BlastPoint's Banking Scorecard

Independence State Bank

under $100M Specialty: Agricultural WI FDIC cert 10741

Designations: ✓ Community bank

Independence, WI

3 branches across WI

541 banks in the under $100M peer group nationally 11 in WI

Independence State Bank demonstrates 5 strengths

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Delinquency Rate 1.37% below tier average
+ Nonperforming Asset Ratio 0.79% below tier average
+ ROA 0.28% above tier average
+ Net Interest Margin 0.79% above tier average
+ Efficiency Ratio 18.28% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

Get updates when Independence State Bank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
Total Assets ?	$85.9M +1.4% YoY -2.8% QoQ	+$23.7M	$62.2M -0.6% YoY	$1.1B +10.1% YoY	$6.2B +9.1% YoY	79%
Total Loans ?	$66.1M +16.2% YoY +3.4% QoQ	+$31.9M	$34.2M -1.4% YoY	$816.7M +9.9% YoY	$3.2B +10.8% YoY	Top 7.2% in tier
Total Deposits ?	$73.6M -0.4% YoY -3.8% QoQ	+$21.8M	$51.7M -0.7% YoY	$905.4M +9.0% YoY	$4.8B +8.2% YoY	80%
Return on Assets ?	1.12% +13.1% YoY -6.3% QoQ	+0.28%	0.84% -2.3% YoY	1.50% +15.4% YoY	1.23% +13.4% YoY	58%
Net Interest Margin ?	4.65% +8.0% YoY +1.7% QoQ	+0.79%	3.86% +2.8% YoY	3.77% +9.2% YoY	3.89% +5.7% YoY	80%
Efficiency Ratio ?	70.06% -1.6% YoY +4.0% QoQ	-18.28%	88.34% +0.3% YoY	64.74% -4.5% YoY	66.95% -4.1% YoY	53%
Delinquency Rate ?	0.00% -100.0% QoQ	-1.37%	1.37% +33.8% YoY	0.87% +31.3% YoY	0.95% +18.8% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	89.91% +16.6% YoY +7.5% QoQ	+25.69%	64.22% -0.7% YoY	86.53% +1.6% YoY	76.70% +0.9% YoY	15%
Non-Interest-Bearing Deposit Share ?	20.47% +0.1% YoY -12.1% QoQ	-3.24%	23.71% +0.3% YoY	18.27% -0.8% YoY	22.01% -1.2% YoY	40%
Nonperforming Asset Ratio ?	0.00% -100.0% QoQ	-0.79%	0.79% +28.2% YoY	0.63% +35.0% YoY	0.67% +19.3% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	12.20% +1.3% YoY +0.4% QoQ	-14.49%	26.68% +2.0% YoY	14.74% +0.5% YoY	17.06% +0.8% YoY	25%
Non-Interest Income / Assets ?	0.05% +6.0% YoY -75.0% QoQ	-0.62%	0.67% +1.9% YoY	1.15% +12.5% YoY	0.32% +4.1% YoY	43%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 541 peers in under $100M

Top Strengths (6 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 1.37%

#1 of 521 Top 0.1% in under $100M

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.79%

#1 of 541 Top 0.1% in under $100M

Total Loans

size

Value: $66.14M

Peer Median: $34.25M

#40 of 541 Top 7.2% in under $100M

110

Net Interest Margin

profitability

Value: 4.65%

Peer Median: 3.86%

#110 of 541 Top 20.1% in under $100M

111

Total Deposits

size

Value: $73.56M

Peer Median: $51.74M

#111 of 541 Top 20.3% in under $100M

112

Total Assets

size

Value: $85.88M

Peer Median: $62.16M

#112 of 541 Top 20.5% in under $100M

Top Weaknesses (2 metrics)

459

Loan-to-Deposit Ratio

liquidity

Value: 89.91%

Peer Median: 64.22%

#459 of 541 Bottom 15.3% in under $100M

407

Tier 1 Capital Ratio

capital

Value: 12.20%

Peer Median: 26.68%

#407 of 541 Bottom 25.0% in under $100M