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Independence Bank
Independence, OH · FDIC Certificate #22925 · Chartered 08/1
Total assets
$191.24M
Total deposits
$161.60M
Total equity
$27.37M
Net loans
$100.36M
Branches (offices)
1
Net income (YTD)
$816.00K
Rank: #3,036 of 4,213 U.S. banks by assets · #101 of 155 in Ohio. Assets changed 4.3% and deposits 4.8% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.87% |
| Return on equity | 5.98% |
| Net interest margin (YTD) | 3.22% |
| Equity to assets | 14.31% |
| Tier 1 leverage ratio | 14.46% |
| Uninsured deposits (share of deposits) | 50.5% |
| Noncurrent loans (share of loans) | 0.26% |
| Net charge-offs (share of loans) | 0.49% |
| Loans to deposits | 62.1% |
| Real estate loans (share of loans) | 73.6% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $73.82M | 73.6% | |
| Commercial & industrial | $29.27M | 29.2% | |
| Consumer / individual | $222.00K | 0.2% | |
| Construction & development | $3.44M | 3.4% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $194.98M | $170.60M | $672.00K | $24.03M |
| Jun 2023 | $188.84M | $163.38M | $872.00K | $25.02M |
| Jun 2024 | $182.67M | $154.65M | $750.00K | $25.64M |
| Jun 2025 | $183.34M | $154.26M | $735.00K | $26.66M |
| Jun 2026 | $191.24M | $161.60M | $816.00K | $27.37M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Ohio | $161.60M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $161.60M.
Similar-sized banks
Cbl State Savings Bank ($191.28M) · Bristol Morgan Bank ($191.21M)
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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