Institution Class	Commercial bank, state charter, Fed non-member, and supervised by the FDIC
Primary Regulator	FDIC
Established Date	01/01/1913
Community Bank	No
Ownership Type	Not Mutual
ZIP	75070
State and County Number	48085
Subchapter S Corporations	No
Trust Powers	N/A
Federal Reserve ID Number	11
Numeric code	21
Insured by FDIC	Institution closed or not insured by FDIC
Federal Reserve District	Dallas
Core Based Statistical Area Name	Dallas-Fort Worth-Arlington, TX

Operational Info

Number of Employees	1,392
Domestic Offices	101
Foreign Offices	0
US Offices	0
Directly owned by another bank (CERT)	No
Last Structure Change Effective Date	01/01/2025
Date of Deposit Insurance	01/01/1934
Primary Insurance Agency	DIF
Website	N/A
Data Updated	11/28/2025
CERT	3076
Office of The Comptroller District:	—
Office of Thrift Supervision Region	N/A

Financial Summary

Total Assets	$17.54B
Total Deposits	$15.24B
Total Liabilities	$15.33B
Total Equity Capital	$2.20B
Net Income	$28.94M
Net Loans and Leases	$13.47B
Assets Per Employee ($Millions)	$12.6M
Bank Premises and Fixed Assets	$373.39M
Cash and Balances due from Depository Institutions	$1.04B
Deposits Held in Domestic Offices	$15.24B

Return on Assets (ROA)	0.64%
Return on Equity (ROE)	5.17%
Net Interest Margin	2.74%
Efficiency Ratio	66.82%
Tier 1 Risk-Based Capital Ratio	12.537%
Net Loans and Leases to Core Deposits	0%
Credit Loss Provision to Assets	0.04%
Cash Dividends to Net Income (YTD Only)	0%
Equity Capital to Assets	12.568%
Earning Assets to total Assets	91.5%

Total Interest Income	$227.84M
Total Noninterest Income	$16.57M
Total Interest Expense	$114.15M
Total Noninterest Expense	$89.87M
Net Interest Income	$113.68M
Pre-tax Net Operating Income	$38.77M
Provision for Credit Losses	$1.62M
Discontinued Operations (Extraordinary Gains - Net)	$0

Goodwill and Other Intangibles	$0
All Other Assets	—
Other Real Estate Owned	$8.69M
Other borrowed funds	$0
Federal Funds Sold & Reverse Repurchase Agreement	$0
Federal Funds Purchased and Repurchased Agreement	$0
All Other Liabilities	$86.85M
Total Liabilities and Capital	$17.54B

Securities	$1.63B
Available-for-sale debt securities	$1.43B
Equity securities with readily determinable fair values not held for trading	—
Held-to-maturity securities	$203.41M
Subordinated Debt	$0
Trading Account Assets	$0
Trading Liabilities	$0

What are the total assets of Independent Bank?

$17.54B as of the latest filing.

How much are Independent Bank's total deposits?

$15.24B in total deposits.

Where is Independent Bank located?

Mckinney, TX.

What is the Net Interest Margin?

2.74%.

How many domestic offices does it operate?

101.

When was it established?

01/01/1913.

What is the Return on Assets (ROA)?

0.64%.

How much are total loans and leases?

$13.47B (latest filing).

What is the total interest income (latest filing)?

$227.84M.