What is Independence Bank's financial health grade?

Independence Bank has a TFS Financial Health Grade of D+ (score: 68.1/100). This grade is based on capital adequacy, asset quality, earnings, and consumer protection metrics.

How many branches does Independence Bank have?

Independence Bank has 1 branch location across the United States.

Is Independence Bank FDIC insured?

Yes, Independence Bank is FDIC insured (Certificate #22925).

What are the total assets of Independence Bank?

Independence Bank has total assets of $181.3M as reported in its most recent FDIC filing.

Independence Bank

BankIndependence, Ohio

Total Assets

$181.3M

Total Deposits

$152.2M

Branches

Established

1979

TFS Health Grade

D+

68.1 / 100

Below average financial health

How we grade

Independence Bank is a bank headquartered in Independence, Ohio, established in 1979. With $181.3M in total assets and 1 branch locations, it has a TFS Financial Health Grade of D+ (68.1/100).

Capital & Safety

Tier 1 Capital Ratio

15.16%(8%)

Total Capital Ratio

0.00%(10%)

Non-Performing Loan Ratio

0.10%

Profitability

Return on Assets (ROA)

0.66%(1%)

Return on Equity (ROE)

4.51%(10%)

Net Interest Margin

3.12%

Efficiency Ratio

68.40%(60%)

Lending & Liquidity

Total Loans

$114.1M

Loan-to-Deposit Ratio

72.38%

Net Charge-Off Ratio

0.00%

Growth

Asset Growth (YoY)

+0.09%

Deposit Growth (YoY)

-0.27%

Net Income

$1.2M

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	4401 Rockside Rd	Independence	OH	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.