C
Independence State Bank
Rating Date
October 2025
Risk Based
Capital Ratio
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings Independence State Bank
Independence, WI
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Rating C
Asset Quality Index 6.60
Capitalization Index 8.30
Liquidity Index 1.90
Profitability Index 5.40
Stability Index 5.00
Company Info Independence State Bank
Independence, WI
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FDIC Number 10741
Phone Number (715) 985-3197
Website www.independencestatebank.com
Asset Quality Independence State Bank
Independence, WI
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1-Year Asset Growth 1.16%
5-Year Asset Growth 3.68%
5-Year Charge-Offs to Average Loans -0.03%
Charge-Offs to Average Loans 0.00%
Non-Performing Assets to Assets 0.32%
Non-Performing Loans to Capital 4.12%
Non-Performing Loans to Loans 0.43%
Balance Sheet Independence State Bank
Independence, WI
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Total Assets 83.89M
Total Deposits 72.64M
Capital and Reserves Independence State Bank
Independence, WI
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Capital 8.15M
Leverage Ratio 9.83
Loan Loss Reserves to Loans 1.12%
Risk-Based Capital Ratio 13.00
Liquidity Independence State Bank
Independence, WI
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Hot Money Ratio 18.10%
Liquidity Ratio 23.11%
Profitability Independence State Bank
Independence, WI
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5-Year Return on Average Assets 0.57%
Net Income 713.00K
Net Interest Spread 4.49%
Operating Profit to Average Assets 1.41%
Overhead Efficiency Ratio 68.42%
Return on Assets 1.13%
Return on Equity 12.35%