Southern Independent Bank
Opp, AL · Cert 58357 · Peer group: banks under $1B in assets (n=581-629) · Southern Ind Bancshares Inc.
State charter, non-member · FDIC · 3 branches
Q2 2026
$395.3MAssets
$180.7MLoans
$336.5MDeposits
$45.2MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 76% of banks under $1B in assets (rank 140 of 581).
- Widest gap: net interest margin trails 75% of banks under $1B in assets (rank 474 of 629).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
1.12%
Rank 275 of 629
Net Interest Margin
3.02%
Rank 474 of 629
Efficiency Ratio
58.35%
Rank 158 of 629
Equity / Assets
11.45%
Rank 260 of 629
Non-interest income vs. expense
Unfavorable gap of $6.5M · efficiency ratio beats 75% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.12% | 0.60% | 1.01% | 1.45% | Beats 56% | 275 / 629 | | |
| Return on Equity | 9.75% | 5.38% | 9.30% | 13.28% | Beats 53% | 298 / 629 | | |
| Net Interest Margin | 3.02% | 3.03% | 3.54% | 4.05% | Beats 25% | 474 / 629 | | |
| Efficiency Ratio | 58.35% | 58.35% | 67.79% | 79.08% | Beats 75% | 158 / 629 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.08% | 0.09% | 0.46% | 1.20% | Beats 76% | 140 / 581 | | |
| Net Charge-Offs / Loans | 0.02% | n/a | 0.01% | 0.06% | Beats 41% | 344 / 581 | | |
| Capital |
| Tier 1 Capital Ratio | 13.63% | 11.24% | 13.84% | 18.77% | Beats 48% | 324 / 629 | | |
| Total Risk-Based Capital Ratio | 13.63% | 11.58% | 14.43% | 19.66% | Beats 44% | 354 / 629 | | |
| Equity / Assets | 11.45% | 9.09% | 10.65% | 13.80% | Beats 59% | 260 / 629 | | |
| Liquidity & Funding |
| Loans / Deposits | 53.71% | 67.24% | 80.90% | 93.48% | 13th pctl | 515 / 594 | | |
| Loans / Assets | 45.72% | 53.31% | 67.71% | 78.15% | 17th pctl | 522 / 629 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |