Independence Bank (FDIC #20989): Bank Stress & Real-Estate Credit Exposure
Independence Bank (FDIC Cert #20989): bank stress 44/100, contained, STABLE over 7 days; parent MONTANA SECURITY INC.
Independence Bank (#20989) lends in 9 counties across 1 state; Independence Bank (#20989) reaches 81 ZIP codes: Montana 9 counties, 81 ZIPs.
Independence Bank (#20989) largest markets: Cascade County, MT (18 branches, 18 ZIPs) (#20989), Valley County, MT (14 branches, 14 ZIPs) (#20989), Sheridan County, MT (11 branches, 11 ZIPs) (#20989), Roosevelt County, MT (20 branches, 10 ZIPs) (#20989), Hill County, MT (10 branches, 10 ZIPs) (#20989), Toole County, MT (10 branches, 10 ZIPs) (#20989).
Independence Bank (#20989) reports $1.39 billion in total assets; Independence Bank (#20989) equity $168.7 million (12.1% of Independence Bank (#20989) assets); Independence Bank (#20989) domestic deposits $1.20 billion; Independence Bank (#20989) net income $13.2 million; Independence Bank (#20989) return on assets 1.93%; Independence Bank (#20989) return on equity 16.08%; Independence Bank (#20989) net interest income $30.1 million; Independence Bank (#20989) call report June 30, 2026.
Independence Bank (#20989) noncurrent real-estate loans: none reported; Independence Bank (#20989) net charge-offs on real estate 0.45%; Independence Bank (#20989) residential charge-offs 0.13%.
Independence Bank (#20989) net interest margin 4.58% against an eight-quarter Independence Bank (#20989) average of 4.10% (Independence Bank (#20989) compression -0.48 points); Independence Bank (#20989) non-residential real estate 12.9% of equity; Independence Bank (#20989) rate-exposure score 40/100, Independence Bank (#20989) fixed-rate trap 40/100; Independence Bank (#20989) risk type credit driven; Independence Bank (#20989) rate regime rates elevated, Independence Bank (#20989) snapshot October 20, 2026.
Independence Bank (#20989) stress score moved from 43.8 on June 22, 2026 to 44.4 on October 20, 2026; Independence Bank (#20989) ranged 43.8 to 44.4 over 117 snapshots.
Independence Bank (#20989) alerts: 9 counties; top Independence Bank (#20989) alert scores: Conrad County, MT 17 (low); Glasgow County, MT 17 (low); Great Falls County, MT 17 (low); Havre County, MT 17 (low); Malta County, MT 17 (low).