BlastPoint's Banking Scorecard
Independence Bank
Independence, OH
Independence Bank has 2 strengths but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 7.55% below tier average
- + Delinquency Rate 0.66% below tier average
Key Concerns
Areas that may need attention
- - NIB Deposit Bleed: Bottom 73.7% in tier
- - Non-Interest Income / Assets 0.25% below tier average
- - ROA 0.26% below tier average
- - Net Interest Margin 0.68% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$191.4M
+7.1% YoY
+5.6% QoQ
|
-$194.7M |
$386.1M
+0.5% YoY
|
$35.8B
+10.6% YoY
|
$6.2B
+9.1% YoY
|
24% |
| Total Loans ? |
$100.6M
-9.8% YoY
-8.7% QoQ
|
-$155.1M |
$255.7M
+1.1% YoY
|
$15.7B
+12.8% YoY
|
$3.2B
+10.8% YoY
|
20% |
| Total Deposits ? |
$162.0M
+8.3% YoY
+6.4% QoQ
|
-$166.0M |
$328.0M
+0.1% YoY
|
$25.9B
+8.5% YoY
|
$4.8B
+8.2% YoY
|
24% |
| Return on Assets ? |
1.01%
+16.1% YoY
+52.1% QoQ
|
-0.26% |
1.27%
+12.9% YoY
|
1.12%
+9.9% YoY
|
1.23%
+13.4% YoY
|
38% |
| Net Interest Margin ? |
3.25%
+4.0% YoY
+4.3% QoQ
|
-0.68% |
3.93%
+6.0% YoY
|
3.58%
+7.5% YoY
|
3.89%
+5.7% YoY
|
20% |
| Efficiency Ratio ? |
57.73%
-5.0% YoY
-15.6% QoQ
|
-7.55% |
65.29%
-4.5% YoY
|
72.65%
-4.0% YoY
|
66.95%
-4.1% YoY
|
67% |
| Delinquency Rate ? |
0.22%
-59.0% YoY
+118.0% QoQ
|
-0.66% |
0.89%
+18.8% YoY
|
0.65%
+14.5% YoY
|
0.95%
+18.8% YoY
|
63% |
| Loan-to-Deposit Ratio ? |
62.13%
-16.7% YoY
-14.2% QoQ
|
-14.51% |
76.64%
+0.8% YoY
|
79.14%
+0.8% YoY
|
76.70%
+0.9% YoY
|
79% |
| Non-Interest-Bearing Deposit Share ? |
19.89%
-13.5% YoY
-1.0% QoQ
|
-2.13% |
22.02%
-1.0% YoY
|
18.08%
-0.4% YoY
|
22.01%
-1.2% YoY
|
45% |
| Nonperforming Asset Ratio ? |
0.12%
-65.4% YoY
+88.6% QoQ
|
-0.52% |
0.64%
+19.7% YoY
|
0.44%
+14.5% YoY
|
0.67%
+19.3% YoY
|
68% |
| Tier 1 Capital Ratio ? |
15.26%
-2.2% YoY
+0.7% QoQ
|
-0.57% |
15.83%
+1.5% YoY
|
19.44%
+3.1% YoY
|
17.06%
+0.8% YoY
|
68% |
| Non-Interest Income / Assets ? |
0.03%
+167.4% YoY
-37.2% QoQ
|
-0.25% |
0.28%
+9.3% YoY
|
0.57%
-2.4% YoY
|
0.32%
+4.1% YoY
|
Bottom 9.6% in tier |
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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 (0)
Concerns (1)
NIB Deposit Bleed
declineNon-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.