Cullman, AL · Cert 30167 · Cullman Bcorp Inc.
State savings bank · OCC · 5 branches
Q2 2026
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.85% | 0.93% | 0.97% | 0.63% | 0.81% | -5 bps | |
| Return on Equity | 4.67% | 5.05% | 5.23% | 3.44% | 4.40% | -27 bps | |
| Net Interest Margin | 3.53% | 3.51% | 3.60% | 3.80% | 3.75% | +21 bps | |
| Efficiency Ratio | 71.50% | 69.67% | 69.01% | 58.72% | 64.53% | -697 bps | |
| Non-Interest Burden | 2.44% | 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 / Loans | 0.33% | 0.00% | 0.06% | 0.32% | 0.41% | +8 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 1.20% | 0.60% | +60 bps | |
| Allowance / Loans | 0.79% | 0.81% | 0.80% | 0.76% | 0.75% | -4 bps | |
| Allowance Coverage of NPLs | 2.4x | 322.0x | 13.4x | 2.4x | 1.8x | -0.6x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 19.12% | 18.96% | 18.80% | 18.77% | 18.64% | -49 bps | |
| Total Risk-Based Capital | 19.12% | 18.96% | 18.80% | 18.77% | 18.64% | -49 bps | |
| Equity / Assets | 18.19% | 18.67% | 18.87% | 17.86% | 18.26% | +7 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 121.87% | 121.19% | 122.30% | 119.97% | 122.11% | +24 bps | |
| Liquid Assets / Assets | 4.34% | 6.40% | 3.30% | 5.82% | 4.61% | +27 bps | |
| CRE / Total Capital | n/a | 138.06% | 138.14% | 146.09% | n/a | n/a | |