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First Community Bank of Cullman

Cullman, AL · Cert 30166

FDIC · 1 branch

Q3 2025

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets operating in a single state3

Basis

Quarter: Q3 2025, the quarter ended September 30, 2025, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets operating in a single state (n=843 to 849). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

55

Q2 2024Q3 2025peer median (50)

Asset Quality

74

Q2 2024Q3 2025peer median (50)

Profitability

22

Q2 2024Q3 2025peer median (50)

Liquidity

0

Q2 2024Q3 2025peer median

Efficiency

2

Q2 2024Q3 2025peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

First Community Bank of Cullman

Cullman, AL · Cert 30166

FDIC · 1 branch

Q3 2025

$85.5MAssets
$72.2MLoans
$67.0MDeposits
$12.1MEquity
Loan mix
96%RE $69.0M2%C&I $1.2M3%Consumer $1.9MQ3 2024Q3 2025
Deposit mix
77%Interest-bearing $51.9M23%Noninterest $15.1MQ3 2024Q3 2025

NIM

4.91%Q3 ’235.34%Q3 ’245.65%Q3 ’25-6%+14%

Non-interest income vs. expense

3.02%Q3 ’233.33%Q3 ’245.68%Q3 ’25+11%+82%

Executive Summary

  • Earnings: ROA of -1.10%, down 198 bps year over year; NIM at 3.70%.
  • Asset quality: problem loans at 0.00% of loans (-34 bps YoY), with net charge-offs at 0.03%.
  • Capital: tier 1 leverage ratio of 13.52%, up 110 bps from a year ago.
  • Funding: loans stand at 107.70% of deposits as of Q3 2025.

Financial Results

Return on Assets (YTD, annualized)

-1.10%-198 bps YoY

Net Interest Margin (YTD, annualized)

3.70%+46 bps YoY

Efficiency Ratio (YTD, annualized)

140.12%+4,879 bps YoY

Tier 1 Leverage Ratio

13.52%+110 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025YoY ΔTrend
Earnings
Return on Assets0.88%0.64%-0.24%-1.32%-1.10%-198 bps
Return on Equity7.10%5.14%-1.90%-10.25%-8.37%-1,547 bps
Net Interest Margin3.24%3.41%3.45%3.52%3.70%+46 bps
Efficiency Ratio91.33%90.67%108.68%148.82%140.12%+4,879 bps
Non-Interest Burden2.93%3.05%3.78%5.40%5.33%+240 bps
Growth
Asset Growth (YoY)-7.37%-5.42%-6.60%-14.12%-16.52%-915 bps
Loan Growth (YoY)-8.35%-4.57%-7.14%-12.28%-10.88%-253 bps
Deposit Growth (YoY)-0.10%-3.38%-6.98%-8.41%-17.38%-1,728 bps
Asset Quality
Nonperforming Loans / Loans0.34%0.26%0.00%0.00%0.00%-34 bps
Net Charge-Offs / Loans0.08%0.06%0.02%0.02%0.03%-5 bps
Allowance / Loans1.03%1.04%1.09%1.13%1.14%+11 bps
Allowance Coverage of NPLs3.0x3.9xn/an/an/an/a
Capital
Tier 1 Leverage Ratio12.42%13.06%13.21%13.00%13.52%+110 bps
Total Risk-Based Capital12.42%13.06%13.21%13.00%13.52%+110 bps
Equity / Assets12.54%12.42%12.95%13.33%14.09%+155 bps
Liquidity & Funding
Loans / Deposits99.85%102.05%101.81%101.36%107.70%+786 bps
Liquid Assets / Assets9.05%10.07%9.97%9.89%5.34%-370 bps
CRE / Total Capitaln/an/an/an/a247%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

First Community Bank of Cullman

Cullman, AL · Cert 30166 · Peer group: banks under $1B in assets operating in a single state (n=843-849)

FDIC · 1 branch

Q3 2025

$85.5MAssets
$72.2MLoans
$67.0MDeposits
$12.1MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets operating in a single state (rank 129 of 843).
  • Widest gap: efficiency ratio trails 98% of banks under $1B in assets operating in a single state (rank 833 of 849).
  • Overall: at or above the peer median on 4 of 10 directional measures.

Return on Assets

-1.22%

Rank 832 of 849

Net Interest Margin

3.70%

Rank 326 of 849

Efficiency Ratio

140.12%

Rank 833 of 849

Equity / Assets

14.09%

Rank 164 of 849

Non-interest income vs. expense

$0.3M$5.1MINCOMEEXPENSE
Unfavorable gap of $4.8M · efficiency ratio beats 2% of banks under $1B in assets operating in a single state
Bank 140.12%Peer median 68.2%Q2 2024Q3 2025Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets-1.22%0.60%0.92%1.34%Beats 2%832 / 849
Return on Equity-8.67%5.33%9.20%12.48%Beats 2%832 / 848
Net Interest Margin3.70%2.93%3.45%4.03%Beats 62%326 / 849
Efficiency Ratio140.12%58.46%68.22%77.90%Beats 2%833 / 849
Asset Quality
Nonperforming Loans / Loans0.00%0.06%0.40%1.03%Beats 100%129 / 843
Net Charge-Offs / Loans0.02%0.00%0.02%0.07%Beats 47%452 / 843
Capital
Tier 1 Capital Ratio13.52%11.59%13.93%17.99%Beats 45%467 / 849
Total Risk-Based Capital Ratio13.52%11.90%14.68%18.78%Beats 39%514 / 849
Equity / Assets14.09%8.73%10.40%13.12%Beats 81%164 / 849
Liquidity & Funding
Loans / Deposits107.70%62.07%77.56%89.95%94th pctl52 / 849
Loans / Assets84.43%53.39%65.75%75.62%93rd pctl60 / 843
Brokered Deposits / Deposits0.00%n/an/a2.94%Beats 100%521 / 849