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Cullman Savings Bank

$100M-$1B Specialty: Commercial AL FDIC cert 30167

Cullman, AL

5 branches across AL

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 63 in AL.
  • Deposits +2.9% year over year ($308.2M on the books).
  • Delinquency rate 0.41%.
  • Return on assets 0.81%.
  • Efficiency ratio 64.53% vs a 64.48% peer average.
  • Loan-to-deposit ratio 121.19% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 63 in AL
View $100M-$1B leaderboard (AL) →

Cullman Savings Bank has 2 strengths but faces 5 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Net Interest Margin 0.20% above tier average
  • + Delinquency Rate 0.51% below tier average

Key Concerns

Areas that may need attention

  • - Credit Risk Growth: Bottom 7.4% in tier
  • - Liquidity Overhang: Bottom 14.7% in tier
  • - Credit Quality Pressure: Bottom 24.4% in tier
  • - ROA 0.52% below tier average
  • - Efficiency Ratio 0.05% above tier average
Get updates when Cullman Savings Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (AL) National Avg Tier Percentile
Total Assets ? $456.7M
+2.5% YoY -0.7% QoQ
+$70.1M $386.6M
+1.2% YoY
$2.5B
+1.5% YoY
$6.3B
+7.7% YoY
68%
Total Loans ? $373.6M
+3.2% YoY +0.2% QoQ
+$115.2M $258.3M
+1.7% YoY
$1.6B
+2.8% YoY
$3.2B
+9.4% YoY
76%
Total Deposits ? $308.2M
+2.9% YoY -1.6% QoQ
-$18.5M $326.7M
+0.7% YoY
$2.1B
+0.3% YoY
$4.9B
+7.3% YoY
56%
Return on Assets ? 0.81%
-5.6% YoY +28.0% QoQ
-0.52% 1.32%
+10.8% YoY
0.89%
-13.0% YoY
1.30%
+12.1% YoY
24%
Net Interest Margin ? 4.19%
+7.4% YoY -0.0% QoQ
+0.20% 3.99%
+5.0% YoY
4.02%
+3.4% YoY
3.95%
+4.9% YoY
64%
Efficiency Ratio ? 64.53%
-9.7% YoY +9.9% QoQ
+0.05% 64.48%
-3.2% YoY
69.53%
+4.0% YoY
70.05%
+2.5% YoY
44%
Delinquency Rate ? 0.41%
+23.8% YoY +27.4% QoQ
-0.51% 0.92%
+15.7% YoY
1.13%
+25.5% YoY
0.98%
+16.3% YoY
51%
Loan-to-Deposit Ratio ? 121.19%
+0.2% YoY +1.8% QoQ
+43.24% 77.95%
+1.0% YoY
67.62%
+0.9% YoY
79.03%
+2.3% YoY
Bottom 1.1% in tier
Non-Interest-Bearing Deposit Share ? 13.31%
+6.0% YoY -9.3% QoQ
-8.72% 22.03%
-0.6% YoY
24.04%
+0.1% YoY
21.98%
-0.6% YoY
18%
Nonperforming Asset Ratio ? 0.34%
+24.5% YoY +28.4% QoQ
-0.33% 0.67%
+16.4% YoY
0.74%
+25.2% YoY
0.69%
+15.8% YoY
49%
Tier 1 Capital Ratio ? 18.64%
-2.5% YoY -0.7% QoQ
+2.73% 15.91%
+1.4% YoY
15.01%
+1.3% YoY
17.09%
+0.8% YoY
83%
Non-Interest Income / Assets ? 0.16%
-1.0% YoY +103.9% QoQ
-0.41% 0.57%
+7.6% YoY
0.35%
-14.4% YoY
0.66%
+5.2% YoY
37%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (AL) National Avg Tier Percentile
Noninterest-Bearing 13.3%
+0.7pp YoY
-1.4pp QoQ
 -8.8pp 22.1% 24.0% 22.2% 18%
Brokered Deposits 8.4%
+3.4pp YoY
+1.7pp QoQ
 +0.6pp 7.9% 5.5% 8.5% 70%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (AL) National Avg Tier Percentile
C&I 7.1%
-0.6pp YoY
-1.0pp QoQ
 -4.5pp 11.6% 16.9% 12.5% 33%
CRE 33.0%
-2.3pp YoY
0.0pp QoQ
 -6.6pp 39.5% 43.5% 41.4% 40%
1-4 Family 59.1%
+3.3pp YoY
+1.1pp QoQ
 +26.4pp 32.6% 30.6% 31.3% 89%
Consumer 0.8%
-0.2pp YoY
-0.1pp QoQ
 -3.3pp 4.1% 5.7% 5.0% 23%

