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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