C
Independence State Bank
Rating Date
March 2026
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 7.80
Capitalization Index 8.60
Liquidity Index 1.80
Profitability Index 5.70
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 7.37%
5-Year Asset Growth 2.00%
5-Year Charge-Offs to Average Loans -0.03%
Charge-Offs to Average Loans 0.00%
Non-Performing Assets to Assets 0.17%
Non-Performing Loans to Capital 1.33%
Non-Performing Loans to Loans 0.24%
Balance Sheet Independence State Bank
Independence, WI
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Total Assets 88.36M
Total Deposits 76.47M
Capital and Reserves Independence State Bank
Independence, WI
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Capital 8.51M
Leverage Ratio 10.04
Loan Loss Reserves to Loans 1.07%
Risk-Based Capital Ratio 13.15
Liquidity Independence State Bank
Independence, WI
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Hot Money Ratio 19.67%
Liquidity Ratio 21.48%
Profitability Independence State Bank
Independence, WI
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5-Year Return on Average Assets 0.57%
Net Income 1.01M
Net Interest Spread 4.53%
Operating Profit to Average Assets 1.46%
Overhead Efficiency Ratio 67.37%
Return on Assets 1.18%
Return on Equity 12.80%