Capital

Metric Current vs Tier Tier Avg State Avg (AL) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 15.1% 19.7% n/a
Leverage Ratio 18.6%
-0.5pp YoY
-0.1pp QoQ
 +6.5pp 12.2% 13.2% 12.6% 95%
Total Capital Ratio n/a n/a 19.9% 16.2% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (AL) National Avg Tier Percentile
Full-Time Employees 58
+4 (+7.4%) YoY
+4 (+7.4%) QoQ
 -1 58 304 482 61%
Assets per Employee ($) $7.9M
-4.5% YoY
-7.5% QoQ
 +$355K $7.5M $6.9M $8.8M 66%
Branch Count 5
0 YoY
0 QoQ
 0 4 20 18 55%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (AL) National Avg Tier Percentile
Past Due 90+ Days 0.0%
-0.1pp YoY
 -0.3pp 0.3% 0.2% 0.4% 21%
Nonaccrual 0.4%
+0.1pp YoY
+0.1pp QoQ
 -0.5pp 0.9% 1.2% 1.0% 46%
Allowance Coverage 1.85x
-23.2% YoY
-22.0% QoQ
 -22.31x 24.15x 7.50x 20.23x 45%
Net Charge-off Rate (YTD) 0.6%
-0.6pp QoQ
 +0.5pp 0.1% 0.3% 0.2% 95%

Profitability

Metric Current vs Tier Tier Avg State Avg (AL) National Avg Tier Percentile
ROE 4.4%
-0.3pp YoY
+1.0pp QoQ
 -7.8pp 12.2% 10.0% 11.6% 12%
Cost of Funds (YTD) 1.7%
-0.1pp YoY
0.0pp QoQ
 0.0pp 1.7% 1.7% 1.7% 51%
Net Income ($, YTD) $1.8M
-2.5% YoY
— QoQ
 -$743K $2.6M $17.2M $40.4M 48%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (3)

Credit Risk Growth

risk
#70 of 936 • Bottom 7.4% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally
→ Stable -58 banks QoQ | QoQ rank improving

Liquidity Overhang

risk
#110 of 742 • Bottom 14.7% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature
Tier 1 Capital Ratio: 18.64%
(Tier: 15.91%, National: 17.09%)
better than tier avg
Loan-to-Deposit Ratio: 121.19%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
742 of 742 Community banks match · 940 nationally
→ Stable +7 banks QoQ | QoQ rank declining

Credit Quality Pressure

risk
#307 of 1256 • Bottom 24.4% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.41%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (2 metrics)

449
Tier 1 Capital Ratio
capital
Value: 18.64%
Peer Median: 15.91%
#449 of 2643 Top 17.0% in $100M-$1B
623
Total Loans
size
Value: $373.56M
Peer Median: $258.35M
#623 of 2643 Top 23.5% in $100M-$1B

Top Weaknesses (3 metrics)

2614
Loan-to-Deposit Ratio
liquidity
Value: 121.19%
Peer Median: 77.95%
#2614 of 2643 Bottom 1.1% in $100M-$1B
2159
Non-Interest-Bearing Deposit Share
funding
Value: 13.31%
Peer Median: 22.03%
#2159 of 2643 Bottom 18.4% in $100M-$1B
2019
Return on Assets
profitability
Value: 0.81%
Peer Median: 1.32%
#2019 of 2643 Bottom 23.6% in $100M-$1B
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