Independent Bank
Memphis, TN · Cert 34728 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258) · Independent Holdings Inc.
State charter, non-member · FDIC · 9 branches
Q2 2026
$1.9BAssets
$1.3BLoans
$1.6BDeposits
$195.1MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 68% of banks $1B-$10B in assets operating in a single state (rank 83 of 258).
- Widest gap: net charge-offs / loans trails 93% of banks $1B-$10B in assets operating in a single state (rank 242 of 258).
- Overall: at or above the peer median on 2 of 9 directional measures.
Return on Assets
1.20%
Rank 136 of 258
Net Interest Margin
3.75%
Rank 83 of 258
Efficiency Ratio
60.73%
Rank 134 of 257
Equity / Assets
10.52%
Rank 116 of 258
Non-interest income vs. expense
Unfavorable gap of $28.2M · efficiency ratio beats 48% of banks $1B-$10B 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 | 1.20% | 0.93% | 1.23% | 1.54% | Beats 47% | 136 / 258 | | |
| Return on Equity | 11.40% | 9.26% | 11.84% | 14.74% | Beats 46% | 139 / 258 | | |
| Net Interest Margin | 3.75% | 3.16% | 3.49% | 3.88% | Beats 68% | 83 / 258 | | |
| Efficiency Ratio | 60.73% | 51.71% | 60.30% | 69.65% | Beats 48% | 134 / 257 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.85% | 0.19% | 0.46% | 0.90% | Beats 27% | 189 / 258 | | |
| Net Charge-Offs / Loans | 0.30% | 0.01% | 0.02% | 0.07% | Beats 7% | 242 / 258 | | |
| Capital |
| Tier 1 Capital Ratio | 10.22% | 11.41% | 12.98% | 15.12% | Beats 10% | 231 / 258 | | |
| Total Risk-Based Capital Ratio | 11.05% | 12.10% | 13.91% | 16.08% | Beats 16% | 216 / 258 | | |
| Equity / Assets | 10.52% | 9.09% | 10.24% | 11.72% | Beats 55% | 116 / 258 | | |
| Liquidity & Funding |
| Loans / Deposits | 82.36% | 73.24% | 86.34% | 95.95% | 40th pctl | 156 / 258 | | |
| Loans / Assets | 71.90% | 63.01% | 72.27% | 78.40% | 49th pctl | 132 / 258 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |