CULLMAN SAVINGS BANK

CULLMAN, AL | Small | Est. Jan. 1, 1937, midnight | FDIC #30167 | RSSD #934673 | OCC
Latest Report: 2025-12-31

CULLMAN SAVINGS BANK is asn small FDIC-insured commercial bank headquartered in CULLMAN, AL, established in Jan. 1, 1937, midnight. As of 2025-12-31, the bank reported total assets of $431M and total deposits of $295M. Profitability stands at 1.07% ROA and 5.69% ROE, with a net interest margin of 4.16%. The bank's CET1 capital ratio is 18.87%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 0.00%. FDIC Certificate #30167.

Assets

$431M

Deposits

$295M

Loans

$361M

Equity

$81M

Profitability

Return on Assets (ROA) 1.07%
Return on Equity (ROE) 5.69%
Net Interest Margin (NIM) 4.16%
Yield on Assets 5.90%
Cost of Funds 2.02%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio 0.00%
Texas Ratio 0.00%
NPA Ratio 0.00%
ACL / Loans 0.80%

Capital & Liquidity

CET1 Ratio 18.87%
Tier 1 Capital 18.87%
Total Capital Ratio 19.81%
Leverage Ratio 18.80%
Loan-to-Deposit 122.30%

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