Independence State Bank (FDIC #10741): Bank Stress & Real-Estate Credit Exposure
Independence State Bank (FDIC Cert #10741): bank stress 66/100, elevated, STABLE over 7 days; parent NORTHERN FINANCIAL CORP.
Independence State Bank (#10741) lends in 3 counties across 1 state; Independence State Bank (#10741) reaches 45 ZIP codes: Wisconsin 3 counties, 45 ZIPs.
Independence State Bank (#10741) largest markets: Dunn County, WI (22 branches, 22 ZIPs) (#10741), Chippewa County, WI (14 branches, 14 ZIPs) (#10741), Trempealeau County, WI (14 branches, 14 ZIPs) (#10741).
Independence State Bank (#10741) reports $84.2 million in total assets; Independence State Bank (#10741) equity $8.6 million (10.3% of Independence State Bank (#10741) assets); Independence State Bank (#10741) domestic deposits $72.2 million; Independence State Bank (#10741) net income $515,000; Independence State Bank (#10741) return on assets 1.20%; Independence State Bank (#10741) return on equity 12.11%; Independence State Bank (#10741) net interest income $1.9 million; Independence State Bank (#10741) call report June 30, 2026.
Independence State Bank (#10741) noncurrent real-estate loans: none reported; Independence State Bank (#10741) net charge-offs on real estate 0.00%.
Independence State Bank (#10741) net interest margin 4.69% against an eight-quarter Independence State Bank (#10741) average of 4.38% (Independence State Bank (#10741) compression -0.31 points); Independence State Bank (#10741) rate-exposure score 40/100, Independence State Bank (#10741) fixed-rate trap 40/100; Independence State Bank (#10741) risk type credit driven; Independence State Bank (#10741) rate regime rates elevated, Independence State Bank (#10741) snapshot October 20, 2026.
Independence State Bank (#10741) stress score moved from 67.5 on June 22, 2026 to 65.7 on October 20, 2026; Independence State Bank (#10741) ranged 65.7 to 67.5 over 117 snapshots.
Independence State Bank (#10741) alerts: 3 counties; top Independence State Bank (#10741) alert scores: Chippewa Falls County, WI 22 (low); Elk Mound County, WI 22 (low); Independence County, WI 22 (low).