0.93%
+0.8%y/y
Peer standing31st percentile
FDIC
NETINC + ROABI
Bank Independent
Sheffield, AlabamaFDIC Cert #16604
STATEEstablished 194734 branches
Holding company: BANCINDEPENDENT INCRegulator: FED
FDIC
CERT + OFFDOMProfitability, margin & efficiency
Performance
Returns, spread economics, operating efficiency, and growth viewed against this bank's peers.
As of Q1 2026
Returns & margin
Annualized returns and the economics of earning assets and paid funding.
9.88%
−7.9%y/y
Peer standing37th percentile
FDIC
NETINC + ROE1.20%
+11.4%y/y
Peer standing34th percentile
FDIC
PTAXNETINC + ASSET4.85%
+2.1%y/y
Peer standing94th percentile
FDIC
NIM + NIMY6.36%
−0.1%y/y
Peer standing87th percentile
FDIC
INTINCY1.97%
−9.4%y/y
Peer standing85th percentile
FDIC
EINTEXP + DEPIDOMEfficiency & growth
Operating productivity and year-over-year balance-sheet momentum.
72.72%
−2.8%y/y
Peer standing22nd percentile
FDIC
NONIX + NIM + NONII + EEFFR3.69%
−2.4%y/y
Peer standing9th percentile
FDIC
NONIX + ASSET15.58%
−3.9%y/y
Percentile by value60th percentileby value
FDIC
NONII + NIM+5.84%
+118.1%y/y
Percentile by value55th percentileby value
FDIC
ASSET+7.07%
+175.1%y/y
Percentile by value64th percentileby value
FDIC
DEP−1.37%
−146.0%y/y
Percentile by value12th percentileby value
FDIC
LNLSNETHow this bank compares
Switch cohorts or expand any row to inspect the full distribution.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA0.93%31st percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.47%Median 1.16%90th 2.03%Observations 629
ROE
FDIC
NETINC + ROE9.88%37th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 4.37%Median 11.64%90th 19.98%Observations 629
NIM
FDIC
NIM + NIMY4.85%94th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.81%Median 3.64%90th 4.58%Observations 630
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR72.72%22nd percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 45.28%Median 61.40%90th 80.08%Observations 629
Deposits YoY
FDIC
DEP+7.07%64th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −2.50%Median +4.71%90th +17.76%Observations 624
Loans YoY
FDIC
LNLSNET−1.37%12th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −1.84%Median +5.89%90th +17.13%Observations 623
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.64%42nd percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.06%Median 0.52%90th 1.91%Observations 623
Leverage
FDIC
RBC1AAJ9.53%25th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.85%Median 10.50%90th 14.46%Observations 630
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM1.97%85th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.77%Median 2.61%90th 3.65%Observations 624
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC238%54th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 88%Median 225%90th 349%Observations 464
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA0.93%39th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.33%Median 1.08%90th 1.86%Observations 93
ROE
FDIC
NETINC + ROE9.88%43rd percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 1.89%Median 10.62%90th 18.52%Observations 93
NIM
FDIC
NIM + NIMY4.85%85th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 3.07%Median 3.78%90th 4.94%Observations 93
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR72.72%30th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 48.88%Median 64.51%90th 85.35%Observations 93
Deposits YoY
FDIC
DEP+7.07%71st percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −1.86%Median +3.54%90th +12.74%Observations 92
Loans YoY
FDIC
LNLSNET−1.37%16th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −4.14%Median +5.14%90th +17.34%Observations 92
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.64%43rd percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.02%Median 0.52%90th 2.83%Observations 93
Leverage
FDIC
RBC1AAJ9.53%20th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 9.15%Median 11.18%90th 18.53%Observations 93
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM1.97%76th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.58%Median 2.35%90th 3.19%Observations 93
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC238%75th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 40%Median 160%90th 273%Observations 37
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA0.93%38th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.64%Median 1.11%90th 1.55%Observations 14
ROE
FDIC
NETINC + ROE9.88%38th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 7.86%Median 10.08%90th 17.63%Observations 14
NIM
FDIC
NIM + NIMY4.85%100th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 3.30%Median 3.55%90th 4.50%Observations 14
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR72.72%15th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 53.32%Median 62.59%90th 73.09%Observations 14
Deposits YoY
FDIC
DEP+7.07%69th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −0.41%Median +5.04%90th +9.76%Observations 14
Loans YoY
FDIC
LNLSNET−1.37%8th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −1.13%Median +4.14%90th +12.04%Observations 14
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.64%54th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.09%Median 0.68%90th 2.59%Observations 14
Leverage
FDIC
RBC1AAJ9.53%31st percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.97%Median 10.39%90th 13.95%Observations 14
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM1.97%85th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.89%Median 2.40%90th 2.80%Observations 14
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC238%56th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 149%Median 229%90th 277%Observations 10
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.