Bank Independent

Bank Independent is a currently active commercial lending specialization banking institution headquartered in Sheffield, Alabama. Established in 08/02/1947, this institution operates under regulatory supervision and is fully insured by the FDIC.

As a financial institution, Bank Independent manages $2.95B in total assets and holds $2.56B in customer deposits. When evaluating the stability of Bank Independent, one of the most critical metrics is its Capital Cushion (Equity-to-Assets Ratio). At 9.95%, this indicates how much financial loss the bank can absorb before depositors' funds are placed at risk. A strong equity cushion is a key indicator of a bank's ability to weather economic downturns.

In terms of operational efficiency, the bank's Return on Assets (ROA) is 0.93%, while its Return on Equity (ROE) sits at 9.88%. These robust metrics contribute to an overall health score of 9.7 out of 10, signaling a well-capitalized and efficiently managed operation that effectively balances risk and shareholder return.