BlastPoint's Banking Scorecard
Peoples Independent Bank
Micro
Specialty: Commercial
AL
FDIC cert 27233
Designations: ✓ Community bank
Boaz, AL
2498
banks in Micro tier nationally
65 in AL
View Micro leaderboard (AL) →
Peoples Independent Bank faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 29.12% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$476.6M
+5.4% YoY
+0.1% QoQ
|
+$259.1M |
$217.5M
+2.3% YoY
|
$2.4B
+1.3% YoY
|
$5.9B
+6.5% YoY
|
Top 3% in tier |
| Total Loans ? |
$196.2M
+3.2% YoY
-2.4% QoQ
|
+$57.0M |
$139.2M
+2.8% YoY
|
$1.5B
-0.1% YoY
|
$3.1B
+8.5% YoY
|
73% |
| Total Deposits ? |
$432.1M
+4.9% YoY
-0.1% QoQ
|
+$248.4M |
$183.7M
+1.8% YoY
|
$2.0B
+1.3% YoY
|
$4.7B
+6.3% YoY
|
Top 1% in tier |
| Return on Assets ? |
1.66%
-11.4% YoY
+1.0% QoQ
|
+0.57% |
1.08%
+14.7% YoY
|
1.11%
+4.4% YoY
|
1.12%
+15.6% YoY
|
81% |
| Net Interest Margin ? |
3.83%
-3.6% YoY
+0.1% QoQ
|
-0.02% |
3.85%
+6.6% YoY
|
3.94%
+3.2% YoY
|
3.75%
+7.1% YoY
|
51% |
| Efficiency Ratio ? |
55.15%
+6.6% YoY
+0.8% QoQ
|
-12.58% |
67.73%
-4.8% YoY
|
64.78%
-3.4% YoY
|
65.09%
-5.1% YoY
|
81% |
| Delinquency Rate ? |
0.16%
-60.2% YoY
+5.2% QoQ
|
-0.48% |
0.64%
+24.4% YoY
|
0.66%
-12.1% YoY
|
0.66%
+20.3% YoY
|
66% |
| Loan-to-Deposit Ratio ? |
45.41%
-1.6% YoY
-2.3% QoQ
|
-29.12% |
74.53%
+0.5% YoY
|
68.23%
+2.7% YoY
|
78.04%
+0.7% YoY
|
Bottom 9% in tier |
| Non-Interest-Bearing Deposit Share ? |
21.13%
-2.6% YoY
-3.4% QoQ
|
-1.26% |
22.39%
-1.3% YoY
|
24.36%
+3.3% YoY
|
21.79%
-1.3% YoY
|
48% |
| Nonperforming Asset Ratio ? |
0.06%
-61.0% YoY
+2.5% QoQ
|
-0.39% |
0.45%
+25.1% YoY
|
0.53%
+14.0% YoY
|
0.48%
+20.8% YoY
|
72% |
| Tier 1 Capital Ratio ? |
15.54%
+1.4% YoY
+4.5% QoQ
|
+6.69% |
8.85%
-3.4% YoY
|
6.46%
-12.3% YoY
|
9.75%
-1.9% YoY
|
74% |
| Non-Interest Income / Assets ? |
0.49%
-9.4% YoY
+33.8% QoQ
|
-0.07% |
0.56%
+0.3% YoY
|
0.77%
+11.5% YoY
|
0.65%
+0.6% YoY
|
68% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Loan-to-Deposit Ratio
metric
Bottom 9%
in Micro
Why this stands out
Current:
45.41%
(Tier avg: 74.53%, National avg: 78.04%)
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
99
99th pctile
Total Deposits
Current: $432.1M · Tier avg: $183.7M
97
97th pctile
Total Assets
Current: $476.6M · Tier avg: $217.5M
81
81th pctile
Return on Assets
Current: 1.66% · Tier avg: 1.08%
81
81th pctile
Efficiency Ratio
Current: 55.15% · Tier avg: 67.73%
74
74th pctile
Tier 1 Capital Ratio
Current: 15.54% · Tier avg: 8.85%
73
73th pctile
Total Loans
Current: $196.2M · Tier avg: $139.2M
72
72th pctile
Nonperforming Asset Ratio
Current: 0.06% · Tier avg: 0.45%
68
68th pctile
Non-Interest Income / Assets
Current: 0.49% · Tier avg: 0.56%
66
66th pctile
Delinquency Rate
Current: 0.16% · Tier avg: 0.64%
51
51th pctile
Net Interest Margin
Current: 3.83% · Tier avg: 3.85%
48
48th pctile
Non-Interest-Bearing Deposit Share
Current: 21.13% · Tier avg: 22.39%
9
9th pctile
Loan-to-Deposit Ratio
Current: 45.41% · Tier avg: 74.53%
Top Weaknesses
9
9th pctile
Loan-to-Deposit Ratio
Current: 45.41% · Tier avg: 74.53%
48
48th pctile
Non-Interest-Bearing Deposit Share
Current: 21.13% · Tier avg: 22.39%
51
51th pctile
Net Interest Margin
Current: 3.83% · Tier avg: 3.85%
66
66th pctile
Delinquency Rate
Current: 0.16% · Tier avg: 0.64%
68
68th pctile
Non-Interest Income / Assets
Current: 0.49% · Tier avg: 0.56%
72
72th pctile
Nonperforming Asset Ratio
Current: 0.06% · Tier avg: 0.45%
73
73th pctile
Total Loans
Current: $196.2M · Tier avg: $139.2M
74
74th pctile
Tier 1 Capital Ratio
Current: 15.54% · Tier avg: 8.85%
81
81th pctile
Efficiency Ratio
Current: 55.15% · Tier avg: 67.73%
81
81th pctile
Return on Assets
Current: 1.66% · Tier avg: 1.08%
97
97th pctile
Total Assets
Current: $476.6M · Tier avg: $217.5M
99
99th pctile
Total Deposits
Current: $432.1M · Tier avg: $183.7M