Independence State Bank
Independence, WI
IDRSSD: 396057
Total Assets
$85.88M
Latest filing
Total Deposits
$73.56M
Latest filing
Net Interest Margin
4.65%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
091805683INDEPENDENCE, WI
Key People
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Locations
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Main Office
Independence State Bank
23942 Senty Dr
Independence, WI 54747
Full Service - Brick and Mortar
Updated 04/10/2026Established 01/01/1897FDIC Certificate 6892
Branches (2)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Independence State Bank (Main) | 23942 Senty Dr | Independence, WI |
| ELK MOUND BRANCH | 401 E Menomonie St | Elk Mound, WI |
| CHIPPEWA FALLS BRANCH | 2495 Commercial Blvd | Chippewa Falls, WI |
Showing 2 of 2
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 | 01/01/1897 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 54747 |
| State and County Number | 55121 |
| 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 | Chicago |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 16 |
| Domestic Offices | 3 |
| 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 | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.independencestatebank.com |
| Data Updated | 04/10/2026 |
| CERT | 10741 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $85.88M |
| Total Deposits | $73.56M |
| Total Liabilities | $77.50M |
| Total Equity Capital | $8.39M |
| Net Income | $243.00k |
| Net Loans and Leases | $66.14M |
| Assets Per Employee ($Millions) | $5.37M |
| Bank Premises and Fixed Assets | $1.48M |
| Cash and Balances due from Depository Institutions | $3.00M |
| Deposits Held in Domestic Offices | $73.56M |
Key Performance Ratios
| Return on Assets (ROA) | 1.12% |
| Return on Equity (ROE) | 11.51% |
| Net Interest Margin | 4.65% |
| Efficiency Ratio | 70.06% |
| Tier 1 Risk-Based Capital Ratio | 12.196% |
| 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 | 9.764% |
| Earning Assets to total Assets | 95.54% |
Income and Expense
| Total Interest Income | $1.26M |
| Total Noninterest Income | $43.00k |
| Total Interest Expense | $293.00k |
| Total Noninterest Expense | $709.00k |
| Net Interest Income | $969.00k |
| Pre-tax Net Operating Income | $303.00k |
| 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 | $3.56M |
| All Other Liabilities | $375.00k |
| Total Liabilities and Capital | $85.88M |
Securities
| Securities | $13.67M |
| Available-for-sale debt securities | $13.53M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $120.00k |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Independence State Bank?
$85.88M as of the latest filing.
How much are Independence State Bank's total deposits?
$73.56M in total deposits.
Where is Independence State Bank located?
Independence, WI.
What is the Net Interest Margin?
4.65%.
How many domestic offices does it operate?
3.
When was it established?
01/01/1897.
What is the Return on Assets (ROA)?
1.12%.
How much are total loans and leases?
$66.14M (latest filing).
What is the total interest income (latest filing)?
$1.26M.