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Cullman Savings Bank
Cullman, AL · FDIC Certificate #30167 · Chartered 01/0
Total assets
$456.66M
Total deposits
$308.24M
Total equity
$83.40M
Net loans
$373.56M
Branches (offices)
5
Net income (YTD)
$1.81M
Rank: #1,888 of 4,213 U.S. banks by assets · #32 of 93 in Alabama. Assets changed 2.5% and deposits 2.9% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.81% |
| Return on equity | 4.40% |
| Net interest margin (YTD) | 4.19% |
| Equity to assets | 18.26% |
| Tier 1 leverage ratio | 18.64% |
| Uninsured deposits (share of deposits) | 32.4% |
| Noncurrent loans (share of loans) | 0.41% |
| Net charge-offs (share of loans) | 0.61% |
| Loans to deposits | 121.2% |
| Real estate loans (share of loans) | 92.6% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $346.01M | 92.6% | |
| Commercial & industrial | $26.37M | 7.1% | |
| Consumer / individual | $2.96M | 0.8% | |
| Construction & development | $24.84M | 6.6% | |
| Agricultural | $586.00K | 0.2% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $381.90M | $303.79M | $2.43M | $69.97M |
| Jun 2023 | $416.36M | $298.44M | $2.16M | $74.36M |
| Jun 2024 | $421.03M | $288.30M | $1.50M | $78.26M |
| Jun 2025 | $445.37M | $299.53M | $1.86M | $81.02M |
| Jun 2026 | $456.66M | $308.24M | $1.81M | $83.40M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Alabama | $308.24M | 5 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $308.24M.
Similar-sized banks
Guaranty Bank & Trust Company Of Delhi, Louisiana ($457.39M) · Trinity Capital Bank Of Texas ($456.64M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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