# SOUTHERN INDEPENDENT BANK
OPP, AL · FDIC certificate 58357 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $395.3M | |
| Deposits | $336.5M | |
| Loans and leases | $180.7M | |
| Total equity | $45.2M | |
| Loans / deposits | 53.10% (p8 of band) | 82.04% |
| Liquid assets / assets | 48.94% (p91 of band) | |
| Uninsured deposits / deposits | 19.51% (p27 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 2.28% (p43 of band) | |
| FHLB advances / assets | 2.28% | |
| Tier 1 leverage | 13.63% (p83 of band) | 10.81% |
| Unrealized securities loss / equity | -29.89% (p13 of band) | -8.10% |
| AOCI / equity | -1.74% (p10 of band) | |
| ROA (annualized) | 1.11% (p39 of band) | 1.28% |
| Net interest margin | 3.29% (p19 of band) | 3.91% |
| Efficiency ratio | 58.35% (p41 of band) | |
| Noncurrent loans | 0.08% (p22 of band) | 0.43% |
| Net charge-offs (annualized) | 0.02% (p62 of band) | |
| Reserve coverage of noncurrent | 1351.97% | |
| Real estate % of loans | 77% | |
| Construction % of loans | 85.50% (p80 of band) | |
| Auto loans | $2.5M (1.39% of loans; DQ 0.44%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 3.4% | |
| Employees | 49 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 0 |  | reserve under noncurrent |
| 2013-03 | 1 | reserve under noncurrent |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 0 |  | reserve under noncurrent |
| 2013-12 | 1 | capital falling |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 0 |  | capital falling |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 1 | uninsured deposits leaving |  |
| 2015-09 | 1 | charge-offs p90 | uninsured deposits leaving |
| 2015-12 | 2 | capital falling |  |
| 2016-03 | 0 |  | charge-offs p90, capital falling |
| 2016-06 | 0 |  |  |
| 2016-09 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2016-12 | 0 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 1 | capital falling |  |
| 2019-06 | 0 |  | capital falling |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | capital falling |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 0 |  | capital falling |
| 2021-03 | 0 |  |  |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 1 | securities losses >30% of equity |  |
| 2022-06 | 2 | AOCI drag >20% of equity |  |
| 2022-09 | 2 |  |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 1 |  | AOCI drag >20% of equity |
| 2023-06 | 2 | uninsured deposits leaving |  |
| 2023-09 | 2 |  |  |
| 2023-12 | 1 |  | uninsured deposits leaving |
| 2024-03 | 2 | capital falling |  |
| 2024-06 | 1 |  | capital falling |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 | capital falling | securities losses >30% of equity |
| 2026-03 | 1 | securities losses >30% of equity | capital falling |
| 2026-06 | 0 |  | securities losses >30% of equity |

## In the news (Google News, unfiltered, newest first; check the city)

- 2025-05-08 [NFIB Applauds Governor Ivey’s Support for Small Business - NFIB](https://news.google.com/rss/articles/CBMikAFBVV95cUxNZjhpWWc5eXJ4N2JmY1dRemF0NXdiU2ZHc2JyQU1la2lxd0xzel9VZHVuQnZpSXg2STBVb19WdVE5THZUcWplUEdaLXYtVjFXeXM3eTYzZm5aamhjc2gzT0tiRU5ZY3I5ekgzb3h1STJMa2VYS0dXOW9KWG1ZYnZMQkRpRXVHOGpFQmNmT2NCY2o?oc=5) · NFIB
