Bank Independent: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Bank Independent of Sheffield, AL against its peer group of 931 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.32% | 1.44% | -1.12% | 6th bottom |
| ROAE | 3.21% | 12.51% | -9.30% | 6th bottom |
| Net Interest Margin | 4.07% | 3.84% | +0.23% | 73rd above |
| Efficiency Ratio | 88.68% | 58.84% | +29.84% | 3rd bottom |
| PPNR / Avg Assets | 0.52% | 1.78% | -1.26% | 4th bottom |
| Yield on Earning Assets | 5.48% | 5.71% | -0.23% | 47th below |
| Cost of Funds | 1.24% | 2.03% | -0.79% | 88th top |
| Net Interest Spread | 3.64% | 3.18% | +0.46% | 82nd top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.04% | 0.97% | -0.93% | 93rd top |
| NPA / Total Assets | 0.03% | 0.75% | -0.72% | 92nd top |
| NCO / Avg Loans | -0.17% | 0.31% | -0.48% | 99th top |
| ACL / Total Loans | 1.39% | 1.25% | +0.14% | 79th top |
| ACL / NPLs (Coverage) | 3266.54% | 695.99% | +2570.55% | — |
| Texas Ratio | 1.44% | 7.17% | -5.73% | 83rd top |
| Provision / NCO | 102.18% | 815.47% | -713.29% | 34th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 13.22% | 17.41% | -4.19% | 45th below |
| Tier 1 Ratio | 13.22% | 17.45% | -4.23% | 45th below |
| Total Capital Ratio | 14.42% | 18.51% | -4.09% | 46th below |
| Leverage Ratio | 9.82% | 11.60% | -1.78% | 32nd below |
| Equity / Assets | 10.21% | 11.33% | -1.12% | 47th below |
| TCE / Tangible Assets | 9.46% | 10.65% | -1.19% | 43rd below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 75.42% | 86.36% | -10.94% | 77th top |
| Core Deposit Ratio | 94.74% | 85.55% | +9.19% | 84th top |
| Uninsured Deposit Ratio | 42.85% | 32.70% | +10.15% | 20th bottom |
| Wholesale Funding Ratio | 1.70% | 5.46% | -3.76% | 72nd above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 2.81% | 10.46% | -7.65% | 33rd below |
| Loan Growth (Y/Y) | 0.36% | 8.00% | -7.64% | 18th bottom |
| Deposit Growth (Y/Y) | 3.38% | 7.98% | -4.60% | 40th below |
See Bank Independent's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Bank Independent, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Bank Independent profile, how to read a UBPR, or how this data updates.