| Metric | Independence Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.3% | +4.4% | -0.1 pts |
| Deposit growth (YoY) | +4.8% | +4.0% | +0.8 pts |
| Loan growth (YoY) | -9.1% | +5.6% | -14.7 pts |
| ROA | 0.87% | 1.24% | -0.4 pts |
| ROE | 6.0% | 11.9% | -5.9 pts |
ROA ranks in the 28th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $191.2M | $161.6M | $100.4M | $27.4M | $816K | 0.87% | 3.22% | 0.14% |
| Q1 2026 | $191.4M | $162.0M | $100.6M | $27.4M | $470K | 1.01% | 3.25% | 0.12% |
| Q4 2025 | $181.3M | $152.2M | $110.2M | $27.1M | $1.2M | 0.66% | 3.12% | 0.06% |
| Q3 2025 | $185.4M | $156.0M | $109.4M | $27.1M | $1.1M | 0.77% | 3.16% | 0.07% |
| Q2 2025 | $183.3M | $154.3M | $110.4M | $26.7M | $735K | 0.81% | 3.09% | 0.73% |
| Q1 2025 | $178.7M | $149.5M | $111.6M | $26.8M | $391K | 0.87% | 3.13% | 0.34% |
| Q4 2024 | $181.1M | $152.6M | $110.4M | $26.3M | $1.3M | 0.72% | 3.17% | 0.15% |
| Q3 2024 | $188.6M | $160.0M | $110.5M | $26.3M | $1.2M | 0.86% | 3.16% | 0.21% |
Loan mix (Q2 2026): real estate $73.8M · commercial $29.3M · consumer $222K · securities $35.6M
| Ratio | Independence Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.87% | 1.24% | 28th | |
Return on equity Annualized net income ÷ equity or net worth | 6.0% | 11.9% | 18th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.22% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 62.7% | 62.9% | 50th |
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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