Peoples Independent Bank
Boaz, AL · Cert 27233 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · 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 87% of banks under $1B in assets operating in a single state (rank 99 of 746).
- Widest gap: equity / assets trails 82% of banks under $1B in assets operating in a single state (rank 608 of 746).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
1.33%
Rank 239 of 746
Net Interest Margin
3.35%
Rank 507 of 746
Efficiency Ratio
57.38%
Rank 224 of 746
Equity / Assets
8.42%
Rank 608 of 746
Non-interest income vs. expense
Unfavorable gap of $8.3M · efficiency ratio beats 70% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.33% | 0.72% | 1.06% | 1.45% | Beats 68% | 239 / 746 | | |
| Return on Equity | 15.83% | 6.74% | 10.51% | 13.63% | Beats 87% | 99 / 746 | | |
| Net Interest Margin | 3.35% | 3.17% | 3.68% | 4.16% | Beats 32% | 507 / 746 | | |
| Efficiency Ratio | 57.38% | 55.74% | 64.58% | 75.47% | Beats 70% | 224 / 746 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.30% | 0.09% | 0.42% | 1.07% | Beats 59% | 303 / 743 | | |
| Net Charge-Offs / Loans | 0.02% | 0.00% | 0.01% | 0.05% | Beats 42% | 433 / 743 | | |
| Capital |
| Tier 1 Capital Ratio | 14.06% | 11.55% | 13.75% | 17.60% | Beats 53% | 353 / 746 | | |
| Total Risk-Based Capital Ratio | 14.67% | 11.71% | 14.33% | 18.43% | Beats 52% | 359 / 746 | | |
| Equity / Assets | 8.42% | 8.90% | 10.51% | 13.06% | Beats 18% | 608 / 746 | | |
| Liquidity & Funding |
| Loans / Deposits | 42.95% | 61.31% | 78.27% | 90.78% | 6th pctl | 700 / 746 | | |
| Loans / Assets | 39.03% | 53.60% | 66.97% | 76.08% | 8th pctl | 685 / 746 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |