FDIC Cert #58357 · Opp, Alabama · Est. 2006

Southern Independent Bank - FDIC Bank Health Profile

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

Compiled from official public sources by the publisher.
$396M
Total assets
A
Health grade · Excellent
1.07%
Return on assets
21.4%
Tier 1 capital

Data updated July 2026

The verdict

Southern Independent Bank earns a PlainBankData health grade of A (92/100), with well-capitalized at 21.38% Tier 1, profitable at 1.07% ROA, efficient (58% cost ratio).

#2,095
largest of 4,313 FDIC banks by assets
51st
percentile by asset size, nationally
21.38%
Tier 1 ratio - above the 10% well-capitalized line
48th
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 58357 · AL A · 92/100

GRADE-A · UPPER-Q · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-PAR · SIZE-MID · BOOK-FULL

  • GRADE-A A (92/100)
  • UPPER-Q #633/4307
  • PHOTO-FINISH John Marshall Bank · VA
  • TIER1-WELL 21.4% Tier 1
  • TEXAS-CLEAN 0.2% Texas
  • ROA-PAR 1.07% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Alabama: John Marshall Bank, VA (±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 Southern Independent Bank

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

Morgan Stanley Bank,… · UT ·…100/100Bank of Lexington, I… · KY ·…92/100Chain Bridge Bank, N… · VA ·…92/100John Marshall Bank · VA · ne…92/100PeopleFirst Bank · IL · near92/100Southern Independent… · AL ·…92/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Southern Independent Bank · July 2026

What Southern Independent Bank's Call Report plate shows

Southern Independent Bank (FDIC Cert #58357) carries a PlainBankData health grade of A at 92/100, 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 #633 of 4,307. Tier 1 capital prints at 21.38%, clearing the 10% well-capitalized line. The Texas Ratio is 0.25%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.07%. Balance-sheet scale is $396M, 2,095th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is John Marshall Bank (VA), 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 Southern Independent Bank

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

Southern 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; Southern 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 Southern Independent Bank's 92/100 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 avg77/10092/100
Southern Independent Bank's composite health score
Tier 1 Capital Ratio (21.38%) 40/40
Return on Assets (ROA) (1.07%) 20/25
Texas Ratio (0.25%) 20/20
Efficiency Ratio (58.16%) 12/15

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

Balance sheet at a glance

Total Assets

$396M

Total balance-sheet footings

Total Deposits

$338M

Customer-funded liabilities

Net Loans

$174M

Outstanding loan book

Net Income

$4M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 5% 10% 15% 20% 25% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 19.98% 21.38% 22.78%
Basel III capital ratios - Southern Independent Bank

Where Southern Independent Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Southern Independent Bank's score of 92/100 falls in the highlighted band.

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

0-100 composite health score, FDIC Call Reports

92 Top 15% higher than 85% 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. Southern 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

Southern 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). Southern Independent Bank's $396M falls in the highlighted band.

Safety ratios for Southern Independent Bank

Tier 1 capital ratio
Well-capitalized 10%

21.38% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
21.38%
Texas Ratio
0.25%
Equity Capital
$44M

What these ratios mean →

Earnings posture at Southern Independent Bank

Return on Assets (ROA)
48th percentile nationally
1.07%
Return on Equity (ROE)
9.91%
Efficiency Ratio
58.16%

What these mean →

Income & expense at Southern Independent Bank

$19M
Interest Income
$2M
Non-Interest Income
$8M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Southern Independent Bank reports a Texas Ratio of 0.25% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

0.25% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Southern 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 ($396M here), outside Alabama so the neighborhood is not state containment.

Little Horn State Bank $396M · MT Bank of Commerce & Trust Co. $396M · LA Anchor D Bank $395M · OK TCM Bank $395M · FL

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Southern Independent Bank (FDIC Cert #58357) - 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.

Southern 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%