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Peoples Bank Of Alabama
Cullman, AL · FDIC Certificate #22537 · Chartered 10/2
Total assets
$1.42B
Total deposits
$1.27B
Total equity
$143.74M
Net loans
$908.04M
Branches (offices)
28
Net income (YTD)
$13.71M
Rank: #775 of 4,213 U.S. banks by assets · #10 of 93 in Alabama. Assets changed 0.1% and deposits -1.3% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.93% |
| Return on equity | 19.18% |
| Net interest margin (YTD) | 4.60% |
| Equity to assets | 10.09% |
| Tier 1 leverage ratio | 11.19% |
| Uninsured deposits (share of deposits) | 46.5% |
| Noncurrent loans (share of loans) | 0.56% |
| Net charge-offs (share of loans) | 0.09% |
| Loans to deposits | 71.5% |
| Real estate loans (share of loans) | 76.6% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $695.75M | 76.6% | |
| Commercial & industrial | $193.96M | 21.4% | |
| Consumer / individual | $12.14M | 1.3% | |
| Construction & development | $55.48M | 6.1% | |
| Agricultural | $6.55M | 0.7% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $1.26B | $1.17B | $8.89M | $82.13M |
| Jun 2023 | $1.24B | $1.14B | $14.08M | $94.81M |
| Jun 2024 | $1.33B | $1.21B | $11.86M | $109.23M |
| Jun 2025 | $1.42B | $1.29B | $13.53M | $125.05M |
| Jun 2026 | $1.42B | $1.27B | $13.71M | $143.74M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Alabama | $1.27B | 28 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $1.27B.
Similar-sized banks
Gbank ($1.43B) · Rio Bank ($1.42B)
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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