Independence State 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: 3.64 percentage points higher than in Q1 2026, at 456.58%. Within Wisconsin, Independence State Bank is 79th of 153 on return on assets, 1.27% as of Q2 2026, below the middle of the field. Independence State Bank reported 1.27% on return on assets for Q2 2026, 0.28 points above the 0.98% median for banks in the < $100M asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 12.43% |
| Tier 1 risk-based capital ratio | 12.43% |
| Total risk-based capital ratio | 13.43% |
| Tier 1 leverage ratio | 10.38% |
| Equity capital to assets | 10.25% |
| Tangible equity to tangible assets | 10.25% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.23% |
| Non-performing assets ratio | 0.18% |
| Net charge-off ratio | -0.01% |
| Texas ratio | 1.63% |
| Allowance for credit losses to loans | 1.06% |
| Reserve coverage of non-performing loans | 456.58% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.27% |
| Return on equity | 12.79% |
| Net interest margin | 4.67% |
| Efficiency ratio | 67.94% |
| Yield on earning assets | 6.04% |
| Cost of funds | 1.49% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 90.69% |
| Core deposits to total deposits | 89.60% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 85.80% |
| Securities to assets | 14.40% |
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 | 11.90% | 11.90% | 13.09% | 9.18% | 0.49% |
| Q4 2023 | 12.10% | 12.10% | 13.27% | 9.24% | 0.33% |
| Q1 2024 | 11.84% | 11.84% | 13.00% | 9.06% | 0.58% |
| Q2 2024 | 11.87% | 11.87% | 13.01% | 9.31% | 0.69% |
| Q3 2024 | 12.12% | 12.12% | 13.26% | 9.35% | 0.83% |
| Q4 2024 | 12.56% | 12.56% | 13.70% | 9.62% | 0.86% |
| Q1 2025 | 12.04% | 12.04% | 13.15% | 9.26% | 0.98% |
| Q2 2025 | 12.15% | 12.15% | 13.23% | 9.65% | 1.16% |
| Q3 2025 | 11.96% | 11.96% | 13.00% | 9.83% | 1.25% |
| Q4 2025 | 12.15% | 12.15% | 13.15% | 10.04% | 1.35% |
| Q1 2026 | 12.20% | 12.20% | 13.21% | 9.82% | 1.11% |
| Q2 2026 | 12.43% | 12.43% | 13.43% | 10.38% | 1.27% |
Independence State Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Independence State 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 State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10741) · FFIEC NIC profile (RSSD 396057)