Peoples Independent Bank
Total assets
$485.7M
▲ +5.2% YoY
Deposits
$441.3M
▲ +5.1% YoY
Loans
$187.8M
▼ -1.2% YoY
Offices
9
PEOPLES IND BANCSHARES INC
ROA (annualized)
1.60%
peers 1.24%
ROE (annualized)
19.04%
peers 11.87%
Peer comparison 1,900 banks with 100M-500M in assets
| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.2% | +4.4% | +0.9 pts |
| Deposit growth (YoY) | +5.1% | +4.0% | +1.2 pts |
| Loan growth (YoY) | -1.2% | +5.6% | -6.8 pts |
| ROA | 1.60% | 1.24% | +0.4 pts |
| ROE | 19.0% | 11.9% | +7.2 pts |
ROA ranks in the 71st percentile of its peer group · Q2 2026
Profile
- Established
- 1988
- Charter
- State
- Primary regulator
- FDIC
- Holding company
- PEOPLES IND BANCSHARES INC
- Specialization
- Commercial Lending Specialization
- Address
- 121 Billy B. Dyar Boulevard, Boaz, AL, 35957
- County
- Marshall
- Metro area
- Albertville, AL
- Offices
- 9
- FDIC cert #
- 27233
- RSSD ID
- 1188987
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $485.7M | $441.3M | $187.8M | $40.9M | $3.9M | 1.60% | 3.56% | 0.12% |
| Q1 2026 | $485.6M | $442.3M | $198.2M | $39.8M | $1.9M | 1.55% | 3.59% | 0.11% |
| Q4 2025 | $476.6M | $432.1M | $196.2M | $40.8M | $7.7M | 1.66% | 3.83% | 0.06% |
| Q3 2025 | $476.0M | $432.5M | $201.0M | $39.5M | $5.7M | 1.64% | 3.83% | 0.06% |
| Q2 2025 | $461.6M | $419.9M | $190.0M | $37.8M | $3.7M | 1.63% | 3.77% | 0.08% |
| Q1 2025 | $458.1M | $416.8M | $188.5M | $37.6M | $1.8M | 1.57% | 3.73% | 0.11% |
| Q4 2024 | $452.2M | $412.0M | $190.0M | $36.4M | $8.4M | 1.87% | 3.97% | 0.17% |
| Q3 2024 | $442.0M | $400.0M | $188.8M | $37.9M | $6.4M | 1.89% | 3.95% | 0.18% |
Loan mix (Q2 2026): real estate $156.7M · commercial $17.6M · consumer $5.1M · securities $136.2M
Ratio pack Q2 2026 · peer medians from 1900 institutions
Profitability
| Ratio | Peoples Independent Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.60% | 1.24% | 71th | |
Return on equity Annualized net income ÷ equity or net worth | 19.0% | 11.9% | 85th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.56% | 3.96% | 30th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 56.6% | 62.9% | 31th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Peoples Independent Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Peoples Independent Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Peoples Independent Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Peoples Independent Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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