Peoples Independent Bank (FDIC #27233): Bank Stress & Real-Estate Credit Exposure
Peoples Independent Bank (FDIC Cert #27233): bank stress 64/100, elevated, STABLE over 7 days; parent PEOPLES IND BANCSHARES INC.
Peoples Independent Bank (#27233) lends in 6 counties across 1 state; Peoples Independent Bank (#27233) reaches 99 ZIP codes: Alabama 6 counties, 99 ZIPs.
Peoples Independent Bank (#27233) largest markets: Madison County, AL (25 branches, 25 ZIPs) (#27233), Dekalb County, AL (72 branches, 24 ZIPs) (#27233), Jackson County, AL (22 branches, 22 ZIPs) (#27233), Marshall County, AL (36 branches, 18 ZIPs) (#27233), St. Clair County, AL (18 branches, 18 ZIPs) (#27233), Etowah County, AL (15 branches, 15 ZIPs) (#27233).
Peoples Independent Bank (#27233) reports $485.7 million in total assets; Peoples Independent Bank (#27233) equity $40.9 million (8.4% of Peoples Independent Bank (#27233) assets); Peoples Independent Bank (#27233) domestic deposits $441.3 million; Peoples Independent Bank (#27233) net income $3.9 million; Peoples Independent Bank (#27233) return on assets 1.60%; Peoples Independent Bank (#27233) return on equity 19.04%; Peoples Independent Bank (#27233) net interest income $8.0 million; Peoples Independent Bank (#27233) call report June 30, 2026.
Peoples Independent Bank (#27233) noncurrent real-estate loans: none reported; Peoples Independent Bank (#27233) net charge-offs on real estate 0.21%.
Peoples Independent Bank (#27233) net interest margin 3.56% against an eight-quarter Peoples Independent Bank (#27233) average of 3.78% (Peoples Independent Bank (#27233) compression 0.22 points); Peoples Independent Bank (#27233) rate-exposure score 40/100, Peoples Independent Bank (#27233) fixed-rate trap 40/100; Peoples Independent Bank (#27233) risk type credit driven; Peoples Independent Bank (#27233) rate regime rates elevated, Peoples Independent Bank (#27233) snapshot October 19, 2026.
Peoples Independent Bank (#27233) stress score moved from 64.5 on June 22, 2026 to 64.2 on October 19, 2026; Peoples Independent Bank (#27233) ranged 64.2 to 64.5 over 116 snapshots.
Peoples Independent Bank (#27233) alerts: 6 counties; top Peoples Independent Bank (#27233) alert scores: Gadsden County, AL 23 (low); Gurley County, AL 23 (low); Horton County, AL 23 (low); Scottsboro County, AL 23 (low); Steele County, AL 23 (low).