Official record
CDFI Fund list, 21 Oct 2026| Institution type | Bank holding company |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 9 Jun 2026 |
| RSSD ID | 4297527 |
| Address | Post Office Box 307, Opp, AL 36467 Directions to the main office (Google Maps) |
| Website | Not given on the official list (listed as “Non given”) |
Head officeBranch or officeApproximate (ZIP code area)
Map data © OpenStreetMap contributors, © OpenMapTiles, tiles OpenFreeMap. Head-office points: U.S. Census Bureau geocoder.
Loans and eligibility
Not yet verifiedWe have not yet read this lender's website, so we can't list its loan products, sizes or service area. That doesn't mean it lacks them. The official list gives no website for this lender; contact it at the address above.
Questions to ask when you contact them
We have no details from their website yet, so these are the basics to ask any lender. Something missing here does not mean they don't offer it: ask.
- What kinds of loans do you make, and which one fits what I need?
We have no loan details from their website. - Do you lend where I live, or where my business is?
- What are the smallest and the largest loans you make?
- What interest rate and fees should I expect? For a personal, car or home loan, ask for the APR.
- What documents will you need from me, and how long does a decision usually take?
Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.
CDFI Fund awards
CDFI Fund database, 3 Nov 2026$1.3 million in 2 awards from the U.S. Treasury's CDFI Fund, 2021–2022 (CDFI Program, Financial Assistance).
| Round year | Program | Amount |
|---|---|---|
| 2022 | CDFI Program, Financial Assistance | $660,000 |
| 2021 | CDFI Program, Financial Assistance | $625,000 |
Emergency Capital Investment Program (ECIP)
Treasury invested $16.3 million in this institution under ECIP, by buying preferred stock or subordinated debt (an investment, not a grant; it is not counted in the award total). ECIP type on the list: CDFI. Source: U.S. Treasury ECIP participant list (last updated Mar 2025), downloaded 3 Nov 2026.
These are awards and investments made to the institution itself to build its capital and capacity. They are not loans to borrowers, and an award does not mean the lender has money available for a particular loan today.
Source: CDFI Fund Searchable Awards Database, all 12,628 award records (1996–2025), read 3 Nov 2026. Years are the award round as the database lists it. Matched to the official CDFI list by exact name and state; see the method on the About page.
Branches and size
FDIC, 30 Jun 2026Subsidiary bank on file with the FDIC: Southern Independent Bank (FDIC cert 58357, total assets $395.3 million). Source: FDIC BankFind Suite (public data): total assets from the Call Report as of 30 Jun 2026; office list as of 30 Oct 2026, downloaded 3 Nov 2026.
| Total assets | $395.3 million (as of 30 Jun 2026) |
|---|---|
| Offices | 3 (as of 30 Oct 2026) |
Offices by state and county (3)
Alabama (3 offices)
- Covington County (3): 503 N Main St, Opp 36467 (main office); 1417 Mlk Jr Expressway, Andalusia 36420; 22799 Lakeshore Boulevard, Florala 36442
An office shows where the lender has a branch, not where it lends or whom it lends to.
What the regulator filing shows
Call Report, 30 Jun 2026A bank holding company files no Call Report of its own. These figures are from its subsidiary bank, Southern Independent Bank (RSSD 3531176, FDIC cert 58357), the only active bank the FDIC lists under this holding company. Source: FFIEC Central Data Repository, bulk Call Report data (public data), report date 30 Jun 2026; year-earlier figures from the 30 Jun 2025 report; downloaded 4 Nov 2026. Schedules RC-C Parts I and II, dollar amounts filed in thousands.
| Total loans and leases | $180.7 million (as of 30 Jun 2026, net of unearned income) |
|---|---|
| Change over the year | Up 5.4% from $171.5 million on 30 Jun 2025 |
| Total assets | $395.3 million (as of 30 Jun 2026) |
Loan mix (balances on 30 Jun 2026)
| Loan category | Balance | Share |
|---|---|---|
| Home mortgages (1-4 family, closed-end) | $47.1 million | 26.1% |
| Home equity lines of credit | $13 million | 7.2% |
| Commercial real estate, construction and multifamily | $72.3 million | 40.0% |
| Commercial and industrial (business) loans | $29.1 million | 16.1% |
| Farmland and farm production loans | $9.3 million | 5.1% |
| Consumer loans (credit cards, auto, other) | $6.7 million | 3.7% |
| All other loans and leases | $3.2 million | 1.8% |
Within consumer loans: auto loans $2.5 million.
