Southern Independent Bank

BankOpp, Alabama
http://www.southernindependentbank.com

Total Assets

$395.6M

Total Deposits

$337.8M

Branches

3

Established

2006

TFS Health Grade

$
C

75.5 / 100

Average financial health

How we grade

Southern Independent Bank is a bank headquartered in Opp, Alabama, established in 2006. With $395.6M in total assets and 3 branch locations, it has a TFS Financial Health Grade of C (75.5/100).

Capital & Safety

Tier 1 Capital Ratio
13.34%(8%)
Total Capital Ratio
22.45%(10%)
Non-Performing Loan Ratio
0.06%

Profitability

Return on Assets (ROA)
1.07%(1%)
Return on Equity (ROE)
9.91%(10%)
Net Interest Margin
3.18%
Efficiency Ratio
58.16%(60%)

Lending & Liquidity

Total Loans
$175.9M
Loan-to-Deposit Ratio
51.49%
Net Charge-Off Ratio
0.00%

Growth

Asset Growth (YoY)
+4.84%
Deposit Growth (YoY)
+3.71%
Net Income
$4.1M

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.

Other banks in Alabama