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Southern Independent Bank
Opp, AL · FDIC Certificate #58357 · Chartered 12/0
Total assets
$395.28M
Total deposits
$336.48M
Total equity
$45.25M
Net loans
$178.65M
Branches (offices)
3
Net income (YTD)
$2.21M
Rank: #2,080 of 4,213 U.S. banks by assets · #38 of 93 in Alabama. Assets changed 3.6% and deposits 3.4% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.11% |
| Return on equity | 9.94% |
| Net interest margin (YTD) | 3.29% |
| Equity to assets | 11.45% |
| Tier 1 leverage ratio | 13.63% |
| Uninsured deposits (share of deposits) | 19.5% |
| Noncurrent loans (share of loans) | 0.08% |
| Net charge-offs (share of loans) | 0.04% |
| Loans to deposits | 53.1% |
| Real estate loans (share of loans) | 78.0% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $139.43M | 78.0% | |
| Commercial & industrial | $29.11M | 16.3% | |
| Consumer / individual | $6.66M | 3.7% | |
| Construction & development | $38.69M | 21.7% | |
| Agricultural | $2.27M | 1.3% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $332.78M | $300.69M | $1.55M | $25.04M |
| Jun 2023 | $337.83M | $291.73M | $1.85M | $30.23M |
| Jun 2024 | $359.15M | $310.13M | $1.40M | $36.00M |
| Jun 2025 | $381.55M | $325.46M | $2.26M | $42.61M |
| Jun 2026 | $395.28M | $336.48M | $2.21M | $45.25M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Alabama | $336.48M | 3 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $336.48M.
Similar-sized banks
Ascendia Bank ($395.30M) · Citizens Bank Of The South ($395.07M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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