Bank Comparison
First Community Bank of Cullman vs Bank47
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
13 · 7
winning metrics across 20 comparable rows
Capital adequacy
| Metric | First Community Bank of Cullman | Bank47 |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 13.52% | 13.50% |
| Equity / Assets | 14.09% | 9.51% |
Profitability
| Metric | First Community Bank of Cullman | Bank47 |
|---|---|---|
| Return on Assets (ROA) | -0.61% | -5.28% |
| Return on Equity (ROE) | -4.48% | -58.00% |
| Net Interest Margin (NIM) | 3.99% | 2.90% |
| Yield on Earning Assets | 5.94% | 4.90% |
| Cost of Funds | 2.10% | 2.16% |
Asset quality
| Metric | First Community Bank of Cullman | Bank47 |
|---|---|---|
| Texas Ratio | 0.00% | 4.25% |
| Non-Performing Loan Ratio | 0.00% | 0.76% |
| Non-Performing Asset Ratio | 0.00% | 0.45% |
| Net Charge-Off Ratio | 0.04% | -0.45% |
| ACL / Loans | 1.14% | 2.96% |
Balance sheet
| Metric | First Community Bank of Cullman | Bank47 |
|---|---|---|
| Total Assets | $85,517K | $87,960K |
| Total Deposits | $67,040K | $78,651K |
| Total Loans | $72,204K | $51,677K |
| Total Equity | $12,052K | $8,368K |
| Net Income (quarter) | $-136 | $-1,182 |
Liquidity & funding
| Metric | First Community Bank of Cullman | Bank47 |
|---|---|---|
| Loan-to-Deposit Ratio | 107.70% | 65.70% |
| Core Deposit Ratio | 88.62% | 91.86% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | First Community Bank of Cullman | Bank47 |
|---|---|---|
| Headquarters City | CULLMAN | UNION SPRINGS |
| Headquarters State | AL | AL |
| Asset Tier | Micro | Micro |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 1 | 2 |
| Employees (FTE) | 14 | 29 |
| Established | Jan. 1, 1905, midnight | May 18, 1990, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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