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BDI
BI

Bank Independent

Sheffield, AlabamaFDIC Cert #16604

STATEEstablished 194734 branches

Holding company: BANCINDEPENDENT INCRegulator: FED

FDICCERT + OFFDOM

Delinquency, loss & reserves

Credit

Early-stage delinquency, nonaccruals, realized loss, and allowance coverage from reported filings.

As of Q1 2026

Problem credits

Reported delinquent and nonperforming exposures, shown as balances and ratios.

30–89 %
1.44%
+43.9%y/y
Peer standing8th percentile
Peer standing in asset:1b_3b
FDICP3ASSET + LNLSGR
90+ %
0.17%
+101.4%y/y
Peer standing10th percentile
Peer standing in asset:1b_3b
FDICP9ASSET + LNLSGR
Nonaccrual %
0.47%
+90.0%y/y
Peer standing50th percentile
Peer standing in asset:1b_3b
FDICNAASSET + LNLSGR
Noncurrent %
0.64%
+92.9%y/y
Peer standing42nd percentile
Peer standing in asset:1b_3b
FDICP9ASSET + NAASSET + LNLSGR
NPA/assets
0.40%
+82.6%y/y
Peer standing50th percentile
Peer standing in asset:1b_3b
FDICP9ASSET + NAASSET + ORE + ASSET
NPA
$11.9M
+93.2%y/y
Peer standing32nd percentile
Peer standing in asset:1b_3b
FDICP9ASSET + NAASSET + ORE

Loss & allowance

Recognized charge-offs and the allowance held against the loan portfolio.

NCO rate
0.65%
+343.1%y/y
Peer standing6th percentile
Peer standing in asset:1b_3b
FDICNTLNLS + LNLSGR
NCO
$3M
+343.2%y/y
Peer standing3rd percentile
Peer standing in asset:1b_3b
FDICNTLNLS + DRLNLS + CRLNLS
ACL/loans
1.31%
−0.0%y/y
Percentile by value70th percentileby value
Peer standing in asset:1b_3b
FDICLNATRES + LNLSGR
30–89
$26.6M
+41.9%y/y
Peer standing4th percentile
Peer standing in asset:1b_3b
FDICP3ASSET
90+
$3.12M
+98.6%y/y
Peer standing7th percentile
Peer standing in asset:1b_3b
FDICP9ASSET
Nonaccrual
$8.61M
+87.4%y/y
Peer standing35th percentile
Peer standing in asset:1b_3b
FDICNAASSET