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Independent Bank

Our records indicate that this bank has been acquired by Centerstate Bank Central Florida, National Association.


Independent Bank is an FDIC insured institution headquartered at 7777 Henneman Way, Mckinney, TX 75070.
It was founded in 1913 and has approximately $19 billion in assets. Customers can open an account at one of its 73 branches.

Deposit Rates - July 25, 2026

SAVINGS RATES APY MIN
SAV
1.00% $0 Compare
CD RATES APY MIN
1 Mo CD
0.20% $1,000 Compare
3 Mo CD
0.75% $1,000 Compare
6 Mo CD
0.65% $1,000 Compare
11 Mo CD
5.00% $1,000 Compare
12 Mo CD
0.75% $1,000 Compare
13 Mo CD
5.25% $1,000 Compare
24 Mo CD
4.15% $1,000 Compare
36 Mo CD
0.75% $1,000 Compare
60 Mo CD
0.85% $1,000 Compare
MM RATES APY MIN
Money Market
3.04% $0 Compare
Money Market
4.00% $25,000 Compare
INT CHECKING RATES APY MIN
0.65% $0
INTCK
0.50% $1




Overview 2026

General Bank Information

FDIC Insured Yes
FDIC Certificate # 3076
Date Established 1913
Assets $ 18.58 billion
Loans $ 13.47 billion
Deposits $ 15.24 billion
Capital $ 2.20 billion

Summary Balance Sheet as of December 31, 2025

ASSETS
Cash & Balances due from depository institutions $ 1,043.27 million
Interest-bearing balances $ 948.59 million
Total securities $ 1,631.62 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 13.47 billion
Loan loss allowance $ 133.04 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 8.69 million
Goodwill and other intangibles $ 514.83 million
All other assets $ 431.40 million
     Total Assets $ 15.33 billion

LIABILITIES
Total deposits $ 15.24 billion
      Interest-bearing deposits $ 11.97 billion
      Deposits held in domestic offices $ 15.24 billion
      % insured (estimated)" 55.36%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds $ 175.00 million
Subordinated debt N.A.
All other liabilities $ 109.06 millionn
      Total Liabilities $ 15.33 billion
      Shareholders’ Equity $ 3.24 billion

Summary Income Statement as of December 31, 2025

INCOME AND EXPENSES
Total Interest Income $ 943.84 million
Total Interest Expense $ 499.45 million
Net interest income $ 444.40 million
Provision for loan and lease losses $ 3.12 million
Total non interest income $ 57.41 million
Total non interest expense $ 862.77 million
Pre-tax Net Operating Income $ 144.54 million

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Branches

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Independent Bank Locations

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