BlastPoint's Banking Scorecard
Independence Bank
Micro
Specialty: Commercial
OH
FDIC cert 22925
Designations: ✓ Community bank
Independence, OH
2498
banks in Micro tier nationally
102 in OH
View Micro leaderboard (OH) →
Independence Bank faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Non-Interest Income / Assets 0.51% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$181.3M
+0.1% YoY
-2.2% QoQ
|
-$36.2M |
$217.5M
+2.3% YoY
|
$33.1B
+6.9% YoY
|
$5.9B
+6.5% YoY
|
46% |
| Total Loans ? |
$110.2M
-0.2% YoY
+0.7% QoQ
|
-$29.0M |
$139.2M
+2.8% YoY
|
$14.9B
+8.3% YoY
|
$3.1B
+8.5% YoY
|
47% |
| Total Deposits ? |
$152.2M
-0.3% YoY
-2.4% QoQ
|
-$31.4M |
$183.7M
+1.8% YoY
|
$24.6B
+5.7% YoY
|
$4.7B
+6.3% YoY
|
46% |
| Return on Assets ? |
0.66%
-8.0% YoY
-14.2% QoQ
|
-0.42% |
1.08%
+14.7% YoY
|
0.85%
+32.0% YoY
|
1.12%
+15.6% YoY
|
26% |
| Net Interest Margin ? |
3.12%
-1.6% YoY
-1.3% QoQ
|
-0.74% |
3.85%
+6.6% YoY
|
3.56%
+10.4% YoY
|
3.75%
+7.1% YoY
|
19% |
| Efficiency Ratio ? |
68.40%
+1.2% YoY
+5.8% QoQ
|
+0.67% |
67.73%
-4.8% YoY
|
71.79%
-6.6% YoY
|
65.09%
-5.1% YoY
|
44% |
| Delinquency Rate ? |
0.10%
-58.2% YoY
-15.6% QoQ
|
-0.54% |
0.64%
+24.4% YoY
|
0.53%
+11.7% YoY
|
0.66%
+20.3% YoY
|
70% |
| Loan-to-Deposit Ratio ? |
72.38%
+0.0% YoY
+3.2% QoQ
|
-2.15% |
74.53%
+0.5% YoY
|
81.05%
+0.1% YoY
|
78.04%
+0.7% YoY
|
57% |
| Non-Interest-Bearing Deposit Share ? |
20.09%
-19.8% YoY
-5.0% QoQ
|
-2.30% |
22.39%
-1.3% YoY
|
17.48%
-2.0% YoY
|
21.79%
-1.3% YoY
|
42% |
| Nonperforming Asset Ratio ? |
0.06%
-58.3% YoY
-13.1% QoQ
|
-0.39% |
0.45%
+25.1% YoY
|
0.34%
+9.4% YoY
|
0.48%
+20.8% YoY
|
72% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
9.14%
+0.8% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.05%
-41.0% YoY
+38.8% QoQ
|
-0.51% |
0.56%
+0.3% YoY
|
0.55%
+0.1% YoY
|
0.65%
+0.6% YoY
|
Bottom 3% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Non-Interest Income / Assets
metric
Bottom 3%
in Micro
Why this stands out
Current:
0.05%
(Tier avg: 0.56%, National avg: 0.65%)
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
72
72th pctile
Nonperforming Asset Ratio
Current: 0.06% · Tier avg: 0.45%
70
70th pctile
Delinquency Rate
Current: 0.10% · Tier avg: 0.64%
57
57th pctile
Loan-to-Deposit Ratio
Current: 72.38% · Tier avg: 74.53%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
47
47th pctile
Total Loans
Current: $110.2M · Tier avg: $139.2M
46
46th pctile
Total Assets
Current: $181.3M · Tier avg: $217.5M
46
46th pctile
Total Deposits
Current: $152.2M · Tier avg: $183.7M
44
44th pctile
Efficiency Ratio
Current: 68.40% · Tier avg: 67.73%
42
42th pctile
Non-Interest-Bearing Deposit Share
Current: 20.09% · Tier avg: 22.39%
26
26th pctile
Return on Assets
Current: 0.66% · Tier avg: 1.08%
19
19th pctile
Net Interest Margin
Current: 3.12% · Tier avg: 3.85%
3
3th pctile
Non-Interest Income / Assets
Current: 0.05% · Tier avg: 0.56%
Top Weaknesses
3
3th pctile
Non-Interest Income / Assets
Current: 0.05% · Tier avg: 0.56%
19
19th pctile
Net Interest Margin
Current: 3.12% · Tier avg: 3.85%
26
26th pctile
Return on Assets
Current: 0.66% · Tier avg: 1.08%
42
42th pctile
Non-Interest-Bearing Deposit Share
Current: 20.09% · Tier avg: 22.39%
44
44th pctile
Efficiency Ratio
Current: 68.40% · Tier avg: 67.73%
46
46th pctile
Total Deposits
Current: $152.2M · Tier avg: $183.7M
46
46th pctile
Total Assets
Current: $181.3M · Tier avg: $217.5M
47
47th pctile
Total Loans
Current: $110.2M · Tier avg: $139.2M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
57
57th pctile
Loan-to-Deposit Ratio
Current: 72.38% · Tier avg: 74.53%
70
70th pctile
Delinquency Rate
Current: 0.10% · Tier avg: 0.64%
72
72th pctile
Nonperforming Asset Ratio
Current: 0.06% · Tier avg: 0.45%