Small business loans (original amount $1 million or less, balances on 30 Jun 2026)
| Original loan amount | Secured by business property | Commercial and industrial |
|---|---|---|
| Up to $100,000 | 34 loans $1.3 million | 167 loans $4.1 million |
| $100,001 to $250,000 | 34 loans $4.2 million | 70 loans $7.2 million |
| $250,001 to $1 million | 24 loans $9.3 million | 48 loans $12.5 million |
| All small business loans | 92 loans $14.8 million | 285 loans $23.7 million |
Small farm loans (original amount $500,000 or less, balances on 30 Jun 2026)
| Original loan amount | Secured by farmland | Farm production |
|---|---|---|
| Up to $100,000 | 13 loans $564,000 | 17 loans $397,000 |
| $100,001 to $250,000 | 14 loans $1.7 million | 4 loans $703,000 |
| $250,001 to $500,000 | 1 loan $14,000 | 2 loans $538,000 |
| All small farm loans | 28 loans $2.3 million | 23 loans $1.6 million |
Balances are loans outstanding on the report date, not loans made during the year, and they include loans the bank bought. Shares are of gross loans and leases. The change over the year includes loans gained through mergers or bought from others. A category with no balance does not mean the bank never makes that kind of loan; ask the bank.
How it compares
Computed from public data| Measure | This lender | Compared with |
|---|---|---|
| Total assets (Call Report, 30 Jun 2026) | $395.3 million | Larger than 65% of the 26 other certified banks and bank holding companies in Alabama (median $229.8 million). |
| Loans as a share of assets | 46% | Median of the same 26 banks and bank holding companies: 61%. A higher share means more of its balance sheet is lent out. |
| Loans held, 30 Jun 2025 → 30 Jun 2026 | $171.5 million → $180.7 million (+5%) | Median change of 26 other certified banks and bank holding companies in Alabama: +6%. Rank by loans held among these 27: 9 → 9. |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| Call Report total assets | other certified banks and bank holding companies in Alabama | 26 | larger than 65% |
| Loans held then vs now | certified banks and bank holding companies in Alabama reporting both dates | 26 | rank 9 → 9 of 27 |
“Larger than X%” = the share of the peer group with a smaller value. Ranks count from the largest. Peer groups use the lender's home state when it has at least 5 peers, otherwise the whole country. Full definitions: methodology.
For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered. Peer groups and sources: methodology. Assets and loans: FFIEC and NCUA Call Reports (see the loan-mix section).
SBA loans approved
SBA data as of 30 Sep 2026SBA loan data names this holding company's bank, not the holding company. Its subsidiary SOUTHERN INDEPENDENT BANK is certified separately and shows its SBA 7(a) and 504 approvals for FY2020–FY2026 on its own page.
Source: U.S. Small Business Administration, 7(a) & 504 FOIA loan data, files as of 30 Sep 2026, downloaded 3 Nov 2026. Our counts, cancelled approvals left out. How we match lenders.
Other certified CDFIs in Opp and Alabama
- SOUTHERN INDEPENDENT BANKBank or thrift · Opp, ALOfficial list only
- AOD Federal Credit UnionCredit union · Bynum, ALAgriculture / farm loans, Auto / vehicle loans, Home mortgages, Personal / consumer loans…Verified
- Bank of VernonBank or thrift · Vernon, ALAuto / vehicle loans, Small-dollar / emergency loans, Equipment loans, Home mortgages…Verified
- CNB Bancorp Inc.Bank holding company · Mobile, ALCommercial real estate loans, Equipment loans, Home mortgages, Personal / consumer loans…Verified
- Commercial Bancshares of Ozark, Inc.Bank holding company · Ozark, ALAuto / vehicle loans, Commercial real estate loans, Equipment loans, Home mortgages…Verified
- Commercial Bank of Ozark, TheBank or thrift · Ozark, ALAuto / vehicle loans, Commercial real estate loans, Equipment loans, Home mortgages…Verified
Work at SOUTHERN INDEPENDENT BANCSHARES INC? Link to this page
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