What is Independence Bank's financial health grade?

Independence Bank has a TFS Financial Health Grade of B (score: 83.8/100). This grade is based on capital adequacy, asset quality, earnings, and consumer protection metrics.

How many branches does Independence Bank have?

Independence Bank has 10 branch locations across the United States.

Is Independence Bank FDIC insured?

Yes, Independence Bank is FDIC insured (Certificate #20989).

What are the total assets of Independence Bank?

Independence Bank has total assets of $1.3B as reported in its most recent FDIC filing.

Independence Bank

BankHavre, Montana

www.ibyourbank.com

Total Assets

$1.3B

Total Deposits

$1.2B

Branches

Established

1973

TFS Health Grade

83.8 / 100

Good financial health

How we grade

Independence Bank is a bank headquartered in Havre, Montana, established in 1973. With $1.3B in total assets and 10 branch locations, it has a TFS Financial Health Grade of B (83.8/100).

Capital & Safety

Tier 1 Capital Ratio

12.99%(8%)

Total Capital Ratio

16.67%(10%)

Non-Performing Loan Ratio

0.38%

Profitability

Return on Assets (ROA)

1.57%(1%)

Return on Equity (ROE)

13.80%(10%)

Net Interest Margin

4.24%

Efficiency Ratio

44.54%(60%)

Lending & Liquidity

Total Loans

$1.0B

Loan-to-Deposit Ratio

87.60%

Net Charge-Off Ratio

-0.03%

Growth

Asset Growth (YoY)

+8.50%

Deposit Growth (YoY)

+7.28%

Net Income

$20.5M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

Branch	Address	City	State	Type
Independence BankHQ	435 3rd St	Havre	MT	11
Independence Bank	23 5th Ave Se	Conrad	MT	11
Independence Bank	101 8th Street North	Glasgow	MT	11
Independence Bank	901 River Dr N	Great Falls	MT	11
Independence Bank	135 South Second Street	Malta	MT	11
Independence Bank	112 N. Main Street	Plentywood	MT	11
Independence Bank	214 2nd Ave W	Poplar	MT	11
Independence Bank	202 Main St	Scobey	MT	11
Independence Bank	131 Main St	Shelby	MT	11
Independence Bank	300 Us Highway 2	Wolf Point	MT	11

Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.