Bank Independent: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans climbed 2986.84 percentage points in Q2 2026, from 279.70% to 3266.54%. It was the largest change from Q1 2026 among the key lines here. On return on assets, Bank Independent is 9th from the bottom among 93 Alabama banks, 0.32% (Q2 2026). Against a median of 1.28% for banks in the $1B-10B asset tier, Bank Independent reported 0.32% on return on assets in Q2 2026, 0.95 points lower.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 13.22% |
| Tier 1 risk-based capital ratio | 13.22% |
| Total risk-based capital ratio | 14.42% |
| Tier 1 leverage ratio | 9.82% |
| Equity capital to assets | 10.21% |
| Tangible equity to tangible assets | 9.46% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.04% |
| Non-performing assets ratio | 0.03% |
| Net charge-off ratio | -0.17% |
| Texas ratio | 1.44% |
| Allowance for credit losses to loans | 1.39% |
| Reserve coverage of non-performing loans | 3266.54% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.32% |
| Return on equity | 3.21% |
| Net interest margin | 4.07% |
| Efficiency ratio | 88.68% |
| Yield on earning assets | 5.48% |
| Cost of funds | 1.24% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 75.42% |
| Core deposits to total deposits | 94.74% |
| Brokered deposits to total deposits | 0.43% |
| Deposits to assets | 86.21% |
| Securities to assets | 15.99% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 10.32% | 10.32% | 11.38% | 8.46% | 0.98% |
| Q4 2023 | 10.65% | 10.65% | 11.76% | 8.40% | 1.02% |
| Q1 2024 | 10.63% | 10.63% | 11.77% | 8.15% | 0.80% |
| Q2 2024 | 10.78% | 10.78% | 11.94% | 8.28% | 0.90% |
| Q3 2024 | 10.71% | 10.71% | 11.84% | 8.44% | 1.09% |
| Q4 2024 | 11.23% | 11.23% | 12.37% | 8.49% | 0.98% |
| Q1 2025 | 10.93% | 10.93% | 12.05% | 8.61% | 0.93% |
| Q2 2025 | 11.28% | 11.28% | 12.44% | 8.81% | 1.10% |
| Q3 2025 | 11.66% | 11.66% | 12.86% | 8.75% | 0.99% |
| Q4 2025 | 12.09% | 12.09% | 13.32% | 8.73% | 1.05% |
| Q1 2026 | 13.19% | 13.19% | 14.31% | 9.53% | 0.92% |
| Q2 2026 | 13.22% | 13.22% | 14.42% | 9.82% | 0.32% |
Bank Independent vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank Independent, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Bank Independent profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16604) · FFIEC NIC profile (RSSD 539032)