First Community Bank of Cullman
First Community Bank of Cullman is a small community bank chartered in 1905, based in Cullman, AL. Total assets stand at $86M. Earnings turned negative this period, with ROA at -0.61%. Under the simplified Community Bank Leverage Ratio framework, leverage of 13.52% exceeds the 9% CBLR threshold. Asset quality is pristine — 0.00% NPLs and a 0.00% Texas Ratio. The bank operates from a single office.
Headquarters Profile
- Address
- 420 2nd Ave Sw, CULLMAN, AL 35055
- County
- Cullman
- Metro Area
- CULLMAN, AL
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- Fed District
- 5
- Established
- January 1, 1905
- Branches
- 1 domestic
- Employees (FTE)
- 14
- FDIC Cert
- 30166
- Fed RSSD
- 812379
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Watch flags
Automated conditions triggered on this bank's latest filing. Advisory only — see the source metric pages for full context.
Loans outstanding exceed total deposits — the bank is funding the gap with wholesale sources (FHLB advances, brokered deposits, repo) that are more rate-sensitive and can dry up in a stress scenario.
First Community Bank of Cullman rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 4 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
Branch Network
Every branch from the FDIC Summary of Deposits — mapped, and listed with the deposits booked at each location.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Loading branches… | |||
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.
- Structure ChangeCharter Discontinued (Merger or Purchase & Assumption)FFIEC NIC
Sourced from unified bank events (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 1 event.
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Frequently asked about First Community Bank of Cullman
What are First Community Bank of Cullman's total assets?
As of the Q1 2026 filing, First Community Bank of Cullman reported total assets of $85.5 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is First Community Bank of Cullman headquartered?
First Community Bank of Cullman is headquartered in CULLMAN, AL, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was First Community Bank of Cullman founded?
First Community Bank of Cullman was established in 1905, per the FDIC institution directory.
Is First Community Bank of Cullman FDIC-insured?
Yes. First Community Bank of Cullman is an FDIC-insured commercial bank (FDIC Certificate #30166). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates First Community Bank of Cullman?
First Community Bank of Cullman's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
How many branches does First Community Bank of Cullman operate?
First Community Bank of Cullman operates 1 domestic branch, per the most recent FDIC Summary of Deposits filing.
What is First Community Bank of Cullman's Texas Ratio?
First Community Bank of Cullman's Texas Ratio is 0.00% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.
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