PEOPLES INDEPENDENT BANK

BOAZ, AL | Small | Est. May 2, 1988, midnight | FDIC #27233 | RSSD #1188987 | FDIC
Latest Report: 2025-12-31

PEOPLES INDEPENDENT BANK is asn small FDIC-insured commercial bank headquartered in BOAZ, AL, established in May 2, 1988, midnight. As of 2025-12-31, the bank reported total assets of $477M and total deposits of $432M. Profitability stands at 1.70% ROA and 20.14% ROE, with a net interest margin of 3.86%. The bank's CET1 capital ratio is 15.54%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.14% and a Texas Ratio of 0.63%. FDIC Certificate #27233.

Assets

$477M

Deposits

$432M

Loans

$198M

Equity

$41M

Profitability

Return on Assets (ROA) 1.70%
Return on Equity (ROE) 20.14%
Net Interest Margin (NIM) 3.86%
Yield on Assets 5.84%
Cost of Funds 2.00%

Asset Quality

NPL Ratio 0.14%
Net Charge-Off Ratio 0.03%
Texas Ratio 0.63%
NPA Ratio 0.06%
ACL / Loans 1.00%

Capital & Liquidity

CET1 Ratio 15.54%
Tier 1 Capital 15.54%
Total Capital Ratio 16.23%
Leverage Ratio 9.47%
Loan-to-Deposit 45.87%

This is just the summary

The full dashboard covers 4,313 currently filing institutions with CAMELS analytics, peer benchmarks, and exportable tearsheets.

24+ years of history
Excel tearsheet exports
Peer benchmarking
Risk & failure probability
Create Free Account

No credit card required