Independence State Bank
Independence, WI
IDRSSD: 396057
Total Assets
$88.36M
Latest filing
Total Deposits
$76.47M
Latest filing
Net Interest Margin
4.71%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
091805683INDEPENDENCE, WI
Key People
Loading leadership data...
Locations
Main office and branches. Select to view on the map.
Main Office
Independence State Bank
23942 Senty Dr
Independence, WI 54747
Full Service - Brick and Mortar
Updated 01/30/2026Established 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
Tooltip shows Quarter only. Download buttons export the chart only (CSV/PNG with white background).
Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
Similar banks
Bank of Ontario
Ontario, Wisconsin
→
Assets: $80.29MΔ -4.3%
Park Bank, National Association
Holmen, Wisconsin
→
Assets: $79.07MΔ -5.7%
Hustisford State Bank
Hustisford, Wisconsin
→
Assets: $78.54MΔ -6.4%
Superior Savings Bank
Superior, Wisconsin
→
Assets: $90.88MΔ +8.3%
Ladysmith Federal Savings and Loan Association
Ladysmith, Wisconsin
→
Assets: $92.64MΔ +10.4%
Mayville Savings Bank
Mayville, Wisconsin
→
Assets: $73.66MΔ -12.2%
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 | 01/30/2026 |
| CERT | 10741 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $88.36M |
| Total Deposits | $76.47M |
| Total Liabilities | $79.85M |
| Total Equity Capital | $8.51M |
| Net Income | $292.00k |
| Net Loans and Leases | $63.96M |
| Assets Per Employee ($Millions) | $5.52M |
| Bank Premises and Fixed Assets | $1.44M |
| Cash and Balances due from Depository Institutions | $7.02M |
| Deposits Held in Domestic Offices | $76.47M |
Key Performance Ratios
| Return on Assets (ROA) | 1.36% |
| Return on Equity (ROE) | 14.03% |
| Net Interest Margin | 4.71% |
| Efficiency Ratio | 64.5% |
| Tier 1 Risk-Based Capital Ratio | 12.153% |
| 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 | 9.628% |
| Earning Assets to total Assets | 95.99% |
Income and Expense
| Total Interest Income | $1.27M |
| Total Noninterest Income | $60.00k |
| Total Interest Expense | $296.00k |
| Total Noninterest Expense | $665.00k |
| Net Interest Income | $971.00k |
| Pre-tax Net Operating Income | $366.00k |
| 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 | $3.13M |
| All Other Liabilities | $254.00k |
| Total Liabilities and Capital | $88.36M |
Securities
| Securities | $14.44M |
| Available-for-sale debt securities | $14.30M |
| 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?
$88.36M as of the latest filing.
How much are Independence State Bank's total deposits?
$76.47M in total deposits.
Where is Independence State Bank located?
Independence, WI.
What is the Net Interest Margin?
4.71%.
How many domestic offices does it operate?
3.
When was it established?
01/01/1897.
What is the Return on Assets (ROA)?
1.36%.
How much are total loans and leases?
$63.96M (latest filing).
What is the total interest income (latest filing)?
$1.27M.