Bank Comparison
Kentland Bank vs Southern Independent Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
14 · 6
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Kentland Bank | Southern Independent Bank |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 12.08% | 13.51% |
| Equity / Assets | 11.06% | 10.94% |
Profitability
| Metric | Kentland Bank | Southern Independent Bank |
|---|---|---|
| Return on Assets (ROA) | 1.35% | 1.21% |
| Return on Equity (ROE) | 12.35% | 10.96% |
| Net Interest Margin (NIM) | 4.32% | 3.04% |
| Yield on Earning Assets | 6.17% | 5.01% |
| Cost of Funds | 2.01% | 2.23% |
Asset quality
| Metric | Kentland Bank | Southern Independent Bank |
|---|---|---|
| Texas Ratio | 13.26% | 0.51% |
| Non-Performing Loan Ratio | 0.63% | 0.13% |
| Non-Performing Asset Ratio | 1.61% | 0.06% |
| Net Charge-Off Ratio | -0.01% | 0.00% |
| ACL / Loans | 1.67% | 1.14% |
Balance sheet
| Metric | Kentland Bank | Southern Independent Bank |
|---|---|---|
| Total Assets | $402,166K | $402,890K |
| Total Deposits | $310,960K | $345,280K |
| Total Loans | $269,110K | $178,911K |
| Total Equity | $44,478K | $44,071K |
| Net Income (quarter) | $1,376K | $1,204K |
Liquidity & funding
| Metric | Kentland Bank | Southern Independent Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 86.54% | 51.82% |
| Core Deposit Ratio | 85.17% | 82.08% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Kentland Bank | Southern Independent Bank |
|---|---|---|
| Headquarters City | KENTLAND | OPP |
| Headquarters State | IN | AL |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 5 | 3 |
| Employees (FTE) | 59 | 44 |
| Established | Sept. 19, 1932, midnight | Dec. 4, 2006, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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