Branch Network
Bank Independent Locations & Branches Sheffield, Alabama
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Bank Independent operates 33 branches from its headquarters in Sheffield, AL, . Its main office is at 710 S Montgomery Ave, Sheffield, AL 35660.
Bank Independent branch network
All 33 branches are in ALABAMA, across 19 cities. Florence, AL has the most of its branches, 4. Its largest office by deposits is the Downtown Huntsville Branch office in Huntsville, AL, with $408.2M (16.6% of its branch deposits). It had the same number of branches on June 30, 2025.
Bank Independent at a glance
Its CET1 capital ratio was 13.22% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Total assets, Q2 2026
- $2.86B
- CET1 ratio, Q2 2026
- 13.22%
- Deposit insurance
- FDIC
- Regulator
- Federal Reserve
- Latest call report
- Q2 2026, FFIEC 041
- Established
- 1947
Full financial profile · Is Bank Independent safe? · Bank Independent call report · Routing number
Deposit market share
Share of all FDIC-insured deposits held in each area, from the June 30, 2026 Summary of Deposits. Rank 1 is the largest holder. Shares are by bank charter, not by holding company.
| Area | Rank | Deposit share | Deposits |
|---|---|---|---|
| City: Sheffield, AL (2 branches) | 1 of 1 | 100.0% | $221.5M |
| State: AL (33 branches) | 11 of 131 | 1.7% | $2.47B |
Ranked by total assets among banks headquartered in the state: Largest banks in Alabama.
Share by county and metro area
Bank Independent's share of FDIC-insured deposits in the counties and metro areas where it has branches, from the June 30, 2026 Summary of Deposits. Up to the ten largest of each are shown, by the bank's deposits. Rank 1 is the largest holder. Banks only: credit unions are not in the Summary of Deposits.
Counties
| County | Rank | Deposit share | Deposits | County total |
|---|---|---|---|---|
| Lauderdale, AL (7 branches) | 1 of 16 | 24.5% | $640.3M | $2.62B |
| Colbert, AL (8 branches) | 2 of 6 | 38.6% | $510.7M | $1.32B |
| Madison, AL (5 branches) | 7 of 35 | 4.5% | $486.3M | $10.83B |
| Morgan, AL (4 branches) | 3 of 15 | 10.5% | $304.2M | $2.89B |
| Lawrence, AL (3 branches) | 1 of 4 | 54.4% | $243.2M | $447.1M |
| Limestone, AL (3 branches) | 4 of 12 | 13.5% | $193.8M | $1.44B |
| Franklin, AL (3 branches) | 4 of 5 | 9.8% | $87.2M | $892.3M |
Metro areas
| Metro area | Rank | Deposit share | Deposits | Metro total |
|---|---|---|---|---|
| Florence-Muscle Shoals, AL (15 branches) | 1 of 16 | 29.2% | $1.15B | $3.94B |
| Huntsville, AL (8 branches) | 6 of 37 | 5.5% | $680.1M | $12.27B |
| Decatur, AL (7 branches) | 3 of 16 | 16.4% | $547.4M | $3.33B |
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Downtown Huntsville Branch | Huntsville, AL | 35801 | $408.2M |
| Florence Branch | Florence, AL | 35630 | $261.6M |
| Bank Independent (main office) | Sheffield, AL | 35660 | $221.5M |
| Moulton Branch | Moulton, AL | 35650 | $176.4M |
| Muscle Shoals Branch | Muscle Shoals, AL | 35661 | $168.4M |
| Decatur Crossings Branch | Decatur, AL | 35603 | $104.1M |
| Killen Branch | Killen, AL | 35645 | $101.4M |
| Athens Branch | Athens, AL | 35611 | $87.9M |
| Cox Creek Branch | Florence, AL | 35630 | $84.4M |
| Decatur Main Branch | Decatur, AL | 35601 | $83.8M |
| Athens East Branch | Athens, AL | 35613 | $81.9M |
| Bank Street Branch | Rogersville, AL | 35652 | $78.6M |
| Tuscumbia Branch | Tuscumbia, AL | 35674 | $72.7M |
| Hartselle Branch | Hartselle, AL | 35640 | $66.8M |
| Darby Place Branch | Florence, AL | 35630 | $53.8M |
| East Lawrence Branch | Moulton, AL | 35650 | $52.6M |
| Madison Branch | Madison, AL | 35758 | $51.6M |
| Decatur Beltline Branch | Decatur, AL | 35601 | $49.5M |
| Russellville Village Square Branch | Russellville, AL | 35653 | $43.6M |
| Lexington Branch | Lexington, AL | 35648 | $33.1M |
| Florence Square Branch | Florence, AL | 35630 | $27.6M |
| West Madison Branch | Madison, AL | 35756 | $24.0M |
| Russellville Branch | Russellville, AL | 35653 | $23.4M |
| Leighton Branch | Leighton, AL | 35646 | $21.8M |
| Red Bay Branch | Red Bay, AL | 35582 | $20.2M |
| Digital Sales Office Branch | Muscle Shoals, AL | 35661 | $19.4M |
| Courtland Branch | Courtland, AL | 35618 | $14.2M |
| South Huntsville Branch | Huntsville, AL | 35802 | $11.9M |
| Midcity Huntsville Branch | Huntsville, AL | 35806 | $9.3M |
| Cherokee Branch | Cherokee, AL | 35616 | $6.9M |
| Hampton Cove Branch | Owens Cross Roads, AL | 35763 | $5.2M |
| Jackson Place Branch | Sheffield, AL | 35660 | $0 |
| Deshler Branch | Tuscumbia, AL | 35674 | $0 |
Source: FDIC Summary of Deposits, June 30, 2026. How the survey works.
Regulator records: FDIC BankFind (cert 16604) · FFIEC NIC profile (RSSD 539032)