BANK INDEPENDENT

SHEFFIELD, AL | Large | Est. Aug. 2, 1947, midnight | FDIC #16604 | RSSD #539032 | FED
Latest Report: 2025-12-31

BANK INDEPENDENT is aln large FDIC-insured commercial bank headquartered in SHEFFIELD, AL, established in Aug. 2, 1947, midnight. As of 2025-12-31, the bank reported total assets of $3.0B and total deposits of $2.6B. Profitability stands at 1.05% ROA and 11.70% ROE, with a net interest margin of 4.61%. The bank's CET1 capital ratio is 12.09%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.08% and a Texas Ratio of 0.82%. FDIC Certificate #16604.

Assets

$3.0B

Deposits

$2.6B

Loans

$1.8B

Equity

$267M

Profitability

Return on Assets (ROA) 1.05%
Return on Equity (ROE) 11.70%
Net Interest Margin (NIM) 4.61%
Yield on Assets 6.17%
Cost of Funds 1.67%

Asset Quality

NPL Ratio 0.08%
Net Charge-Off Ratio 0.16%
Texas Ratio 0.82%
NPA Ratio 0.08%
ACL / Loans 1.42%

Capital & Liquidity

CET1 Ratio 12.09%
Tier 1 Capital 12.09%
Total Capital Ratio 13.32%
Leverage Ratio 8.73%
Loan-to-Deposit 69.10%

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