BlastPoint's Banking Scorecard
Independent Bank
Designations: ✓ Community bank
Memphis, TN
12 branches across TN · FL · TX
Independent Bank has 3 strengths but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 35.8% in tier
- + Net Interest Margin 0.81% above tier average
- + Delinquency Rate 0.61% below tier average
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 23.7% in tier
- - Capital Thin: Bottom 47.1% in tier
- - ROA 0.10% below tier average
- - Efficiency Ratio 0.67% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.7B
+7.2% YoY
-4.3% QoQ
|
-$1.1B |
$2.8B
-0.1% YoY
|
$2.8B
+35.7% YoY
|
$6.2B
+9.1% YoY
|
42% |
| Total Loans ? |
$1.3B
+6.5% YoY
+0.4% QoQ
|
-$664.2M |
$2.0B
+0.6% YoY
|
$2.0B
+36.6% YoY
|
$3.2B
+10.8% YoY
|
47% |
| Total Deposits ? |
$1.4B
+7.9% YoY
-3.2% QoQ
|
-$917.2M |
$2.3B
-0.3% YoY
|
$2.4B
+35.2% YoY
|
$4.8B
+8.2% YoY
|
43% |
| Return on Assets ? |
1.26%
+34.9% YoY
+3.0% QoQ
|
-0.10% |
1.37%
+19.6% YoY
|
1.12%
+20.1% YoY
|
1.23%
+13.4% YoY
|
54% |
| Net Interest Margin ? |
4.63%
+8.4% YoY
+2.5% QoQ
|
+0.81% |
3.82%
+6.9% YoY
|
3.93%
+7.0% YoY
|
3.89%
+5.7% YoY
|
Top 9.4% in tier |
| Efficiency Ratio ? |
61.73%
-8.5% YoY
+1.3% QoQ
|
+0.67% |
61.06%
-4.6% YoY
|
66.13%
-5.5% YoY
|
66.95%
-4.1% YoY
|
43% |
| Delinquency Rate ? |
0.28%
-11.9% YoY
+10.6% QoQ
|
-0.61% |
0.89%
+14.1% YoY
|
0.68%
+13.4% YoY
|
0.95%
+18.8% YoY
|
72% |
| Loan-to-Deposit Ratio ? |
91.20%
-1.3% YoY
+3.7% QoQ
|
+7.00% |
84.20%
+0.3% YoY
|
79.84%
+2.1% YoY
|
76.70%
+0.9% YoY
|
34% |
| Non-Interest-Bearing Deposit Share ? |
13.82%
-10.2% YoY
+3.2% QoQ
|
-7.47% |
21.29%
-2.5% YoY
|
18.48%
-3.8% YoY
|
22.01%
-1.2% YoY
|
23% |
| Nonperforming Asset Ratio ? |
0.81%
+21.1% YoY
+14.6% QoQ
|
+0.14% |
0.67%
+15.6% YoY
|
0.56%
+16.1% YoY
|
0.67%
+19.3% YoY
|
26% |
| Tier 1 Capital Ratio ? |
10.62%
-2.5% YoY
+1.6% QoQ
|
-4.54% |
15.16%
+2.0% YoY
|
14.23%
-1.0% YoY
|
17.06%
+0.8% YoY
|
Bottom 11.0% in tier |
| Non-Interest Income / Assets ? |
0.39%
+18.4% YoY
-74.4% QoQ
|
+0.13% |
0.26%
+1.6% YoY
|
0.17%
-1.0% YoY
|
0.32%
+4.1% YoY
|
Top 8.9% in tier |
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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 (1)
Revenue Diversifier
growthTop-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Concerns (2)
Liquidity Strain
riskLoan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Capital Thin
riskTier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.