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Cullman Savings Bank

Cullman, AL · Cert 30167 · Cullman Bcorp Inc.

State savings bank · OCC · 5 branches

Q2 2026

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: Q2 2026, the quarter ended June 30, 2026, 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=743 to 746). 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

83

Q2 2024Q2 2026peer median (50)

Asset Quality

29

Q2 2024Q2 2026peer median (50)

Profitability

33

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

50

Q2 2024Q2 2026peer 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

Cullman Savings Bank

Cullman, AL · Cert 30167 · Cullman Bcorp Inc.

State savings bank · OCC · 5 branches

Q2 2026

$456.7MAssets
$376.4MLoans
$308.2MDeposits
$83.4MEquity
Loan mix
91%RE $341.5M8%C&I $30.1M1%Consumer $3.3MQ2 2025Q2 2026
Deposit mix
87%Interest-bearing $267.2M13%Noninterest $41.0MQ2 2025Q2 2026

NIM

4.86%Q2 ’245.14%Q2 ’255.27%Q2 ’26+6%+6%

Non-interest income vs. expense

2.82%Q2 ’242.76%Q2 ’252.62%Q2 ’26-2%-5%

Executive Summary

  • Earnings: ROA of 0.81%, down 5 bps year over year; NIM at 3.75%.
  • Asset quality: problem loans at 0.41% of loans (+8 bps YoY), with net charge-offs at 0.60%.
  • Capital: tier 1 leverage ratio of 18.64%, down 49 bps from a year ago.
  • Funding: loans stand at 122.11% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.81%-5 bps YoY

Net Interest Margin (YTD, annualized)

3.75%+21 bps YoY

Efficiency Ratio (YTD, annualized)

64.53%-697 bps YoY

Tier 1 Leverage Ratio

18.64%-49 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.85%0.93%0.97%0.63%0.81%-5 bps
Return on Equity4.67%5.05%5.23%3.44%4.40%-27 bps
Net Interest Margin3.53%3.51%3.60%3.80%3.75%+21 bps
Efficiency Ratio71.50%69.67%69.01%58.72%64.53%-697 bps
Non-Interest Burden2.44%2.35%2.39%2.10%2.31%-13 bps
Growth
Asset Growth (YoY)5.78%2.20%0.26%6.90%2.53%-325 bps
Loan Growth (YoY)4.19%0.82%1.33%4.06%3.11%-108 bps
Deposit Growth (YoY)3.89%-1.07%-0.79%5.80%2.91%-98 bps
Asset Quality
Nonperforming Loans / Loans0.33%0.00%0.06%0.32%0.41%+8 bps
Net Charge-Offs / Loans0.00%0.00%0.00%1.20%0.60%+60 bps
Allowance / Loans0.79%0.81%0.80%0.76%0.75%-4 bps
Allowance Coverage of NPLs2.4x322.0x13.4x2.4x1.8x-0.6x
Capital
Tier 1 Leverage Ratio19.12%18.96%18.80%18.77%18.64%-49 bps
Total Risk-Based Capital19.12%18.96%18.80%18.77%18.64%-49 bps
Equity / Assets18.19%18.67%18.87%17.86%18.26%+7 bps
Liquidity & Funding
Loans / Deposits121.87%121.19%122.30%119.97%122.11%+24 bps
Liquid Assets / Assets4.34%6.40%3.30%5.82%4.61%+27 bps
CRE / Total Capitaln/a138.06%138.14%146.09%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

Cullman Savings Bank

Cullman, AL · Cert 30167 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Cullman Bcorp Inc.

State savings bank · OCC · 5 branches

Q2 2026

$456.7MAssets
$376.4MLoans
$308.2MDeposits
$83.4MEquity

Executive Summary

  • Strongest standing: equity / assets outperforms 93% of banks under $1B in assets operating in a single state (rank 50 of 746).
  • Widest gap: net charge-offs / loans trails 94% of banks under $1B in assets operating in a single state (rank 702 of 743).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

0.79%

Rank 526 of 746

Net Interest Margin

3.75%

Rank 353 of 746

Efficiency Ratio

64.53%

Rank 373 of 746

Equity / Assets

18.26%

Rank 50 of 746

Non-interest income vs. expense

$1.4M$12.0MINCOMEEXPENSE
Unfavorable gap of $10.6M · efficiency ratio beats 50% of banks under $1B in assets operating in a single state
Bank 64.53%Peer median 64.6%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.79%0.72%1.06%1.45%Beats 29%526 / 746
Return on Equity4.35%6.74%10.51%13.63%Beats 16%629 / 746
Net Interest Margin3.75%3.17%3.68%4.16%Beats 53%353 / 746
Efficiency Ratio64.53%55.74%64.58%75.47%Beats 50%373 / 746
Asset Quality
Nonperforming Loans / Loans0.41%0.09%0.42%1.07%Beats 52%360 / 743
Net Charge-Offs / Loans0.30%0.00%0.01%0.05%Beats 6%702 / 743
Capital
Tier 1 Capital Ratio18.64%11.55%13.75%17.60%Beats 79%154 / 746
Total Risk-Based Capital Ratio18.64%11.71%14.33%18.43%Beats 76%178 / 746
Equity / Assets18.26%8.90%10.51%13.06%Beats 93%50 / 746
Liquidity & Funding
Loans / Deposits122.11%61.31%78.27%90.78%99th pctl11 / 746
Loans / Assets82.42%53.60%66.97%76.08%91st pctl70 / 746
Brokered Deposits / Depositsn/aNot reported for this institution