Cullman Savings Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Cullman Savings Bank of Cullman, AL against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.97% | 1.35% | -0.38% | 31st below |
| ROAE | 5.37% | 12.06% | -6.69% | 15th bottom |
| Net Interest Margin | 4.08% | 3.90% | +0.18% | 58th above |
| Efficiency Ratio | 70.23% | 63.15% | +7.08% | 28th below |
| PPNR / Avg Assets | 1.22% | 1.64% | -0.42% | 29th below |
| Yield on Earning Assets | 5.75% | 5.65% | +0.10% | 57th above |
| Cost of Funds | 1.94% | 1.85% | +0.09% | 41st below |
| Net Interest Spread | 3.56% | 3.35% | +0.21% | 63rd above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.39% | 0.92% | -0.53% | 51st above |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.32% | 0.67% | -0.35% | 49th below |
| NCO / Avg Loans | 0.00% | 0.15% | -0.15% | 62nd above |
| ACL / Total Loans | 0.75% | 1.28% | -0.53% | 9th bottom |
| ACL / NPLs (Coverage) | 190.63% | 1645.76% | -1455.13% | 46th below |
| Texas Ratio | 1.78% | 7.15% | -5.37% | 65th above |
| Provision / NCO | 93.59% | 1189.86% | -1096.27% | 38th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 18.64% | 12.46% | +6.18% | 95th top |
| Equity / Assets | 18.26% | 11.67% | +6.59% | 95th top |
| TCE / Tangible Assets | 18.26% | 11.40% | +6.86% | 95th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 122.11% | 78.63% | +43.48% | 1st bottom |
| Core Deposit Ratio | 69.59% | 87.10% | -17.51% | 5th bottom |
| Wholesale Funding Ratio | 12.57% | 5.11% | +7.46% | 8th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 2.53% | 6.48% | -3.95% | 36th below |
| Loan Growth (Y/Y) | 3.11% | 7.64% | -4.53% | 37th below |
| Deposit Growth (Y/Y) | 2.91% | 6.02% | -3.11% | 42nd below |
See Cullman Savings Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Cullman Savings Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Cullman Savings Bank profile, how to read a UBPR, or how this data updates.