- 2019-10-23 [Recognizing Southern Independent Bank for Its Community Service, Including Financial Literacy Efforts and Supporting Local Causes in Alabama - BadCredit.org](https://news.google.com/rss/articles/CBMimAFBVV95cUxONGZydTNkUy16bmpIX3lqdVNhZl96dFoxOGJjWGlDRHZxMzNGekJXRElrTzVYeERKS0xrdUhxbVBsVmk2eVloazJmQzByOHd1S2xFNzdYdTd1eEtGY3hzUUpHbnB3RGVwa2ZQanlWQ1laa1E4N0EwNi1fSkRxemZLa3pVOUVsU0tNY2xoeVJCYmQ2ZWlpUHJaZNIBngFBVV95cUxNTjdITy0wT1h4YWw5bEZhSlhwXzJJZVNlZi1ab1BIVC1GU1l4SU9URldQNkZLd1NjeXJxNmU2WWIza1ZGWFJRWXdobU52eTRsVFpMT3Z1RkVTTEE5VnFoOWl3dXdWTW83SWtyM1hTTWw2d25TcW1QOUJrYnE2VV9xZHEwaVN0cnhwZTZvUTJkZ3gxUHAwWDBUd1BhVWZadw?oc=5) · BadCredit.org
- 2018-05-12 [Wilkes retiring after 38 years in banking - The Andalusia Star-News](https://news.google.com/rss/articles/CBMikAFBVV95cUxQaVB5YnhJLXkyZkRVQlBBbGl2RVNETFdHSW9ZOUVvNkhHZUMtQ3Z0UVRMRjJrUVJtS2NRb0kyRXpMQUVmUnBheVUxZDg2Mm4tcHVjMXlvUlFqemJ2VUMxbXQyejRRbFVtbS1DRm9VME1RNkE2SExyTE1yRXdKOFNXN3B1NzZhVlJRWG5CVTJsWHM?oc=5) · The Andalusia Star-News
- 2021-01-14 [PowerSouth’s Gary Smith elected as chairman of Business Council of Alabama - Yellowhammer News](https://news.google.com/rss/articles/CBMipgFBVV95cUxPdTdya2NaOVR1NmExZFl4Z3VTSkw3cU40N0pTaTZ5czViNW1ib2RqZmxKYTFkdUZhazExaGR0Ym5QOEsxengxbEtIbXRvblZUQmplS1owMzIyY2FtSWFhSVQ5a1E3UFNCeWRpbTVReDdLSDljWkt1N1M2Y29uNG5qUWlJY2VzbUIxcVhLdHBiUTd3LUtuNDJEZnV1TjBSZWVjNGR2LVFn?oc=5) · Yellowhammer News
- 2025-06-13 [GALLERY: Opp Hall of Fame Banquet shines spotlight on city's finest - The Andalusia Star-News](https://news.google.com/rss/articles/CBMisAFBVV95cUxPYzlFaHhSNVBhTXlwZi1RTnlkY2c3bTBrei1uS0VRZVhOdi1NU0FaM3VBQzEtX3dmSWtnclktN0JsZzV4RUVHMEhJenpKMFhLNFo5RG1yNzdyYjZzSXM4TEE3N0YwNkVjbGxyMXEwYURSaHhMXzJqM0ozbG5EbDB3ZDMyemJ4ZEZtaEtKTW5HbWp0cERyZ2NBd1FYUnA4bTRZTVVZSHJNajdiZFRUT1VCUA?oc=5) · The Andalusia Star-News
- 2025-12-21 [Jack Russell Wiggins Obituary (2025) - Andalusia, AL - Foreman Brown-Service Funeral Home, Inc. - Andalusia - legacy.com](https://news.google.com/rss/articles/CBMigAFBVV95cUxPZlE1TmpiZUYxbjltc3E4dlpOc2pPTWJTZFhIMnRLbnAzYUtTd2x1MF94ZVZxdmdOVC1Kd0l6ekFqa0xnTzFJWFA5Q3Y2N19nbWJ2N3pjYjlxWUhwLVhfVFhIUXZ1TGxWUEdmXzdPOEFQRHZGemMza2RxY1M3R1NsRg?oc=5) · legacy.com
- 2023-07-13 [Jeff Peoples, Gary Smith named to workforce commission - Yellowhammer News](https://news.google.com/rss/articles/CBMiiwFBVV95cUxPX1M2QzNtR2ljdVVXc3A0TlpHU0hfRTFwWU5fb2RHV05scXFCSXNSZXdVaEY4N05JMWRLVUZCVFYtRi1lM3U3VkQ3b0R3Y0g3SjJhWUQ0dmtUOF9EcjhTc0FRbDJ0X1d3MV9TbGVReUh4NkNzSkFiXzFpZjVvbGFTWHF1WVVUamJhWXNN?oc=5) · Yellowhammer News
- 2023-07-03 [View Tanner Mock's Obituary and express your condolences - legacy.com](https://news.google.com/rss/articles/CBMiogFBVV95cUxQNGF4SWZfUlB6cTg0Z2tKNFlHY1RyQk83cjFtMEY4ckkzZ05kMmY2MVJxRTNNcm1oVmlMTk1zaF83cmd0SGxWbEVhV21aZFc5UkdiTTBrWG1yb2FSaHdRY3lPdzEtYVRSLV95bjBsVTM3N1FVWWlpS0U4azZZeHpoSjU5ZDlyNXMyRWVMUGFKVVIyZWc1LXZfano5b0NadklaOEE?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58357 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/53.json (key "58357", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide