Southern Independent Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Southern Independent Bank of Opp, AL against its peer group of 2672 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 | 1.00% | 1.34% | -0.34% | 33rd below |
| ROAE | 8.97% | 13.32% | -4.35% | 30th below |
| Net Interest Margin | 3.23% | 3.93% | -0.70% | 17th bottom |
| Efficiency Ratio | 57.75% | 61.14% | -3.39% | 61st above |
| PPNR / Avg Assets | 1.42% | 1.68% | -0.26% | 40th below |
| Yield on Earning Assets | 5.25% | 5.67% | -0.42% | 33rd below |
| Cost of Funds | 2.24% | 1.88% | +0.36% | 24th bottom |
| Net Interest Spread | 2.27% | 3.32% | -1.05% | 8th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.14% | 0.94% | -0.80% | 69th above |
| NPA / Total Assets | 0.06% | 0.70% | -0.64% | 75th top |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.07% | 0.16% | -0.09% | 22nd bottom |
| ACL / Total Loans | 1.14% | 1.28% | -0.14% | 42nd below |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 815.48% | 1538.98% | -723.50% | 80th top |
| Texas Ratio | 0.53% | 7.33% | -6.80% | 79th top |
| Provision / NCO Behind the peer average, ahead of the median peer. | 308.82% | 1396.12% | -1087.30% | 66th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 13.63% | 12.14% | +1.49% | 79th top |
| Equity / Assets | 11.45% | 11.37% | +0.08% | 65th above |
| TCE / Tangible Assets | 11.45% | 11.09% | +0.36% | 68th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 53.71% | 80.65% | -26.94% | 89th top |
| Core Deposit Ratio | 82.52% | 86.86% | -4.34% | 22nd bottom |
| Wholesale Funding Ratio | 2.28% | 5.03% | -2.75% | 64th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 3.60% | 6.85% | -3.25% | 44th below |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.39% | 7.90% | -2.51% | 50th above |
| Deposit Growth (Y/Y) | 3.39% | 6.29% | -2.90% | 45th below |
See Southern Independent Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Southern Independent Bank, 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 Southern Independent Bank profile, how to read a UBPR, or how this data updates.