What is Independence State Bank's financial health grade?

Independence State Bank has a TFS Financial Health Grade of B+ (score: 83.0/100). This grade is based on capital adequacy, asset quality, earnings, and consumer protection metrics.

How many branches does Independence State Bank have?

Independence State Bank has 3 branch locations across the United States.

Is Independence State Bank FDIC insured?

Yes, Independence State Bank is FDIC insured (Certificate #10741).

What are the total assets of Independence State Bank?

Independence State Bank has total assets of $88.4M as reported in its most recent FDIC filing.

Independence State Bank: Safety Grade & Financial Health

BankIndependence, Wisconsin

www.independencestatebank.com

Total Assets

$88.4M

Total Deposits

$76.5M

Branches

Established

1897

Independence State Bank is a bank headquartered in Independence, Wisconsin, established in 1897. It holds $88.4M in total assets across 3 branch locations. In our editorial opinion, based on public FDIC/NCUA data, Independence State Bank earns a TFS Financial Health Grade of B+ (83.0/100) — our editorial assessment, not an official rating or financial advice.

TFS Health Grade

B+

83.0 / 100

Good financial health

How we grade

TFS Health Grades are our editorial opinion based on public FDIC/NCUA data — not an official rating, not financial advice.

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Capital & Safety

Tier 1 Capital Ratio

10.04%(8%)

Total Capital Ratio

13.15%(10%)

Non-Performing Loan Ratio

0.07%

Profitability

Return on Assets (ROA)

1.19%(1%)

Return on Equity (ROE)

12.76%(10%)

Net Interest Margin

4.57%

Efficiency Ratio

67.37%(60%)

Lending & Liquidity

Total Loans

$64.7M

Loan-to-Deposit Ratio

83.65%

Net Charge-Off Ratio

Other banks in Wisconsin

Associated Bank, National Association

Bank

Green Bay, WI

$45.1B

Nicolet National Bank

Bank

Green Bay, WI

$9.2B

B+

SUMMIT

Madison, WI

$8.1B

LANDMARK

Growth

Asset Growth (YoY)

+7.37%

Deposit Growth (YoY)

+6.79%

Net Income

$1.0M

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.

No CFPB complaints found for this institution.

Data sourced from CFPB Consumer Complaint Database. 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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Branch	Address	City	State	Type
Independence State BankHQ	23942 Senty Dr	Independence	WI	11
Independence State Bank	2495 Commercial Blvd	Chippewa Falls	WI	11
Independence State Bank	401 E Menomonie St	Elk Mound	WI	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.

Institution Details

Institution TypeBank

FDIC Certificate #10741

Primary RegulatorFDIC

FDIC/NCUA InsuredYes

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

TFS Financial Health Grades represent our editorial assessment based on publicly available data and our proprietary methodology. They do not represent financial advice or an official government rating. Data on this page is sourced from federal government databases and is believed to be accurate.