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Independence Bank
Havre, MT · FDIC Certificate #20989 · Chartered 03/1
Total assets
$1.39B
Total deposits
$1.20B
Total equity
$168.67M
Net loans
$1.09B
Branches (offices)
10
Net income (YTD)
$13.21M
Rank: #793 of 4,213 U.S. banks by assets · #5 of 35 in Montana. Assets changed 4.0% and deposits 1.4% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.93% |
| Return on equity | 16.08% |
| Net interest margin (YTD) | 4.58% |
| Equity to assets | 12.14% |
| Tier 1 leverage ratio | 13.39% |
| Uninsured deposits (share of deposits) | 28.2% |
| Noncurrent loans (share of loans) | 0.46% |
| Net charge-offs (share of loans) | -0.00% |
| Loans to deposits | 91.1% |
| Real estate loans (share of loans) | 72.6% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $793.48M | 72.6% | |
| Commercial & industrial | $69.38M | 6.3% | |
| Consumer / individual | $29.54M | 2.7% | |
| Construction & development | $8.88M | 0.8% | |
| Agricultural | $213.92M | 19.6% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $1.16B | $1.05B | $8.87M | $109.34M |
| Jun 2023 | $1.18B | $1.06B | $9.07M | $118.66M |
| Jun 2024 | $1.22B | $1.08B | $8.18M | $131.58M |
| Jun 2025 | $1.34B | $1.18B | $10.15M | $143.83M |
| Jun 2026 | $1.39B | $1.20B | $13.21M | $168.67M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Montana | $1.20B | 10 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $1.20B.
Similar-sized banks
Alliance Bank ($1.39B) · Central National Bank ($1.39B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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