PEOPLES BANK OF ALABAMA

CULLMAN, AL | Large | Est. Oct. 24, 1977, midnight | FDIC #22537 | RSSD #60330 | FDIC
Latest Report: 2025-12-31

PEOPLES BANK OF ALABAMA is aln large FDIC-insured commercial bank headquartered in CULLMAN, AL, established in Oct. 24, 1977, midnight. As of 2025-12-31, the bank reported total assets of $1.4B and total deposits of $1.3B. Profitability stands at 2.05% ROA and 20.95% ROE, with a net interest margin of 4.76%. The bank's CET1 capital ratio is 15.77%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.19% and a Texas Ratio of 1.35%. FDIC Certificate #22537.

Assets

$1.4B

Deposits

$1.3B

Loans

$904M

Equity

$142M

Profitability

Return on Assets (ROA) 2.05%
Return on Equity (ROE) 20.95%
Net Interest Margin (NIM) 4.76%
Yield on Assets 6.19%
Cost of Funds 2.29%

Asset Quality

NPL Ratio 0.19%
Net Charge-Off Ratio 0.07%
Texas Ratio 1.35%
NPA Ratio 0.15%
ACL / Loans 1.66%

Capital & Liquidity

CET1 Ratio 15.77%
Tier 1 Capital 15.77%
Total Capital Ratio 17.03%
Leverage Ratio 11.16%
Loan-to-Deposit 72.20%

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