Bank Independent

BankSheffield, Alabama
www.bibank.com

Total Assets

$3.0B

Total Deposits

$2.6B

Branches

34

Established

1947

TFS Health Grade

$
C-

72.3 / 100

Average financial health

How we grade

Bank Independent is a bank headquartered in Sheffield, Alabama, established in 1947. With $3.0B in total assets and 34 branch locations, it has a TFS Financial Health Grade of C- (72.3/100).

Capital & Safety

Tier 1 Capital Ratio
8.73%(8%)
Total Capital Ratio
13.32%(10%)
Non-Performing Loan Ratio
0.17%

Profitability

Return on Assets (ROA)
1.01%(1%)
Return on Equity (ROE)
11.51%(10%)
Net Interest Margin
4.87%
Efficiency Ratio
71.60%(60%)

Lending & Liquidity

Total Loans
$1.8B
Loan-to-Deposit Ratio
68.12%
Net Charge-Off Ratio
0.15%

Growth

Asset Growth (YoY)
+6.91%
Deposit Growth (YoY)
+8.88%
Net Income
$28.9M

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