Peoples Independent Bank

BankBoaz, Alabama
http://www.pibonline.com

Total Assets

$476.6M

Total Deposits

$432.1M

Branches

9

Established

1988

TFS Health Grade

$
C-

72.2 / 100

Average financial health

How we grade

Peoples Independent Bank is a bank headquartered in Boaz, Alabama, established in 1988. With $476.6M in total assets and 9 branch locations, it has a TFS Financial Health Grade of C- (72.2/100).

Capital & Safety

Tier 1 Capital Ratio
9.47%(8%)
Total Capital Ratio
16.23%(10%)
Non-Performing Loan Ratio
0.16%

Profitability

Return on Assets (ROA)
1.66%(1%)
Return on Equity (ROE)
20.05%(10%)
Net Interest Margin
3.83%
Efficiency Ratio
55.15%(60%)

Lending & Liquidity

Total Loans
$198.2M
Loan-to-Deposit Ratio
45.41%
Net Charge-Off Ratio
0.03%

Growth

Asset Growth (YoY)
+5.39%
Deposit Growth (YoY)
+4.87%
Net Income
$7.7M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

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