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Independence State Bank
Independence, WI · FDIC Certificate #10741 · Chartered 01/0
Total assets
$84.21M
Total deposits
$72.25M
Total equity
$8.63M
Net loans
$64.83M
Branches (offices)
3
Net income (YTD)
$515.00K
Rank: #3,801 of 4,213 U.S. banks by assets · #145 of 153 in Wisconsin. Assets changed 1.9% and deposits 0.8% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.20% |
| Return on equity | 12.11% |
| Net interest margin (YTD) | 4.69% |
| Equity to assets | 10.25% |
| Tier 1 leverage ratio | 10.38% |
| Uninsured deposits (share of deposits) | 14.9% |
| Noncurrent loans (share of loans) | 0.00% |
| Net charge-offs (share of loans) | -0.00% |
| Loans to deposits | 89.7% |
| Real estate loans (share of loans) | 65.2% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $42.25M | 65.2% | |
| Commercial & industrial | $7.60M | 11.7% | |
| Consumer / individual | $652.00K | 1.0% | |
| Construction & development | $1.91M | 2.9% | |
| Agricultural | $12.58M | 19.4% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $81.31M | $71.66M | $117.00K | $6.44M |
| Jun 2023 | $76.72M | $62.85M | $198.00K | $6.47M |
| Jun 2024 | $78.20M | $63.89M | $257.00K | $6.92M |
| Jun 2025 | $82.67M | $71.69M | $449.00K | $7.79M |
| Jun 2026 | $84.21M | $72.25M | $515.00K | $8.63M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Wisconsin | $72.25M | 3 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $72.25M.
Similar-sized banks
The First State Bank ($84.26M) · Mayville Savings Bank ($84.18M)
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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