| Metric | Independence Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.0% | +5.5% | -1.5 pts |
| Deposit growth (YoY) | +1.4% | +5.1% | -3.6 pts |
| Loan growth (YoY) | +11.4% | +5.9% | +5.5 pts |
| ROA | 1.93% | 1.26% | +0.7 pts |
| ROE | 16.1% | 12.2% | +3.9 pts |
ROA ranks in the 86th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.39B | $1.20B | $1.09B | $168.7M | $13.2M | 1.93% | 4.58% | 0.37% |
| Q1 2026 | $1.37B | $1.19B | $1.04B | $162.9M | $6.6M | 1.94% | 4.49% | 0.55% |
| Q4 2025 | $1.34B | $1.17B | $1.02B | $161.3M | $20.5M | 1.57% | 4.24% | 0.31% |
| Q3 2025 | $1.33B | $1.16B | $1.04B | $155.3M | $15.5M | 1.59% | 4.15% | 0.31% |
| Q2 2025 | $1.34B | $1.18B | $981.2M | $143.8M | $10.1M | 1.58% | 4.04% | 0.10% |
| Q1 2025 | $1.28B | $1.13B | $933.9M | $142.8M | $5.0M | 1.57% | 3.92% | 0.16% |
| Q4 2024 | $1.24B | $1.09B | $905.7M | $140.3M | $17.5M | 1.43% | 3.71% | 0.10% |
| Q3 2024 | $1.26B | $1.09B | $923.7M | $142.4M | $12.8M | 1.41% | 3.65% | 0.09% |
Loan mix (Q2 2026): real estate $793.5M · commercial $69.4M · consumer $29.5M · securities $228.7M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Independence Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.93% | 1.26% | 86th | |
Return on equity Annualized net income ÷ equity or net worth | 16.1% | 12.2% | 79th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.58% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 41.7% | 59.0% | 9th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Independence Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Independence Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Independence Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Independence Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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