FDIC Cert #27233 · Boaz, Alabama · Est. 1988

Peoples Independent Bank - FDIC Bank Health Profile

A community-scale look at Peoples Independent Bank's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$477M
Total assets
A
Health grade · Excellent
1.66%
Return on assets
15.5%
Tier 1 capital

Data updated July 2026

The verdict

Peoples Independent Bank earns a PlainBankData health grade of A (97/100), with well-capitalized at 15.54% Tier 1, profitable at 1.66% ROA, efficient (55% cost ratio).

#1,860
largest of 4,313 FDIC banks by assets
57th
percentile by asset size, nationally
15.54%
Tier 1 ratio - above the 10% well-capitalized line
81st
percentile for profitability (ROA), nationally

The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.

FDIC Call Report plate

Cert 27233 · AL A · 97/100

GRADE-A · TOP-DECILE · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-STRONG · SIZE-MID · BOOK-FULL

  • GRADE-A A (97/100)
  • TOP-DECILE #194/4307
  • PHOTO-FINISH Citizens Bank & Trus… · GA
  • TIER1-WELL 15.5% Tier 1
  • TEXAS-CLEAN 0.7% Texas
  • ROA-STRONG 1.66% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Alabama: Citizens Bank & Trust, Inc., GA (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Peoples Independent Bank

Lowest and highest poles plus nearest scored peers outside Alabama, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100BancFirst · OK · near97/100Burling Bank · IL · near97/100Citizens Bank & Trus… · GA ·…97/100Peoples Independent… · AL · …97/100Sumitomo Mitsui Trus… · NJ ·…97/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Peoples Independent Bank · July 2026

What Peoples Independent Bank's Call Report plate shows

Peoples Independent Bank (FDIC Cert #27233) carries a PlainBankData health grade of A at 97/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #194 of 4,307. Tier 1 capital prints at 15.54%, clearing the 10% well-capitalized line. The Texas Ratio is 0.72%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.66%. Balance-sheet scale is $477M, 1,860th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Citizens Bank & Trust, Inc. (GA), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Peoples Independent Bank

7 FAILURE resolutions in Alabama since 2000 (7 since 2008)

Peoples Independent Bank's home state sits in the middle band of post-2000 FAILURE counts (7; 7 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; Peoples Independent Bank remains an active FDIC-insured reporter.

  • ALABAMA TRUST BANK, NATIONAL ASSOCIATION SYLACAUGA, AL 2012 → SOUTHERN STATES BANK
  • SUPERIOR BANK BIRMINGHAM, AL 2011 → SUPERIOR BANK, N.A.
  • NEXITY BANK BIRMINGHAM, AL 2011 → ALOSTAR BANK OF COMMERCE

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Alabama banks.

How Peoples Independent Bank's 97/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10097/100
Peoples Independent Bank's composite health score
Tier 1 Capital Ratio (15.54%) 40/40
Return on Assets (ROA) (1.66%) 25/25
Texas Ratio (0.72%) 20/20
Efficiency Ratio (55.15%) 12/15

97 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$477M

Total balance-sheet footings

Total Deposits

$432M

Customer-funded liabilities

Net Loans

$196M

Outstanding loan book

Net Income

$8M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% 18% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 14.14% 15.54% 16.94%
Basel III capital ratios - Peoples Independent Bank

Where Peoples Independent Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Peoples Independent Bank's score of 97/100 falls in the highlighted band.

Peoples Independent Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

97 Top 5% higher than 95% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). Below this entry. 90–100: 815 FDIC-insured banks (19%). This entry sits in this band. Peoples Independent Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Peoples Independent Bank's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Peoples Independent Bank's $477M falls in the highlighted band.

Safety ratios for Peoples Independent Bank

Tier 1 capital ratio
Well-capitalized 10%

15.54% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
15.54%
Texas Ratio
0.72%
Equity Capital
$41M

What these ratios mean →

Earnings posture at Peoples Independent Bank

Return on Assets (ROA)
81st percentile nationally
1.66%
Return on Equity (ROE)
20.05%
Efficiency Ratio
55.15%

What these mean →

Income & expense at Peoples Independent Bank

$25M
Interest Income
$2M
Non-Interest Income
$11M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Peoples Independent Bank reports a Texas Ratio of 0.72% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

0.72% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Peoples Independent Bank on FDIC BankFind →

Top banks in Alabama by total assets

Largest banks headquartered in Alabama
  1. 1
    Regions Bank $157.4B

    Birmingham, AL · Grade A

  2. 2
    ServisFirst Bank $17.7B

    Birmingham, AL · Grade A

  3. 3
    River Bank & Trust $3.8B

    Prattville, AL · Grade A

  4. 4
    Bank Independent $3.0B

    Sheffield, AL · Grade B

  5. 5
    Bryant Bank $2.9B

    Tuscaloosa, AL · Grade A

Top 5 banks in Alabama ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($477M here), outside Alabama so the neighborhood is not state containment.

Springfield State Bank $477M · KY The Bank $477M · OK Century Bank and Trust $477M · MI First Federal Savings Bank of Lincoln… $477M · NC

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Peoples Independent Bank (FDIC Cert #27233) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

Peoples Independent Bank Call Report profile · FDIC Failed Bank List · Alabama FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Alabama

All Alabama banks →
BankAssetsGradeROA
Regions BankBirmingham $157.4B A 1.43%
ServisFirst BankBirmingham $17.7B A 1.58%
River Bank & TrustPrattville $3.8B A 1.18%
Bank IndependentSheffield $3.0B B 1.01%
Bryant BankTuscaloosa $2.9B A 1.69%
CB&S Bank, Inc.Russellville $2.9B C 0.85%
Oakworth Capital BankBirmingham $2.0B B 1.17%
Troy Bank & Trust CompanyTroy $1.6B A 1.34%