Overview / Commentary
Independence State Bank is headquartered in Independence and is the 187th largest bank in the state of Wisconsin. It is also the 4,683rd largest bank in the nation. It was established in 1897 and as of September of 2018, it had grown to 18 employees at 3 locations. Independence State Bank has a C+ health rating.
Health
C+
Data as of Q3 2018
Learn why bank health mattersAdditional Factors: Institutions with a small asset base, a short operating history, or negative return on equity can represent an instability risk beyond what their financial ratios indicate. Independence State Bank has a relatively low asset base.
Health Grade Components
| Overall | |
|---|---|
| FDIC Certificate # | 10741 |
| Year Established | 1897 |
| Employees | 18 |
| Primary Regulator | FDIC |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 0.28% |
| Return on Equity - YTD | 3.13% |
| Annual Interest Income | $2.0MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q3 2018vs Q3 2017 | $66.6MM$65.3MM |
| Loans | Q3 2018vs Q3 2017 | $49.1MM$49.4MM |
| Deposits | Q3 2018vs Q3 2017 | $54.8MM$54.5MM |
| Equity Capital | Q3 2018vs Q3 2017 | $5.9MM$6.7MM |
| Loan Loss Allowance | Q3 2018vs Q3 2017 | $698.00K$721.00K |
| Unbacked Noncurrent Loans | Q3 2018vs Q3 2017 | $1.9MM$2.7MM |
| Real Estate Owned | Q3 2018vs Q3 2017 | $0$0 |
Rates
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Independence State Bank Savings Account Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 3.25% | - | - | Christmas Club (limited time offer) |
Locations
| Independence State Bank Locations | ||
|---|---|---|
| Independence State Bank | 23942 Senty Drive | Independence, WI 54747 |
| Chippewa Falls Branch | 2495 Commercial Boulevard | Chippewa Falls, WI 54729 |
| Elk Mound Branch | E401 Menomonie Street | Elk Mound, WI 54739 |