Bank of Bridger, National Association vs Independence Bank
This comparison uses public regulatory filings and TFS methodology. It evaluates financial condition—not checking rates, account fees, service quality, or which institution is universally “best.”
Bank
Bank of Bridger, National Association
Bridger, MT
Health score
73.3
Total assets
$802.7M
Bank
Independence Bank
Havre, MT
Health score
93.9
Total assets
$1.4B
Answer first
Different strengths, no blanket winner
Independence Bank leads on financial health and capitalization and profitability and lending quality and growth. Those category leads describe current regulatory metrics only and do not establish a universal product or service winner.
Capital and asset-quality definitions are directly comparable for this pair.
Category leaders
Where each institution leads
Financial health
Independence Bank
Higher TFS health score
Capitalization
Independence Bank
Higher comparable capital ratio
Profitability
Independence Bank
Higher return on assets
Lending quality
Independence Bank
Lower problem-loan measure
Growth
Independence Bank
Higher year-over-year asset growth
Same-source detail
Financial metrics
Winner markers appear only where the metric definitions are comparable and both values are available.
| Metric | Bank of Bridger, National Association | Independence Bank |
|---|---|---|
| TFS health score | 73.3/100 | 93.9/100Leads |
| Total assets | $802.7M | $1.4B |
| Total deposits / shares | $729.8M | $1.2B |
| Tier 1 capital ratio | 10.08% | 13.39%Leads |
| Return on assets | 0.92% | 1.93%Leads |
| Return on equity | 10.76% | 16.08%Leads |
| Non-performing loans | 0.47% | 0.46%Leads |
| Net charge-offs | -0.00%Leads | -0.00% |
| Efficiency ratio | 61.03% | 41.70%Leads |
| Loan-to-deposit ratio | 52.56% | 91.14% |
| Asset growth (YoY) | -0.37% | 3.97%Leads |
| Deposit / share growth (YoY) | -1.41% | 1.43%Leads |
| Branches | 12 | 10 |
| Published CFPB complaints per $1B deposits (12 months)verified mappings only | — | — |
Branch and market overlap
Bank of Bridger, National Association
12 branches
Independence Bank
10 branches
Both institutions report branches in 1 state: MT.
CFPB complaint coverage
Bank of Bridger, National Association
Unavailable
Independence Bank
Unavailable
Counts use an explicitly reviewed CFPB-company-to-regulatory-ID mapping and the same complete 12-month window. Parent-company attribution can include complaints involving affiliates. Lower complaint volume is context—not proof of better service or less consumer harm.
Regulatory-action context
Bank of Bridger, National Association
0 in TFS registry
Independence Bank
0 in TFS registry
Institution-level actions come from TFS's exact regulatory-ID registry and are shown as factual context only. They do not affect category winners or the TFS Financial Health Grade. A zero means no action is currently published in this curated registry—not proof that none exists.
Quarterly history
Health and profitability trend
| Quarter | Bank of Bridger, National Association score | Bank of Bridger, National Association ROA | Independence Bank score | Independence Bank ROA |
|---|---|---|---|---|
| 2024-Q3 | — | 0.58% | — | 1.41% |
| 2024-Q4 | — | 0.59% | — | 1.43% |
| 2025-Q1 | — | 0.65% | — | 1.57% |
| 2025-Q2 | — | 0.66% | — | 1.58% |
| 2025-Q3 | — | 0.71% | — | 1.59% |
| 2025-Q4 | — | 0.72% | — | 1.57% |
| 2026-Q1 | 70.7/100 | 0.90% | 94.4/100 | 1.94% |
| 2026-Q2 | 73.3/100 | 0.92% | 93.9/100 | 1.93% |
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Coverage boundaries
What this does not conclude
- • No product-rate, fee, or customer-service winner without product data.
- • Complaint comparisons appear only when both institutions have reviewed mappings and the same complete source window.
- • Regulatory actions are displayed separately and are not included in category scoring.
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Financial data comes from FDIC BankFind Suite or NCUA Call Reports as labeled. TFS Health Grades are an editorial assessment, not an official government rating or financial advice. Every valid pair is viewable; pairs enter search automatically only when current data, comparability, and visitor interest meet the publication rules.