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
Unfavorable gap of $4.8M · efficiency ratio beats 2% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer 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 Margin | 3.70% | 2.93% | 3.45% | 4.03% | Beats 62% | 326 / 849 | | |
| Efficiency Ratio | 140.12% | 58.46% | 68.22% | 77.90% | Beats 2% | 833 / 849 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.06% | 0.40% | 1.03% | Beats 100% | 129 / 843 | | |
| Net Charge-Offs / Loans | 0.02% | 0.00% | 0.02% | 0.07% | Beats 47% | 452 / 843 | | |
| Capital |
| Tier 1 Capital Ratio | 13.52% | 11.59% | 13.93% | 17.99% | Beats 45% | 467 / 849 | | |
| Total Risk-Based Capital Ratio | 13.52% | 11.90% | 14.68% | 18.78% | Beats 39% | 514 / 849 | | |
| Equity / Assets | 14.09% | 8.73% | 10.40% | 13.12% | Beats 81% | 164 / 849 | | |
| Liquidity & Funding |
| Loans / Deposits | 107.70% | 62.07% | 77.56% | 89.95% | 94th pctl | 52 / 849 | | |
| Loans / Assets | 84.43% | 53.39% | 65.75% | 75.62% | 93rd pctl | 60 / 843 | | |
| Brokered Deposits / Deposits | 0.00% | n/a | n/a | 2.94% | Beats 100% | 521 / 849 | n/a | |