Southern Independent Bank: 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 dropped 55.46 percentage points in Q2 2026, from 870.94% to 815.48%. It was the largest change from Q1 2026 among the key lines here. Within Alabama, Southern Independent Bank is 57th of 93 on return on assets, 1.00% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 1.25% on return on assets. Southern Independent Bank sits 0.26 points lower, at 1.00% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 13.63% |
| Equity capital to assets | 11.45% |
| Tangible equity to tangible assets | 11.45% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.14% |
| Non-performing assets ratio | 0.06% |
| Net charge-off ratio | 0.07% |
| Texas ratio | 0.53% |
| Allowance for credit losses to loans | 1.14% |
| Reserve coverage of non-performing loans | 815.48% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.00% |
| Return on equity | 8.97% |
| Net interest margin | 3.23% |
| Efficiency ratio | 57.75% |
| Yield on earning assets | 5.25% |
| Cost of funds | 2.24% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 53.71% |
| Core deposits to total deposits | 82.52% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 85.12% |
| Securities to assets | 40.14% |
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 | — | — | — | 14.25% | 3.75% |
| Q4 2023 | 20.66% | 20.66% | 21.60% | 14.06% | 0.29% |
| Q1 2024 | — | — | — | 13.66% | 0.88% |
| Q2 2024 | — | — | — | 13.80% | 0.68% |
| Q3 2024 | — | — | — | 13.82% | 0.95% |
| Q4 2024 | 21.14% | 21.14% | 22.11% | 13.65% | 0.86% |
| Q1 2025 | — | — | — | 14.03% | 0.94% |
| Q2 2025 | — | — | — | 14.14% | 1.46% |
| Q3 2025 | — | — | — | 13.40% | 1.13% |
| Q4 2025 | 21.38% | 21.38% | 22.45% | 13.34% | 0.77% |
| Q1 2026 | — | — | — | 13.51% | 1.21% |
| Q2 2026 | — | — | — | 13.63% | 1.00% |
Southern Independent Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Southern Independent Bank, 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 Southern Independent Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58357) · FFIEC NIC profile (RSSD 3531176)