SOUTHERN INDEPENDENT BANK

OPP, AL | Small | Est. Dec. 4, 2006, midnight | FDIC #58357 | RSSD #3531176 | FDIC
Latest Report: 2025-12-31

SOUTHERN INDEPENDENT BANK is asn small FDIC-insured commercial bank headquartered in OPP, AL, established in Dec. 4, 2006, midnight. As of 2025-12-31, the bank reported total assets of $396M and total deposits of $338M. Profitability stands at 0.78% ROA and 7.06% ROE, with a net interest margin of 3.34%. The bank's CET1 capital ratio is 21.38%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.06% and a Texas Ratio of 0.25%. FDIC Certificate #58357.

Assets

$396M

Deposits

$338M

Loans

$176M

Equity

$44M

Profitability

Return on Assets (ROA) 0.78%
Return on Equity (ROE) 7.06%
Net Interest Margin (NIM) 3.34%
Yield on Assets 5.62%
Cost of Funds 2.40%

Asset Quality

NPL Ratio 0.06%
Net Charge-Off Ratio 0.00%
Texas Ratio 0.25%
NPA Ratio 0.03%
ACL / Loans 1.13%

Capital & Liquidity

CET1 Ratio 21.38%
Tier 1 Capital 21.38%
Total Capital Ratio 22.45%
Leverage Ratio 13.34%
Loan-to-Deposit 52.08%

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