BlastPoint's Banking Scorecard
Southern Independent Bank
Designations: ✓ CDFI-certified
Opp, AL
3 branches across AL
Southern Independent Bank has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 7.08% below tier average
- + Delinquency Rate 0.81% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.06% below tier average
- - Net Interest Margin 0.71% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$402.9M
+7.1% YoY
+1.8% QoQ
|
+$16.8M |
$386.1M
+0.5% YoY
|
$2.5B
+0.2% YoY
|
$6.2B
+9.1% YoY
|
62% |
| Total Loans ? |
$176.9M
+6.3% YoY
+1.7% QoQ
|
-$78.8M |
$255.7M
+1.1% YoY
|
$1.5B
+2.4% YoY
|
$3.2B
+10.8% YoY
|
43% |
| Total Deposits ? |
$345.3M
+7.1% YoY
+2.2% QoQ
|
+$17.3M |
$328.0M
+0.1% YoY
|
$2.1B
-0.2% YoY
|
$4.8B
+8.2% YoY
|
62% |
| Return on Assets ? |
1.21%
+29.4% YoY
+12.6% QoQ
|
-0.06% |
1.27%
+12.9% YoY
|
0.78%
-19.5% YoY
|
1.23%
+13.4% YoY
|
50% |
| Net Interest Margin ? |
3.22%
+8.1% YoY
+1.0% QoQ
|
-0.71% |
3.93%
+6.0% YoY
|
3.99%
+5.2% YoY
|
3.89%
+5.7% YoY
|
18% |
| Efficiency Ratio ? |
58.21%
+1.2% YoY
+0.1% QoQ
|
-7.08% |
65.29%
-4.5% YoY
|
72.13%
+5.1% YoY
|
66.95%
-4.1% YoY
|
65% |
| Delinquency Rate ? |
0.08%
-79.5% YoY
+14.7% QoQ
|
-0.81% |
0.89%
+18.8% YoY
|
1.09%
+24.8% YoY
|
0.95%
+18.8% YoY
|
76% |
| Loan-to-Deposit Ratio ? |
51.23%
-0.7% YoY
-0.5% QoQ
|
-25.41% |
76.64%
+0.8% YoY
|
67.08%
+2.0% YoY
|
76.70%
+0.9% YoY
|
Top 10.6% in tier |
| Non-Interest-Bearing Deposit Share ? |
26.20%
+6.0% YoY
+8.4% QoQ
|
+4.18% |
22.02%
-1.0% YoY
|
23.89%
+0.0% YoY
|
22.01%
-1.2% YoY
|
70% |
| Nonperforming Asset Ratio ? |
0.03%
-79.6% YoY
+14.6% QoQ
|
-0.60% |
0.64%
+19.7% YoY
|
0.71%
+24.8% YoY
|
0.67%
+19.3% YoY
|
81% |
| Tier 1 Capital Ratio ? |
13.51%
-3.7% YoY
-36.8% QoQ
|
-2.32% |
15.83%
+1.5% YoY
|
16.96%
+13.8% YoY
|
17.06%
+0.8% YoY
|
52% |
| Non-Interest Income / Assets ? |
0.09%
+4.2% YoY
-82.6% QoQ
|
-0.19% |
0.28%
+9.3% YoY
|
0.16%
-16.3% YoY
|
0.32%
+4.1% YoY
|
45% |
Get Full Access to Southern Independent Bank
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
Want to see an example first? Preview JPMorgan Chase's scorecard →
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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.