Independence Bank
Independence, OH
IDRSSD: 956527
Total Assets
$181.25M
Latest filing
Total Deposits
$152.21M
Latest filing
Net Interest Margin
2.97%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
041201813INDEPENDENCE, OH
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Independence Bank
4401 Rockside Rd
Independence, OH 44131
Full Service - Brick and Mortar
Updated 01/30/2026Established 08/15/1979FDIC Certificate 16032
Branches (0)
Page 1 of 1| Name | Address | City / State | ||
|---|---|---|---|---|
| No branch data available. | ||||
| Independence Bank (Main) | 4401 Rockside Rd | Independence, OH | ||
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 | 08/15/1979 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 44131 |
| State and County Number | 39035 |
| Subchapter S Corporations | No |
| Trust Powers | Trust Powers Not Granted |
| Federal Reserve ID Number | 04 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Chicago |
| Core Based Statistical Area Name | Cleveland-Elyria, OH |
Operational Info
| Number of Employees | 19 |
| Domestic Offices | 1 |
| 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 | 08/15/1979 |
| Primary Insurance Agency | DIF |
| Website | N/A |
| Data Updated | 01/30/2026 |
| CERT | 22925 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $181.25M |
| Total Deposits | $152.21M |
| Total Liabilities | $154.14M |
| Total Equity Capital | $27.11M |
| Net Income | $151.00k |
| Net Loans and Leases | $110.17M |
| Assets Per Employee ($Millions) | $9.54M |
| Bank Premises and Fixed Assets | $68.00k |
| Cash and Balances due from Depository Institutions | $29.86M |
| Deposits Held in Domestic Offices | $152.21M |
Key Performance Ratios
| Return on Assets (ROA) | 0.33% |
| Return on Equity (ROE) | 2.23% |
| Net Interest Margin | 2.97% |
| Efficiency Ratio | 80.26% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 14.96% |
| Earning Assets to total Assets | 94.47% |
Income and Expense
| Total Interest Income | $2.35M |
| Total Noninterest Income | $25.00k |
| Total Interest Expense | $1.06M |
| Total Noninterest Expense | $1.05M |
| Net Interest Income | $1.28M |
| Pre-tax Net Operating Income | $258.00k |
| Provision for Credit Losses | $0 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $1.93M |
| Total Liabilities and Capital | $181.25M |
Securities
| Securities | $33.99M |
| Available-for-sale debt securities | $25.67M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $8.32M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Independence Bank?
$181.25M as of the latest filing.
How much are Independence Bank's total deposits?
$152.21M in total deposits.
Where is Independence Bank located?
Independence, OH.
What is the Net Interest Margin?
2.97%.
How many domestic offices does it operate?
1.
When was it established?
08/15/1979.
What is the Return on Assets (ROA)?
0.33%.
How much are total loans and leases?
$110.17M (latest filing).
What is the total interest income (latest filing)?
$2.35M.