BANK INDEPENDENT

FDIC #16604 · AL · period 20260630

Download full PDF Download full Excel Download compact PDF Download compact Excel Return to profile

Total assets1,241,642-8.68% YoY

Total deposits1,076,932-7.31% YoY

Net loans and leases961,460-11.59% YoY

Return on assets0.77%-6.82% YoY

Return on equity7.45%-10.78% YoY

Net interest margin5.37%+0.58% YoY

Peer position

Return on assets12thopportunity · n=902

Return on equity14thopportunity · n=894

Net interest margin88thstrength · n=902

Equity to assets47thin line · n=894

Noncurrent loans77thstrength · n=887

Liquid assets66thin line · n=895

Brokered deposits59thin line · n=890

Loans to deposits77thstrength · n=890

Ten-year reported history

Period	Assets	Deposits	Loans	ROA	ROE	NIM
2016-03-31	1,241,642	1,076,932	961,460	0.77	7.45	5.37
2016-06-30	1,223,537	1,056,955	1,010,150	0.84	8.09	5.50
2016-09-30	1,284,863	1,114,342	1,042,316	0.92	8.87	5.55
2016-12-31	1,338,709	1,146,347	1,057,082	0.93	9.05	5.51
2017-03-31	1,359,650	1,161,816	1,087,505	0.83	8.35	5.34
2017-06-30	1,389,493	1,179,111	1,142,841	0.95	9.51	5.47
2017-09-30	1,421,217	1,189,053	1,188,398	1.01	10.14	5.57
2017-12-31	1,490,279	1,260,223	1,188,717	0.90	9.11	5.60
2018-03-31	1,502,753	1,266,857	1,202,538	1.18	12.48	5.58
2018-06-30	1,538,999	1,267,332	1,243,645	1.23	13.03	5.65
2018-09-30	1,577,915	1,302,726	1,249,189	1.27	13.40	5.70
2018-12-31	1,597,704	1,348,183	1,244,087	1.34	14.07	5.78
2019-03-31	1,680,544	1,396,101	1,264,442	1.35	14.03	5.84
2019-06-30	1,671,518	1,385,862	1,289,356	1.35	13.95	5.80
2019-09-30	1,706,599	1,408,997	1,283,005	1.45	14.90	5.81
2019-12-31	1,735,234	1,431,534	1,241,802	1.31	13.52	5.71
2020-03-31	1,737,251	1,431,398	1,248,369	0.83	8.66	5.07
2020-06-30	1,914,313	1,604,407	1,297,256	0.67	7.18	4.75
2020-09-30	1,917,515	1,622,290	1,330,398	0.93	10.02	4.67
2020-12-31	2,017,030	1,721,457	1,276,758	0.96	10.49	4.68
2021-03-31	2,099,807	1,798,265	1,298,656	0.90	10.64	4.25
2021-06-30	2,114,596	1,805,823	1,275,878	0.95	11.25	4.25
2021-09-30	2,191,685	1,882,057	1,283,445	0.95	11.22	4.23
2021-12-31	2,229,522	1,918,616	1,313,633	0.92	10.96	4.17
2022-03-31	2,272,473	1,963,871	1,350,620	0.59	7.30	3.96
2022-06-30	2,269,802	1,958,946	1,456,341	0.81	10.24	4.20
2022-09-30	2,267,115	1,944,864	1,526,751	0.99	12.57	4.50
2022-12-31	2,369,774	1,928,368	1,602,262	1.12	14.35	4.68
2023-03-31	2,482,903	2,064,946	1,689,786	1.02	13.08	5.02
2023-06-30	2,480,144	2,117,634	1,726,485	1.03	13.01	4.97
2023-09-30	2,539,177	2,146,350	1,757,612	1.01	12.76	4.87
2023-12-31	2,672,561	2,266,966	1,744,010	1.01	12.70	4.90
2024-03-31	2,715,185	2,332,394	1,787,576	0.81	10.06	4.62
2024-06-30	2,705,206	2,312,900	1,784,980	0.86	10.55	4.68
2024-09-30	2,734,171	2,327,771	1,850,835	0.94	11.37	4.76
2024-12-31	2,814,773	2,408,671	1,818,901	0.95	11.41	4.76
2025-03-31	2,787,828	2,392,308	1,840,705	0.92	10.73	4.75
2025-06-30	2,782,071	2,384,968	1,827,962	1.01	11.60	4.89
2025-09-30	2,861,338	2,473,921	1,810,091	1.01	11.44	4.92
2025-12-31	3,009,302	2,622,590	1,786,432	1.01	11.51	4.87
2026-03-31	2,950,523	2,561,362	1,815,547	0.93	9.88	4.85
2026-06-30	2,860,149	2,465,650	1,833,827	0.63	6.52	4.53

Structure and branch footprint

34 current branch locations across 1 states as of 2026-08-22. This is an annual branch-location count, not deposit market share.

Date	Code	Predecessor RSSD	Successor RSSD
2008-12-06	1	555238	539032
1982-12-01	1	304931	539032

Reviewed intelligence

No reviewed or published intelligence is linked to this institution.

Scope and limitations

Financial facts are scoped to the FDIC-insured bank. NIC transformations use the linked RSSD identity; SEC issuer and bank-holding-company facts are not silently combined. Branch data follows its annual source cadence. Intelligence appears only after review or publication.