Independence Bank

Overview / Commentary
435 Third Street
Havre, MT 59501

Independence Bank is headquartered in Havre and is the 5th largest bank in the state of Montana. It is also the 852nd largest bank in the nation. It was established in 1973 and as of December of 2021, it had grown to 119 employees at 6 locations. Independence Bank has an A+ health rating.


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Health Grade Components

FDIC Certificate #20989
Year Established1973
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD1.56%
Return on Equity - YTD13.89%
Annual Interest Income$43.2MM
Assets and Liabilities
AssetsQ4 2021vs Q4 2020$1.22B$961.3MM
LoansQ4 2021vs Q4 2020$740.3MM$686.7MM
DepositsQ4 2021vs Q4 2020$1.08B$833.6MM
Equity CapitalQ4 2021vs Q4 2020$129.0MM$118.8MM
Loan Loss AllowanceQ4 2021vs Q4 2020$11.5MM$10.5MM
Unbacked Noncurrent LoansQ4 2021vs Q4 2020$1,000$2.0MM
Real Estate OwnedQ4 2021vs Q4 2020$0$525.00K

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Independence Bank Locations
Glasgow Branch101 8th Street NorthGlasgow, MT 59230
Malta Branch135 South Second StreetMalta, MT 59538
202 Main Street Branch202 Main StreetScobey, MT 59263
214 Second Avenue Branch214 Second Avenue WPoplar, MT 59255
Independence Bank435 Third StreetHavre, MT 59501
Conrad Branch23 5th Ave SeConrad, MT 59425

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