BlastPoint's Banking Scorecard
Cullman Savings Bank
Cullman, AL
5 branches across AL
Cullman Savings Bank has 3 strengths but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.26% above tier average
- + Efficiency Ratio 6.56% below tier average
- + Delinquency Rate 0.57% below tier average
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 13.3% in tier
- - Credit Risk Growth: Bottom 20.7% in tier
- - Credit Quality Pressure: Bottom 34.7% in tier
- - ROA 0.64% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$459.6M
+6.9% YoY
+6.6% QoQ
|
+$73.6M |
$386.1M
+0.5% YoY
|
$2.5B
+0.2% YoY
|
$6.2B
+9.1% YoY
|
68% |
| Total Loans ? |
$372.9M
+4.1% YoY
+4.1% QoQ
|
+$117.2M |
$255.7M
+1.1% YoY
|
$1.5B
+2.4% YoY
|
$3.2B
+10.8% YoY
|
77% |
| Total Deposits ? |
$313.2M
+5.8% YoY
+6.1% QoQ
|
-$14.8M |
$328.0M
+0.1% YoY
|
$2.1B
-0.2% YoY
|
$4.8B
+8.2% YoY
|
57% |
| Return on Assets ? |
0.63%
-25.8% YoY
-34.8% QoQ
|
-0.64% |
1.27%
+12.9% YoY
|
0.78%
-19.5% YoY
|
1.23%
+13.4% YoY
|
17% |
| Net Interest Margin ? |
4.19%
+8.9% YoY
+4.2% QoQ
|
+0.26% |
3.93%
+6.0% YoY
|
3.99%
+5.2% YoY
|
3.89%
+5.7% YoY
|
68% |
| Efficiency Ratio ? |
58.72%
-18.7% YoY
-14.9% QoQ
|
-6.56% |
65.29%
-4.5% YoY
|
72.13%
+5.1% YoY
|
66.95%
-4.1% YoY
|
64% |
| Delinquency Rate ? |
0.32%
+281.7% YoY
+433.5% QoQ
|
-0.57% |
0.89%
+18.8% YoY
|
1.09%
+24.8% YoY
|
0.95%
+18.8% YoY
|
56% |
| Loan-to-Deposit Ratio ? |
119.06%
-1.6% YoY
-1.9% QoQ
|
+42.42% |
76.64%
+0.8% YoY
|
67.08%
+2.0% YoY
|
76.70%
+0.9% YoY
|
Bottom 1.1% in tier |
| Non-Interest-Bearing Deposit Share ? |
14.68%
-1.5% YoY
+13.5% QoQ
|
-7.34% |
22.02%
-1.0% YoY
|
23.89%
+0.0% YoY
|
22.01%
-1.2% YoY
|
23% |
| Nonperforming Asset Ratio ? |
0.26%
+271.7% YoY
+421.2% QoQ
|
-0.38% |
0.64%
+19.7% YoY
|
0.71%
+24.8% YoY
|
0.67%
+19.3% YoY
|
54% |
| Tier 1 Capital Ratio ? |
18.77%
-1.1% YoY
-0.2% QoQ
|
+2.94% |
15.83%
+1.5% YoY
|
16.96%
+13.8% YoY
|
17.06%
+0.8% YoY
|
84% |
| Non-Interest Income / Assets ? |
0.08%
-4.8% YoY
-76.5% QoQ
|
-0.20% |
0.28%
+9.3% YoY
|
0.16%
-16.3% YoY
|
0.32%
+4.1% YoY
|
37% |
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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 (0)
Concerns (3)
Liquidity Overhang
riskExceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.