BlastPoint's Banking Scorecard
Bank Independent
Community
Specialty: Commercial
AL
FDIC cert 16604
Sheffield, AL
1484
banks in Community tier nationally
26 in AL
View Community leaderboard (AL) →
Bank Independent shows strong momentum with 1 strength and 6.9% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 1.21% above tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$3.0B
+6.9% YoY
+5.2% QoQ
|
+$1.6B |
$1.4B
+2.0% YoY
|
$2.4B
+1.3% YoY
|
$5.9B
+6.5% YoY
|
Top 9% in tier |
| Total Loans ? |
$1.8B
-1.8% YoY
-1.3% QoQ
|
+$811.0M |
$975.5M
+2.4% YoY
|
$1.5B
-0.1% YoY
|
$3.1B
+8.5% YoY
|
Top 14% in tier |
| Total Deposits ? |
$2.6B
+8.9% YoY
+6.0% QoQ
|
+$1.5B |
$1.2B
+1.7% YoY
|
$2.0B
+1.3% YoY
|
$4.7B
+6.3% YoY
|
Top 8% in tier |
| Return on Assets ? |
1.01%
+7.3% YoY
+0.7% QoQ
|
-0.15% |
1.16%
+17.2% YoY
|
1.11%
+4.4% YoY
|
1.12%
+15.6% YoY
|
40% |
| Net Interest Margin ? |
4.87%
+2.4% YoY
-0.9% QoQ
|
+1.21% |
3.66%
+9.1% YoY
|
3.94%
+3.2% YoY
|
3.75%
+7.1% YoY
|
Top 6% in tier |
| Efficiency Ratio ? |
71.60%
-1.5% YoY
-0.6% QoQ
|
+8.97% |
62.63%
-5.3% YoY
|
64.78%
-3.4% YoY
|
65.09%
-5.1% YoY
|
24% |
| Delinquency Rate ? |
0.18%
-53.1% YoY
-6.7% QoQ
|
-0.45% |
0.63%
+18.3% YoY
|
0.66%
-12.1% YoY
|
0.66%
+20.3% YoY
|
73% |
| Loan-to-Deposit Ratio ? |
68.12%
-9.8% YoY
-6.9% QoQ
|
-14.95% |
83.06%
+0.3% YoY
|
68.23%
+2.7% YoY
|
78.04%
+0.7% YoY
|
83% |
| Non-Interest-Bearing Deposit Share ? |
20.74%
-2.4% YoY
-4.0% QoQ
|
-0.31% |
21.05%
-0.9% YoY
|
24.36%
+3.3% YoY
|
21.79%
-1.3% YoY
|
54% |
| Nonperforming Asset Ratio ? |
0.14%
-43.7% YoY
-9.9% QoQ
|
-0.36% |
0.50%
+20.3% YoY
|
0.53%
+14.0% YoY
|
0.48%
+20.8% YoY
|
72% |
| Tier 1 Capital Ratio ? |
12.09%
+7.7% YoY
+3.7% QoQ
|
+1.85% |
10.24%
-0.6% YoY
|
6.46%
-12.3% YoY
|
9.75%
-1.9% YoY
|
48% |
| Non-Interest Income / Assets ? |
0.80%
-3.8% YoY
+29.6% QoQ
|
+0.06% |
0.74%
-1.3% YoY
|
0.77%
+11.5% YoY
|
0.65%
+0.6% YoY
|
77% |
Signature Analysis
Strengths (1)
Net Interest Margin
metric
Top 6%
in Community
Why this stands out
Current:
4.87%
(Tier avg: 3.66%, National avg: 3.75%)
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
94
94th pctile
Net Interest Margin
Current: 4.87% · Tier avg: 3.66%
92
92th pctile
Total Deposits
Current: $2.6B · Tier avg: $1.2B
91
91th pctile
Total Assets
Current: $3.0B · Tier avg: $1.4B
86
86th pctile
Total Loans
Current: $1.8B · Tier avg: $975.5M
83
83th pctile
Loan-to-Deposit Ratio
Current: 68.12% · Tier avg: 83.06%
77
77th pctile
Non-Interest Income / Assets
Current: 0.80% · Tier avg: 0.74%
73
73th pctile
Delinquency Rate
Current: 0.18% · Tier avg: 0.63%
72
72th pctile
Nonperforming Asset Ratio
Current: 0.14% · Tier avg: 0.50%
54
54th pctile
Non-Interest-Bearing Deposit Share
Current: 20.74% · Tier avg: 21.05%
48
48th pctile
Tier 1 Capital Ratio
Current: 12.09% · Tier avg: 10.24%
40
40th pctile
Return on Assets
Current: 1.01% · Tier avg: 1.16%
24
24th pctile
Efficiency Ratio
Current: 71.60% · Tier avg: 62.63%
Top Weaknesses
24
24th pctile
Efficiency Ratio
Current: 71.60% · Tier avg: 62.63%
40
40th pctile
Return on Assets
Current: 1.01% · Tier avg: 1.16%
48
48th pctile
Tier 1 Capital Ratio
Current: 12.09% · Tier avg: 10.24%
54
54th pctile
Non-Interest-Bearing Deposit Share
Current: 20.74% · Tier avg: 21.05%
72
72th pctile
Nonperforming Asset Ratio
Current: 0.14% · Tier avg: 0.50%
73
73th pctile
Delinquency Rate
Current: 0.18% · Tier avg: 0.63%
77
77th pctile
Non-Interest Income / Assets
Current: 0.80% · Tier avg: 0.74%
83
83th pctile
Loan-to-Deposit Ratio
Current: 68.12% · Tier avg: 83.06%
86
86th pctile
Total Loans
Current: $1.8B · Tier avg: $975.5M
91
91th pctile
Total Assets
Current: $3.0B · Tier avg: $1.4B
92
92th pctile
Total Deposits
Current: $2.6B · Tier avg: $1.2B
94
94th pctile
Net Interest Margin
Current: 4.87% · Tier avg: 3.66%