55th above |
See Independence Bank's peers by name
The 2757 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.