BlastPoint's Banking Scorecard
Independence Bank
Community
Specialty: Agricultural
MT
FDIC cert 20989
Havre, MT
1484
banks in Community tier nationally
8 in MT
View Community leaderboard (MT) →
Independence Bank shows strong momentum with 1 strength and 8.5% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 18.09% below tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.3B
+8.5% YoY
+1.2% QoQ
|
-$46.9M |
$1.4B
+2.0% YoY
|
$2.3B
+6.6% YoY
|
$5.9B
+6.5% YoY
|
64% |
| Total Loans ? |
$1.0B
+12.7% YoY
-1.6% QoQ
|
+$45.6M |
$975.5M
+2.4% YoY
|
$1.4B
+6.9% YoY
|
$3.1B
+8.5% YoY
|
69% |
| Total Deposits ? |
$1.2B
+7.3% YoY
+0.8% QoQ
|
+$1.0M |
$1.2B
+1.7% YoY
|
$1.8B
+10.2% YoY
|
$4.7B
+6.3% YoY
|
66% |
| Return on Assets ? |
1.57%
+9.6% YoY
-1.4% QoQ
|
+0.41% |
1.16%
+17.2% YoY
|
1.41%
+20.5% YoY
|
1.12%
+15.6% YoY
|
77% |
| Net Interest Margin ? |
4.24%
+14.2% YoY
+2.1% QoQ
|
+0.58% |
3.66%
+9.1% YoY
|
4.09%
+7.2% YoY
|
3.75%
+7.1% YoY
|
79% |
| Efficiency Ratio ? |
44.54%
-9.1% YoY
+1.5% QoQ
|
-18.09% |
62.63%
-5.3% YoY
|
60.30%
-5.3% YoY
|
65.09%
-5.1% YoY
|
Top 8% in tier |
| Delinquency Rate ? |
0.39%
+191.3% YoY
+1.4% QoQ
|
-0.24% |
0.63%
+18.3% YoY
|
0.74%
+59.7% YoY
|
0.66%
+20.3% YoY
|
55% |
| Loan-to-Deposit Ratio ? |
87.60%
+5.1% YoY
-2.4% QoQ
|
+4.54% |
83.06%
+0.3% YoY
|
70.96%
-2.3% YoY
|
78.04%
+0.7% YoY
|
42% |
| Non-Interest-Bearing Deposit Share ? |
20.13%
-1.9% YoY
+4.1% QoQ
|
-0.91% |
21.05%
-0.9% YoY
|
26.17%
-4.3% YoY
|
21.79%
-1.3% YoY
|
51% |
| Nonperforming Asset Ratio ? |
0.31%
+193.1% YoY
-1.5% QoQ
|
-0.19% |
0.50%
+20.3% YoY
|
0.55%
+73.8% YoY
|
0.48%
+20.8% YoY
|
54% |
| Tier 1 Capital Ratio ? |
15.42%
-3.1% YoY
+5.2% QoQ
|
+5.18% |
10.24%
-0.6% YoY
|
9.31%
+9.3% YoY
|
9.75%
-1.9% YoY
|
79% |
| Non-Interest Income / Assets ? |
0.24%
-1.8% YoY
+31.3% QoQ
|
-0.50% |
0.74%
-1.3% YoY
|
0.39%
-27.3% YoY
|
0.65%
+0.6% YoY
|
15% |
Signature Analysis
Strengths (1)
Efficiency Ratio
metric
Top 8%
in Community
Why this stands out
Current:
44.54%
(Tier avg: 62.63%, National avg: 65.09%)
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
92
92th pctile
Efficiency Ratio
Current: 44.54% · Tier avg: 62.63%
79
79th pctile
Net Interest Margin
Current: 4.24% · Tier avg: 3.66%
79
79th pctile
Tier 1 Capital Ratio
Current: 15.42% · Tier avg: 10.24%
77
77th pctile
Return on Assets
Current: 1.57% · Tier avg: 1.16%
69
69th pctile
Total Loans
Current: $1.0B · Tier avg: $975.5M
66
66th pctile
Total Deposits
Current: $1.2B · Tier avg: $1.2B
64
64th pctile
Total Assets
Current: $1.3B · Tier avg: $1.4B
55
55th pctile
Delinquency Rate
Current: 0.39% · Tier avg: 0.63%
54
54th pctile
Nonperforming Asset Ratio
Current: 0.31% · Tier avg: 0.50%
51
51th pctile
Non-Interest-Bearing Deposit Share
Current: 20.13% · Tier avg: 21.05%
42
42th pctile
Loan-to-Deposit Ratio
Current: 87.60% · Tier avg: 83.06%
15
15th pctile
Non-Interest Income / Assets
Current: 0.24% · Tier avg: 0.74%
Top Weaknesses
15
15th pctile
Non-Interest Income / Assets
Current: 0.24% · Tier avg: 0.74%
42
42th pctile
Loan-to-Deposit Ratio
Current: 87.60% · Tier avg: 83.06%
51
51th pctile
Non-Interest-Bearing Deposit Share
Current: 20.13% · Tier avg: 21.05%
54
54th pctile
Nonperforming Asset Ratio
Current: 0.31% · Tier avg: 0.50%
55
55th pctile
Delinquency Rate
Current: 0.39% · Tier avg: 0.63%
64
64th pctile
Total Assets
Current: $1.3B · Tier avg: $1.4B
66
66th pctile
Total Deposits
Current: $1.2B · Tier avg: $1.2B
69
69th pctile
Total Loans
Current: $1.0B · Tier avg: $975.5M
77
77th pctile
Return on Assets
Current: 1.57% · Tier avg: 1.16%
79
79th pctile
Tier 1 Capital Ratio
Current: 15.42% · Tier avg: 10.24%
79
79th pctile
Net Interest Margin
Current: 4.24% · Tier avg: 3.66%
92
92th pctile
Efficiency Ratio
Current: 44.54% · Tier avg: 62.63%