Side-by-side · Q2 2026 data
Bank Independent vs First Metro Bank
Metric by metric
| Measure | Bank Independent | First Metro Bank |
|---|---|---|
| TellerScore | 65 | 84 (stronger) |
| Capital cushion | 48 | 80 (stronger) |
| Loan quality | 93 | 96 (stronger) |
| Earnings | 45 | 85 (stronger) |
| Funding & liquidity | 55 | 63 (stronger) |
| Problem-loan coverage | 97 | 98 (stronger) |
| Peer percentile | 36th | 95th |
| Total assets | $2.9B | $1.0B |
| Deposits / shares | $2.5B | $893.7M |
| Capital ratio | 9.82% | 12.98% (stronger) |
| Problem loans | 0.22% | 0.13% (stronger) |
| Net charge-offs | 0.24% | 0.22% (stronger) |
| Return on assets | 0.63% | 1.62% (stronger) |
| Loans ÷ deposits | 74.4% | 66.4% (stronger) |
| Uninsured deposits | 42.9% | 42.8% (stronger) |
| Offices | 30 | 11 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 7.7% |
First Metro Bank has the higher TellerScore (84 vs 65). On the 7 directional measures above (where higher or lower is clearly better), Bank Independent leads on 0 and First Metro Bank on 7. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Florence, AL
- Athens, AL
- Muscle Shoals, AL
- Russellville, AL
- Lexington, AL
- Tuscumbia, AL