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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 0.81%, 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.

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

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%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.83%0.87%0.85%0.85%0.93%0.97%0.63%0.81%-5 bps
Return on Equity4.50%4.74%4.63%4.67%5.05%5.23%3.44%4.40%-27 bps
Net Interest Margin3.28%3.31%3.48%3.53%3.51%3.60%3.80%3.75%+21 bps
Efficiency Ratio75.48%73.63%72.26%71.50%69.67%69.01%58.72%64.53%-697 bps
Non-Interest Burden2.39%2.35%2.42%2.44%2.35%2.39%2.10%2.31%-13 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 / Loans0.00%0.00%0.00%0.00%0.00%0.00%1.20%0.60%+60 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