Peoples Bank of Alabama: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
Problem loans are rising at Peoples Bank of Alabama. Based in Cullman, Alabama, it had $1.4 billion in assets at June 30, 2026. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.56% of loans from 0.15% a year earlier. It lost 1.3% of its deposits over the year, lower than about three-quarters of the 895 banks with $1 billion to $10 billion in assets (median 5.1%). It also returns 20.0% a year on shareholders' equity, higher than about three-quarters of banks its size (median 12.6%).
Loans and deposits moved in opposite directions: over the year loans rose 4.8% and deposits fell 1.3%. Unrealized losses on its securities total $25 million, equal to 15% of Tier 1 capital, against 20% a year earlier. Funding is the softer spot: it holds about half of its deposits (46%) above the FDIC insurance limit, higher than about three-quarters of banks its size (median 30.9%).
As of June 30, 2026, Peoples Bank of Alabama reported a CET1 capital ratio of 15.73%, a return on assets of 1.99%, a nonperforming-loan ratio of 0.78% and a Texas ratio of 3.54%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 1912 Cherokee Ave Sw, Cullman, AL 35055
- County
- Cullman
- Metro Area
- Cullman, AL
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- No
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- Limited trust powers granted
- Call Report form
- FFIEC 041
- Established
- October 24, 1977
- Former names
- Peoples Bank of North Alabama (1994-2008); Peoples Bank of Cullman County (1983-1994)
- Offices
- 28 domestic
- Employees (FTE)
- 281
- Domestic deposits
- $1.27B
- Allowance for credit losses
- $14.9M
- Net charge-offs (YTD)
- $414K
- Average total assets
- $1.45B
- Average total loans
- $921.4M
- Average interest-bearing deposits
- $823.0M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- October 24, 1977
- FDIC Cert
- 22537
- Fed RSSD
- 60330
- SEC CIK
- 1174771 → filed by ALTRUST FINANCIAL SERVICES, INC.
- Website
- www.peoplesbankal.com →
- Parent Holding Company
- ALTRUST FINANCIAL SERVICES, INC. (RSSD 1136595)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Peoples Bank of Alabama terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Peoples Bank of Alabama, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Peoples Bank of Alabama rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 15.73% | 1.99% | 0.78% | 3.54% | 4.53% |
| Q1 2026 | 15.58% | 1.82% | 0.69% | 3.03% | 4.43% |
| Q4 2025 | 15.77% | 2.01% | 0.51% | 1.36% | 4.50% |
| Q3 2025 | 15.21% | 1.96% | 0.47% | 1.17% | 4.48% |
| Q2 2025 | 14.96% | 1.96% | 0.35% | 1.41% | 4.49% |
| Q1 2025 | 14.71% | 1.81% | 0.31% | 1.45% | 4.28% |
| Q4 2024 | 14.64% | 1.77% | 0.26% | 1.28% | 4.43% |
| Q3 2024 | 14.40% | 1.92% | 0.20% | 0.97% | 4.54% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 28 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Peoples Bank of Alabama (main office) | Cullman , AL | 35055 | $176.0M |
| Sixth Street Branch | Decatur , AL | 35601 | $111.7M |
| Warrior Branch | Warrior , AL | 35180 | $102.0M |
| Centre Bank | Centre , AL | 35960 | $77.3M |
| Guntersville 2 Branch | Guntersville , AL | 35976 | $71.0M |
| Gardendale Branch | Gardendale , AL | 35071 | $61.4M |
| Hartselle Branch | Hartselle , AL | 35640 | $60.0M |
| Decatur Southeast Branch | Decatur , AL | 35601 | $54.5M |
| Albertville U.S. Hwy 431 Branch | Albertville , AL | 35950 | $54.3M |
| Oneonta Branch | Oneonta , AL | 35121 | $48.4M |
| Arab Branch | Arab , AL | 35016 | $46.3M |
| Parkway Branch | Arab , AL | 35016 | $41.8M |
| Gadsden Branch | Gadsden , AL | 35901 | $37.9M |
| North Cullman Branch | Cullman , AL | 35055 | $33.0M |
| Pelham Branch | Pelham , AL | 35124 | $31.0M |
| Huntsville Branch | Huntsville , AL | 35801 | $27.5M |
| Holly Pond Branch | Holly Pond , AL | 35083 | $26.1M |
| Blountsville Branch | Blountsville , AL | 35031 | $24.9M |
| Hanceville Branch | Hanceville , AL | 35077 | $23.2M |
| Dodge City Branch | Dodge City , AL | 35077 | $22.9M |
| Somerville Branch | Somerville , AL | 35670 | $22.1M |
| Laceys Spring Branch | Laceys Spring , AL | 35754 | $21.0M |
| Boaz Branch | Boaz , AL | 35957 | $21.0M |
| Locust Fork Branch | Locust Fork , AL | 35097 | $18.8M |
| Trussville Branch | Trussville , AL | 35173 | $17.7M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| August 18, 2014 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 16, 2014 | Structure Change | Acquired Generations Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 21, 1994 | Structure Change | Acquired Altus Federal Savings Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 3 events.
Regulatory record
What the public regulatory sources show for Peoples Bank of Alabama, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.9% of deposits in AL, rank 22 of 131 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 167 applications, 88 loans originated, $19.1M originated, across 3 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 7 loans, $2.8M approved, $405K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2024 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Peoples Bank of Alabama
What are Peoples Bank of Alabama's total assets?
As of the Q2 2026 filing, Peoples Bank of Alabama reported total assets of $1.42 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Peoples Bank of Alabama headquartered?
Peoples Bank of Alabama is headquartered in Cullman, AL, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was Peoples Bank of Alabama founded?
Peoples Bank of Alabama was established in 1977, per the FDIC institution directory.
Is Peoples Bank of Alabama FDIC-insured?
Yes. Peoples Bank of Alabama is an FDIC-insured commercial bank (FDIC Certificate #22537). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Peoples Bank of Alabama?
Peoples Bank of Alabama's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Peoples Bank of Alabama's CET1 capital ratio?
Peoples Bank of Alabama reported a Common Equity Tier 1 (CET1) capital ratio of 15.73% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Peoples Bank of Alabama operate?
Peoples Bank of Alabama operates 28 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Peoples Bank of Alabama's Texas Ratio?
Peoples Bank of Alabama's Texas Ratio is 3.54% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was Peoples Bank of Alabama previously called?
The charter now named Peoples Bank of Alabama has also operated as Peoples Bank of North Alabama (1994-2008), Peoples Bank of Cullman County (1983-1994), per FDIC structure-change records.
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