Peoples Independent Bank
Boaz, AL · Cert 27233 · Peer group: banks under $1B in assets operating in a single state (n=751-755) · Peoples Ind Bancshares Inc.
State charter, non-member · FDIC · 9 branches
Q2 2026
$485.7MAssets
$189.6MLoans
$441.3MDeposits
$40.9MEquity
Executive Summary
- Strongest standing: return on equity outperforms 86% of banks under $1B in assets operating in a single state (rank 103 of 755).
- Widest gap: equity / assets trails 82% of banks under $1B in assets operating in a single state (rank 620 of 755).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
1.33%
Rank 240 of 755
Net Interest Margin
3.35%
Rank 510 of 755
Efficiency Ratio
57.38%
Rank 221 of 755
Equity / Assets
8.42%
Rank 620 of 755
Non-interest income vs. expense
Unfavorable gap of $8.3M · efficiency ratio beats 71% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.33% | 0.72% | 1.06% | 1.45% | Beats 68% | 240 / 755 | |
| Return on Equity | 15.83% | 6.66% | 10.44% | 13.61% | Beats 86% | 103 / 755 | |
| Net Interest Margin | 3.35% | 3.15% | 3.68% | 4.17% | Beats 32% | 510 / 755 | |
| Efficiency Ratio | 57.38% | 55.75% | 64.78% | 75.61% | Beats 71% | 221 / 755 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.30% | 0.09% | 0.42% | 1.05% | Beats 58% | 315 / 751 | |
| Net Charge-Offs / Loans | 0.02% | 0.00% | 0.01% | 0.05% | Beats 43% | 429 / 751 | |
| Capital |
| Tier 1 Capital Ratio | 14.06% | 11.56% | 13.81% | 17.74% | Beats 52% | 360 / 755 | |
| Total Risk-Based Capital Ratio | 14.67% | 11.72% | 14.46% | 18.53% | Beats 52% | 365 / 755 | |
| Equity / Assets | 8.42% | 8.93% | 10.56% | 13.13% | Beats 18% | 620 / 755 | |
| Liquidity & Funding |
| Loans / Deposits | 42.95% | 62.43% | 78.62% | 91.00% | 6th pctl | 711 / 755 | |
| Loans / Assets | 39.03% | 54.70% | 67.27% | 76.55% | 8th pctl | 696 / 755 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |