Premier Bank of the South vs Peoples Independent Bank
Side-by-side bank health comparison using FDIC financial data
Verdict
Premier Bank of the South has a stronger Bank Health Score of 97/100 (A) compared to Peoples Independent Bank at 97/100 (A), a difference of 0 points. Premier Bank of the South holds a Tier 1 capital ratio of 16.69% and an NPL ratio of 0.02%.
| Metric | Premier Bank of the South | Peoples Independent Bank |
|---|---|---|
| Health Score Composite score (0-100) based on capital, loan quality, liquidity, and profitability | 97/100 (A) | 97/100 (A) |
| Tier 1 Capital Ratio Core equity capital as % of risk-weighted assets (8%+ is well-capitalized) | 16.7%* | 14.7% |
| NPL Ratio Nonperforming loans as % of total loans (lower is better) | 0.0%* | 0.3% |
| Liquidity Ratio Cash and liquid assets vs obligations | 42.5% | 51.5%* |
| Return on Assets Profitability metric (above 1% is strong) | 1.2% | 2.0%* |
| Total Assets | $354M | $447M |
| Total Deposits | $326M | $397M |
| Location | Cullman, Alabama | Boaz, Alabama |
Premier Bank of the South has a stronger Bank Health Score of 97/100 (A) compared to Peoples Independent Bank at 97/100 (A), a difference of 0 points. Premier Bank of the South holds a Tier 1 capital ratio of 16.69% and an NPL ratio of 0.02%.