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Bank Independent
Sheffield, AL·FDIC Cert #16604·Charter: STATE·Est. 19470802.0·HC: BANCINDEPENDENT INC
Total Assets
$3.0B
Q4 2025
Return on Assets
1.01%
+0.01%Peer avg: 1.23%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
71.60%
Peer avg: 58.2%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
59
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.01%+0.01
ROE
11.51%+0.07
Efficiency
71.60%-0.46
Equity/Assets
0.00%+0.00
NPL Ratio
0.18%-0.01
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
68.12%-5.05
Charge-offs
0.15%+0.01
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 0.8 | 0.9 | 0.9 | 0.9 | 0.9 | 1.0 | 1.0 | 1.0 |
| ROE | 10.1 | 10.6 | 11.4 | 11.4 | 10.7 | 11.6 | 11.4 | 11.5 |
| Efficiency | 73.3 | 73.5 | 72.1 | 72.7 | 74.8 | 72.5 | 72.1 | 71.6 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.5 | 0.3 | 0.3 | 0.4 | 0.3 | 0.2 | 0.2 | 0.2 |
| Charge-offs | 0.2 | 0.2 | 0.2 | 0.2 | 0.1 | 0.1 | 0.1 | 0.2 |
| Loan/Deposit | 76.6 | 77.2 | 79.5 | 75.5 | 76.9 | 76.6 | 73.2 | 68.1 |
Balance Sheet
Total Assets$3.0B
Total Deposits$2.6B
Total Loans$1.8B
Total Equity$266.6M
Profitability
ROA1.01%
ROE11.51%
Efficiency Ratio71.60%
Net Income$28.9M
Risk & Asset Quality
NPL Ratio0.18%
Charge-off Rate0.15%
Loan/Deposit68.12%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans