Bank Independent (FDIC #16604): Bank Stress & Real-Estate Credit Exposure
Bank Independent (FDIC Cert #16604): bank stress 77/100, severe, STABLE over 7 days; parent BANCINDEPENDENT INC.
Bank Independent (#16604) lends in 7 counties across 1 state; Bank Independent (#16604) reaches 77 ZIP codes: Alabama 7 counties, 77 ZIPs.
Bank Independent (#16604) largest markets: Madison County, AL (125 branches, 25 ZIPs) (#16604), Morgan County, AL (64 branches, 16 ZIPs) (#16604), Limestone County, AL (45 branches, 15 ZIPs) (#16604), Lawrence County, AL (30 branches, 10 ZIPs) (#16604), Franklin County, AL (30 branches, 10 ZIPs) (#16604), Lauderdale County, AL (70 branches, 10 ZIPs) (#16604).
Bank Independent (#16604) reports $2.86 billion in total assets; Bank Independent (#16604) equity $292.2 million (10.2% of Bank Independent (#16604) assets); Bank Independent (#16604) domestic deposits $2.47 billion; Bank Independent (#16604) net income $9.3 million; Bank Independent (#16604) return on assets 0.63%; Bank Independent (#16604) return on equity 6.52%; Bank Independent (#16604) net interest income $58.7 million; Bank Independent (#16604) call report June 30, 2026.
Bank Independent (#16604) noncurrent real-estate loans: none reported; Bank Independent (#16604) net charge-offs on real estate 0.10%; Bank Independent (#16604) residential charge-offs 0.06%.
Bank Independent (#16604) net interest margin 4.53% against an eight-quarter Bank Independent (#16604) average of 4.79% (Bank Independent (#16604) compression 0.26 points); Bank Independent (#16604) real-estate loans 0.4% of equity; Bank Independent (#16604) non-residential real estate 6.1% of equity; Bank Independent (#16604) rate-exposure score 40/100, Bank Independent (#16604) fixed-rate trap 40/100; Bank Independent (#16604) risk type credit driven; Bank Independent (#16604) rate regime rates elevated, Bank Independent (#16604) snapshot October 19, 2026.
Bank Independent (#16604) stress score moved from 70.6 on June 22, 2026 to 77.1 on October 19, 2026; Bank Independent (#16604) ranged 70.6 to 77.1 over 116 snapshots.
Bank Independent (#16604) alerts: 7 counties; top Bank Independent (#16604) alert scores: Madison County, AL 41 (moderate); Hartselle County, AL 25 (low); Moulton County, AL 25 (low); Owens Cross Roads County, AL 25 (low); Rogersville County, AL 25 (low).