Independence Bank
Havre, MT
IDRSSD: 606653
Total Assets
$1.33B
Latest filing
Total Deposits
$1.16B
Latest filing
Net Interest Margin
4.33%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Independence Bank
435 3rd St
Havre, MT 59501
Full Service - Brick and Mortar
Updated 11/14/2025Established 03/12/1973FDIC Certificate 14494
Branches (9)
Page 1 of 2| Name | Address | City / State |
|---|---|---|
| Independence Bank (Main) | 435 3rd St | Havre, MT |
| GLASGOW BRANCH | 101 8th Street North | Glasgow, MT |
| MALTA BRANCH | 135 South Second Street | Malta, MT |
| CONRAD BRANCH | 23 5th Ave Se | Conrad, MT |
| SHELBY BRANCH | 131 Main St | Shelby, MT |
| INDEPENDENCE BANK - GREAT FALLS BRANCH | 901 River Dr N | Great Falls, MT |
| WOLF POINT BRANCH | 300 Us Highway 2 | Wolf Point, MT |
| INDEPENDENCE BANK - PLENTYWOOD BRANCH | 112 N. Main Street | Plentywood, MT |
Showing 7 of 9
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 03/12/1973 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 59501 |
| State and County Number | 30041 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 09 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | San Francisco |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 154 |
| Domestic Offices | 10 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 03/12/1973 |
| Primary Insurance Agency | DIF |
| Website | www.ibyourbank.com |
| Data Updated | 11/14/2025 |
| CERT | 20989 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $1.33B |
| Total Deposits | $1.16B |
| Total Liabilities | $1.17B |
| Total Equity Capital | $155.33M |
| Net Income | $5.34M |
| Net Loans and Leases | $1.04B |
| Assets Per Employee ($Millions) | $9.16M |
| Bank Premises and Fixed Assets | $16.50M |
| Cash and Balances due from Depository Institutions | $11.25M |
| Deposits Held in Domestic Offices | $1.16B |
Key Performance Ratios
| Return on Assets (ROA) | 1.6% |
| Return on Equity (ROE) | 14.29% |
| Net Interest Margin | 4.33% |
| Efficiency Ratio | 41.58% |
| Tier 1 Risk-Based Capital Ratio | 14.655% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.1% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 11.692% |
| Earning Assets to total Assets | 95.7% |
Income and Expense
| Total Interest Income | $20.23M |
| Total Noninterest Income | $724.00k |
| Total Interest Expense | $6.42M |
| Total Noninterest Expense | $6.04M |
| Net Interest Income | $13.81M |
| Pre-tax Net Operating Income | $8.15M |
| Provision for Credit Losses | $337.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $138.00k |
| Other borrowed funds | $11.46M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $637.00k |
| All Other Liabilities | $4.54M |
| Total Liabilities and Capital | $1.33B |
Securities
| Securities | $227.15M |
| Available-for-sale debt securities | $227.15M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Independence Bank?
$1.33B as of the latest filing.
How much are Independence Bank's total deposits?
$1.16B in total deposits.
Where is Independence Bank located?
Havre, MT.
What is the Net Interest Margin?
4.33%.
How many domestic offices does it operate?
10.
When was it established?
03/12/1973.
What is the Return on Assets (ROA)?
1.6%.
How much are total loans and leases?
$1.04B (latest filing).
What is the total interest income (latest filing)?
$20.23M.