Premier Bank of the South
Cullman, AL · Cert 27118 · Peer group: banks under $1B in assets (n=581-629) · FCB Bancshares Inc.
State charter, non-member · FDIC · 9 branches
Q2 2026
$370.6MAssets
$231.8MLoans
$337.1MDeposits
$31.6MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets (rank 81 of 581).
- Widest gap: net charge-offs / loans trails 85% of banks under $1B in assets (rank 494 of 581).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
0.90%
Rank 369 of 629
Net Interest Margin
3.98%
Rank 172 of 629
Efficiency Ratio
73.79%
Rank 405 of 629
Equity / Assets
8.53%
Rank 518 of 629
Non-interest income vs. expense
Unfavorable gap of $10.2M · efficiency ratio beats 36% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.90% | 0.60% | 1.01% | 1.45% | Beats 41% | 369 / 629 | |
| Return on Equity | 10.60% | 5.38% | 9.30% | 13.28% | Beats 57% | 270 / 629 | |
| Net Interest Margin | 3.98% | 3.03% | 3.54% | 4.05% | Beats 73% | 172 / 629 | |
| Efficiency Ratio | 73.79% | 58.35% | 67.79% | 79.08% | Beats 36% | 405 / 629 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.09% | 0.46% | 1.20% | Beats 100% | 81 / 581 | |
| Net Charge-Offs / Loans | 0.12% | n/a | 0.01% | 0.06% | Beats 15% | 494 / 581 | |
| Capital |
| Tier 1 Capital Ratio | 16.07% | 11.24% | 13.84% | 18.77% | Beats 65% | 221 / 629 | |
| Total Risk-Based Capital Ratio | 17.29% | 11.58% | 14.43% | 19.66% | Beats 68% | 201 / 629 | |
| Equity / Assets | 8.53% | 9.09% | 10.65% | 13.80% | Beats 18% | 518 / 629 | |
| Liquidity & Funding |
| Loans / Deposits | 68.76% | 67.24% | 80.90% | 93.48% | 28th pctl | 429 / 594 | |
| Loans / Assets | 62.53% | 53.31% | 67.71% | 78.15% | 39th pctl | 383 / 629 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |