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
Unfavorable gap of $10.6M · efficiency ratio beats 50% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.79% | 0.72% | 1.06% | 1.45% | Beats 29% | 526 / 746 | |
| Return on Equity | 4.35% | 6.74% | 10.51% | 13.63% | Beats 16% | 629 / 746 | |
| Net Interest Margin | 3.75% | 3.17% | 3.68% | 4.16% | Beats 53% | 353 / 746 | |
| Efficiency Ratio | 64.53% | 55.74% | 64.58% | 75.47% | Beats 50% | 373 / 746 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.41% | 0.09% | 0.42% | 1.07% | Beats 52% | 360 / 743 | |
| Net Charge-Offs / Loans | 0.30% | 0.00% | 0.01% | 0.05% | Beats 6% | 702 / 743 | |
| Capital |
| Tier 1 Capital Ratio | 18.64% | 11.55% | 13.75% | 17.60% | Beats 79% | 154 / 746 | |
| Total Risk-Based Capital Ratio | 18.64% | 11.71% | 14.33% | 18.43% | Beats 76% | 178 / 746 | |
| Equity / Assets | 18.26% | 8.90% | 10.51% | 13.06% | Beats 93% | 50 / 746 | |
| Liquidity & Funding |
| Loans / Deposits | 122.11% | 61.31% | 78.27% | 90.78% | 99th pctl | 11 / 746 | |
| Loans / Assets | 82.42% | 53.60% | 66.97% | 76.08% | 91st pctl | 70 / 746 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |