Independence Bank is a bank based in Havre, Montana, established in 1973, with $1.4 billion in total assets across 10 branches. By Trust Grade it ranks 10th of 36 banks we track in Montana. Its capital ratio of 11.9% is stronger than 76% of similarly sized banks, versus a Montana median of 10%. It was profitable over the most recent period, with a 1.94% return on assets. No consumer complaints against Independence Bank appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Independence Bank compares to Montana peers
How we graded Independence Bank
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (11.9% capital ratio)
- Strongly profitable (ROA 1.94%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Independence Bank over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (10)
- 435 3rd St, Havre, MT 59501
- 101 8th Street North, Glasgow, MT 59230
- 135 South Second Street, Malta, MT 59538
- 309 N Front St, Conrad, MT 59425
- 131 Main St, Shelby, MT 59474
- 901 River Dr N, Great Falls, MT 59401
- 300 Us Highway 2, Wolf Point, MT 59201
- 112 N. Main Street, Plentywood, MT 59254
- 214 2nd Ave W, Poplar, MT 59255
- 202 Main St, Scobey, MT 59263
Are deposits at Independence Bank insured?
Yes. Independence Bank is an FDIC-insured bank (FDIC certificate #20989). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Independence Bank: frequently asked questions
Is Independence Bank a good bank?
Independence Bank earns a Bankzia Trust Grade of A (98/100, "Excellent"), based on a financial-strength score of 98/100 (it has no CFPB complaints on record). Strongly capitalized (11.9% capital ratio); Strongly profitable (ROA 1.94%).
Is Independence Bank FDIC-insured?
Yes. Independence Bank is a FDIC-insured bank (FDIC certificate #20989). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is Independence Bank?
Independence Bank holds $1.4 billion in total assets, ranking 10th of 36 banks we track in Montana. It operates 10 branches.
Does Independence Bank have CFPB complaints?
No CFPB complaints against Independence Bank appear in our data over the analysis window, which is typical for a bank of this size.
Similar Banks
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
