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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 $3.3MQ3 2024Q2 2026
Deposit mix
87%Interest-bearing $267.2M13%Noninterest $41.0MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 0.97%, up 10 bps year over year; NIM at 3.78%.
  • Asset quality: problem loans at 0.41% of loans (+8 bps YoY), with net charge-offs at 0.00%.
  • 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.

Return on Assets (quarter, annualized)

0.97%+10 bps YoY

Net Interest Margin (quarter, annualized)

3.78%+16 bps YoY

Efficiency Ratio (quarter, annualized)

70.24%-53 bps YoY

Tier 1 Leverage Ratio

18.64%-49 bps YoY

NIM

4.93%Q2 ’245.22%Q2 ’255.33%Q2 ’26+8%+4%

Non-interest income vs. expense

2.88%Q2 ’242.79%Q2 ’252.88%Q2 ’26-3%+4%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.06%0.98%0.85%0.86%1.07%1.07%0.63%0.97%+10 bps
Return on Equity5.73%5.36%4.63%4.71%5.80%5.69%3.44%5.37%+66 bps
Net Interest Margin3.37%3.46%3.48%3.62%3.64%3.77%3.80%3.78%+16 bps
Efficiency Ratio72.48%68.45%72.26%70.78%66.21%67.12%58.72%70.24%-53 bps
Non-Interest Burden2.35%2.24%2.42%2.46%2.30%2.43%2.10%2.56%+10 bps
Growth
Asset Growth (YoY)4.26%4.90%2.58%5.78%2.20%0.26%6.90%2.53%-325 bps
Loan Growth (YoY)4.42%4.55%4.84%4.19%0.82%1.33%4.06%3.11%-108 bps
Deposit Growth (YoY)0.49%2.52%2.64%3.89%-1.07%-0.79%5.80%2.91%-98 bps
Asset Quality
Nonperforming Loans / Loans0.15%0.03%0.08%0.33%0.00%0.06%0.32%0.41%+8 bps
Net Charge-Offs / Loans-0.32%0.01%0.00%0.00%0.01%0.00%1.20%0.00%0 bps
Allowance / Loans0.81%0.81%0.80%0.79%0.81%0.80%0.76%0.75%-4 bps
Allowance Coverage of NPLs5.5x28.5x9.6x2.4x322.0x13.4x2.4x1.8x-0.6x
Capital
Tier 1 Leverage Ratio18.94%18.50%18.97%19.12%18.96%18.80%18.77%18.64%-49 bps
Total Risk-Based Capital18.94%18.50%18.97%19.12%18.96%18.80%18.77%18.64%-49 bps
Equity / Assets18.54%18.15%18.53%18.19%18.67%18.87%17.86%18.26%+7 bps
Liquidity & Funding
Loans / Deposits118.92%119.73%121.96%121.87%121.19%122.30%119.97%122.11%+24 bps
Liquid Assets / Assets3.86%3.78%2.27%4.34%6.40%3.30%5.82%4.61%+27 bps
CRE / Total Capitaln/an/an/an/a138.06%138.14%146.09%n/an/a