Independent Bank

BankMemphis, Tennessee
www.i-bankonline.com

Total Assets

$1.8B

Total Deposits

$1.5B

Branches

12

Established

1998

TFS Health Grade

$
C

73.4 / 100

Average financial health

How we grade

Independent Bank is a bank headquartered in Memphis, Tennessee, established in 1998. With $1.8B in total assets and 12 branch locations, it has a TFS Financial Health Grade of C (73.4/100).

Capital & Safety

Tier 1 Capital Ratio
10.44%(8%)
Total Capital Ratio
11.27%(10%)
Non-Performing Loan Ratio
0.25%

Profitability

Return on Assets (ROA)
1.23%(1%)
Return on Equity (ROE)
11.38%(10%)
Net Interest Margin
4.52%
Efficiency Ratio
60.92%(60%)

Lending & Liquidity

Total Loans
$1.3B
Loan-to-Deposit Ratio
87.99%
Net Charge-Off Ratio
0.58%

Growth

Asset Growth (YoY)
+7.22%
Deposit Growth (YoY)
+11.06%
Net Income
$20.8M

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.

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