🏦Bank Scorer

PEOPLES INDEPENDENT BANK

BOAZ, AL · Supervised by FDIC

Est. 1988FDIC #27,233RSSD: FDIC-27233
Part ofPEOPLES IND BANCSHARES INC→ View all charters
Satisfactory Same

Current rating · Exam: December 2024

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.55%

Institution Profile

FDIC BankFind

Address

121 Billy B. Dyar Boulevard, BOAZ, AL

County

Marshall County

Established

May 2, 1988

Total Assets

$486M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

December 1, 2024

Exam Type

Intermediate Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Dec 2028(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$486M

Total Deposits

$442M

Net Loans

$198M

Net Income

$2M

ROA

1.55%

ROE

18.54%

Risk-Based Capital

15.03%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate8.22%Peer avg: 7.63%▼ Below avg

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Branch Footprint

FDIC SOD 2025

Total Branches

9

Branch Deposits

$420M

1-Year Change

0

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20247376.71%8.22%
20237068.57%12.86%
201913151.15%26.72%
201812953.49%21.71%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

8 previous ratings locked — dating back to 1992

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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