Is Independence Bank Safe?
Independence Bank has a Bank Health Score of 90/100 (A), based on FDIC call report data. Its strongest factor is Tier 1 capital (98/100), while liquidity is its weakest area (70/100).
Key Data
| Metric | Value | Score |
|---|---|---|
| Tier 1 Capital Ratio | 14.68% | 98/100 |
| Nonperforming Loan Ratio | 0.12% | 98/100 |
| Liquidity Ratio | 22.49% | 70/100 |
| Return on Assets | 1.81% | 92/100 |
| Total Assets | $1.2B | |
How does Independence Bank compare?
With a Bank Health Score of 90/100, Independence Bank sits 20.0 points above the national average of 70/100 for FDIC-insured banks. Within Montana, where 33 FDIC-insured banks are headquartered, Independence Bank ranks above the state average of 69/100 (Grade B).
The bank's Tier 1 capital ratio of 14.68% is the federal regulator's headline measure of bank capital strength — it sits comfortably above the 8% "well-capitalized" threshold.Its nonperforming loan ratio of 0.12% is healthy — most loans are current.
What changed in the last year?
Over the last four quarters, Independence Bank's Bank Health Score held roughly steady at 90/100. Tier 1 capital weakened by 0.22 percentage points to 14.68%. Quarter-over-quarter, the score fell by 5.0 points.
Independence Bank has a Bank Health Score of 90/100 (A), based on FDIC call report data. Its strongest factor is Tier 1 capital (98/100), while liquidity is its weakest area (70/100).