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Peoples Independent Bank

$100M-$1B Specialty: Commercial AL FDIC cert 27233

Boaz, AL

9 branches across AL

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 63 in AL.
  • Deposits +5.1% year over year ($441.3M on the books).
  • Delinquency rate 0.30%.
  • Return on assets 1.60%.
  • Efficiency ratio 56.63% vs a 64.48% peer average.
  • Loan-to-deposit ratio 42.55% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 63 in AL
View $100M-$1B leaderboard (AL) →

Peoples Independent Bank has 3 strengths but faces 2 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + ROA 0.27% above tier average
  • + Efficiency Ratio 7.85% below tier average
  • + Delinquency Rate 0.61% below tier average

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 24.9% in tier
  • - Net Interest Margin 0.43% below tier average
Get updates when Peoples Independent Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (AL) National Avg Tier Percentile
Total Assets ? $485.7M
+5.2% YoY +0.0% QoQ
+$99.1M $386.6M
+1.2% YoY
$2.5B
+1.5% YoY
$6.3B
+7.7% YoY
70%
Total Loans ? $187.8M
-1.2% YoY -5.3% QoQ
-$70.6M $258.3M
+1.7% YoY
$1.6B
+2.8% YoY
$3.2B
+9.4% YoY
45%
Total Deposits ? $441.3M
+5.1% YoY -0.2% QoQ
+$114.6M $326.7M
+0.7% YoY
$2.1B
+0.3% YoY
$4.9B
+7.3% YoY
74%
Return on Assets ? 1.60%
-2.1% YoY +2.8% QoQ
+0.27% 1.32%
+10.8% YoY
0.89%
-13.0% YoY
1.30%
+12.1% YoY
71%
Net Interest Margin ? 3.56%
-5.5% YoY -0.8% QoQ
-0.43% 3.99%
+5.0% YoY
4.02%
+3.4% YoY
3.95%
+4.9% YoY
30%
Efficiency Ratio ? 56.63%
+2.4% YoY -6.6% QoQ
-7.85% 64.48%
-3.2% YoY
69.53%
+4.0% YoY
70.05%
+2.5% YoY
68%
Delinquency Rate ? 0.30%
+62.3% YoY +11.8% QoQ
-0.61% 0.92%
+15.7% YoY
1.13%
+25.5% YoY
0.98%
+16.3% YoY
57%
Loan-to-Deposit Ratio ? 42.55%
-6.0% YoY -5.1% QoQ
-35.40% 77.95%
+1.0% YoY
67.62%
+0.9% YoY
79.03%
+2.3% YoY
Top 5.1% in tier
Non-Interest-Bearing Deposit Share ? 19.68%
-8.0% YoY -6.8% QoQ
-2.35% 22.03%
-0.6% YoY
24.04%
+0.1% YoY
21.98%
-0.6% YoY
44%
Nonperforming Asset Ratio ? 0.12%
+52.4% YoY +5.9% QoQ
-0.55% 0.67%
+16.4% YoY
0.74%
+25.2% YoY
0.69%
+15.8% YoY
69%
Tier 1 Capital Ratio ? 14.06%
-3.9% YoY -2.4% QoQ
-1.85% 15.91%
+1.4% YoY
15.01%
+1.3% YoY
17.09%
+0.8% YoY
58%
Non-Interest Income / Assets ? 0.23%
-12.5% YoY +103.8% QoQ
-0.34% 0.57%
+7.6% YoY
0.35%
-14.4% YoY
0.66%
+5.2% YoY
58%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (AL) National Avg Tier Percentile
Noninterest-Bearing 19.7%
-1.7pp YoY
-1.4pp QoQ
 -2.5pp 22.1% 24.0% 22.2% 44%
Brokered Deposits 0.7%
0.0pp YoY
0.0pp QoQ
 -7.1pp 7.9% 5.5% 8.5% 14%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (AL) National Avg Tier Percentile
C&I 9.4%
-3.9pp YoY
+0.2pp QoQ
 -2.2pp 11.6% 16.9% 12.5% 48%
CRE 57.5%
+3.0pp YoY
-3.1pp QoQ
 +17.9pp 39.5% 43.5% 41.4% 82%
1-4 Family 23.7%
+1.6pp YoY
+2.2pp QoQ
 -8.9pp 32.6% 30.6% 31.3% 38%
Consumer 2.7%
-0.2pp YoY
+0.1pp QoQ
 -1.4pp 4.1% 5.7% 5.0% 56%

Capital

Metric Current vs Tier Tier Avg State Avg (AL) National Avg Tier Percentile
CET1 Ratio 14.1%
-0.6pp YoY
-0.3pp QoQ
 -4.8pp 18.8% 15.1% 19.7% 40%
Leverage Ratio 9.4%
-0.2pp YoY
-0.1pp QoQ
 -2.8pp 12.2% 13.2% 12.6% 19%
Total Capital Ratio 14.7%
-0.6pp YoY
-0.4pp QoQ
 -5.3pp 19.9% 16.2% 20.8% 34%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (AL) National Avg Tier Percentile
Full-Time Employees 78
-6 (-7.1%) YoY
-5 (-6.0%) QoQ
 +19 58 304 482 76%
Assets per Employee ($) $6.2M
+13.3% YoY
+6.4% QoQ
 -$1.3M $7.5M $6.9M $8.8M 38%
Branch Count 9
0 YoY
0 QoQ
 +4 4 20 18 86%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (AL) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.2% 0.4% n/a
Nonaccrual 0.3%
+0.2pp YoY
0.0pp QoQ
 -0.6pp 0.9% 1.2% 1.0% 38%
Allowance Coverage 3.12x
-42.2% YoY
-6.2% QoQ
 -21.04x 24.15x 7.50x 20.23x 60%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.3% 0.2% 62%

Profitability

Metric Current vs Tier Tier Avg State Avg (AL) National Avg Tier Percentile
ROE 19.0%
-1.0pp YoY
+0.5pp QoQ
 +6.8pp 12.2% 10.0% 11.6% 85%
Cost of Funds (YTD) 1.9%
-0.1pp YoY
0.0pp QoQ
 +0.2pp 1.7% 1.7% 1.7% 64%
Net Income ($, YTD) $3.9M
+3.3% YoY
— QoQ
 +$1.3M $2.6M $17.2M $40.4M 79%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (1)

Credit Quality Pressure

risk
#314 of 1256 • Bottom 24.9% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.30%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (1 metrics)

136
Loan-to-Deposit Ratio
liquidity
Value: 42.55%
Peer Median: 77.95%
#136 of 2643 Top 5.1% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available
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