Premier Bank of the South
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Data as of · sourced from FFIEC call reports. How we update
Premier Bank of the South is an FDIC-insured commercial bank headquartered in Cullman, AL, established in 1987 (FDIC certificate 27118), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $370.6M, up 1.0% from Q2 2025, the 42nd largest of 93 banks headquartered in Alabama. Its CET1 capital ratio was 16.07% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 27118
- Headquarters
- Cullman, AL
- Established
- 1987
- Total assets, Q2 2026
- $370.6M
- Assets vs Q2 2025
- +1.0%
- CET1 ratio, Q2 2026
- 16.07%
- Domestic offices
- 9 FDIC institution directory, current count
- Routing number
- 062203890
- Latest call report
- Q2 2026, FFIEC 051 · Premier Bank of the South call report
- Holding company
- FCB BANCSHARES, INC.
- Asset rank in state
- 42nd of 93 in Alabama
Premier Bank of the South, based in Cullman, Alabama, reported $371 million in assets at June 30, 2026, up 1.0% from a year earlier. It carries problem assets equal to 0.0% of the capital and reserves that would absorb them, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 2.6%). On the other hand, it funds 9.37% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 10.99%).
Loans are outrunning deposits: over the year loans rose 10.5% and deposits rose 0.5%. The commercial and industrial book ($27 million) is worsening: 1.14% of it is past due or on nonaccrual, up from 0.34% a year earlier. Costs are the weak spot: it spends about 74 cents to bring in each dollar of revenue, higher than about three-quarters of banks its size (median 61 cents).
As of June 30, 2026, Premier Bank of the South reported a CET1 capital ratio of 16.07%, a return on assets of 1.15%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
Premier Bank of the South ranks as the 42nd largest of the 93 banks based in Alabama, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets fell 0.4% to $370.6M, loans rose 1.3% and deposits fell 0.5%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 54.4% of total loans, followed by commercial and industrial loans at 11.8%. Its 9 offices in the FDIC Summary of Deposits are in 7 cities in AL; its Cullman 2 offices book 57% of its branch deposits. Judged on its Q2 2026 call report, Premier Bank of the South meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 101 1st Ave Nw, Cullman, AL 35055
- County
- Cullman
- Metro Area
- Cullman, AL
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- No
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- November 30, 1987
- Domestic offices
- 9 FDIC institution directory, current count
- Employees (FTE)
- 80
- Domestic deposits
- $337.1M
- Allowance for credit losses
- $2.6M
- Net charge-offs (YTD)
- -$173K
- Average total assets
- $370.9M
- Average total loans
- $230.7M
- Average interest-bearing deposits
- $243.6M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- November 30, 1987
- FDIC Cert
- 27118
- Fed RSSD
- 1160509
- Website
- WWW.PREMIERBANKOFTHESOUTH.COM →
- Parent Holding Company
- FCB BANCSHARES, INC. (RSSD 2226484)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Premier Bank of the South's total assets moved between a low of $312.4M (Q3 2023) and a high of $377.1M (Q4 2025) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$370.6M total assets against $366.9M; $339.0M total liabilities against $337.5M.
$229.1M net loans and leases against $207.6M; $337.1M total deposits against $335.3M.
$70.2M securities against $82.2M; $57.4M cash and balances due against $64.4M.
$4.9M total interest income against $4.9M; $1.2M total interest expense against $1.3M.
$3.8M net interest income against $3.6M.
$765K total noninterest income against $686K; $3.3M total noninterest expense against $3.0M.
$50K provision for credit losses against $100K.
$1.1M net income against $1.1M.
1.15% return on assets against 1.22%; 4.17% net interest margin against 4.17%.
16.07% CET1 capital ratio against 16.73%; 9.37% tier 1 leverage ratio against 9.28%.
Inside the full Premier Bank of the South terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freePremier Bank of the South rankings
Its closest position to the top of a national ranking is 701 of 2,134, for CET1 ratio; its furthest is 3,437 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.00% (Q1 2026) to 1.22% (Q2 2025) and its net interest margin ran from 3.91% (Q1 2025) to 4.28% (Q4 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 16.07% | 1.15% | 0.00% | 0.00% | 4.17% |
| Q1 2026 | 15.76% | 1.00% | 0.03% | 0.21% | 4.02% |
| Q4 2025 | 16.23% | 1.05% | 0.05% | 0.43% | 4.28% |
| Q3 2025 | 14.85% | 1.12% | 0.02% | 0.26% | 4.03% |
| Q2 2025 | 16.73% | 1.22% | 0.04% | 0.29% | 4.17% |
| Q1 2025 | 16.74% | 1.08% | 0.03% | 0.21% | 3.91% |
| Q4 2024 | 17.10% | 1.19% | 0.03% | 0.23% | 4.13% |
| Q3 2024 | 15.37% | 1.12% | 0.04% | 0.27% | 4.04% |
Swipe the table sideways to see every column.
Branch Network
View all 9 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Premier Bank of the South (main office) | Cullman , AL | 35055 | $188.7M |
| Premier Bank of the South Good Hope Office Branch | Good Hope , AL | 35055 | $26.0M |
| Huntsville Branch | Huntsville , AL | 35801 | $25.2M |
| Addison Branch | Addison , AL | 35540 | $25.0M |
| Eva Office | Eva , AL | 35621 | $23.3M |
| Madison Branch | Madison , AL | 35758 | $19.4M |
| West Point Office | Vinemont , AL | 35179 | $12.5M |
| Vinemont Branch | Vinemont , AL | 35179 | $12.5M |
| North Office | Cullman , AL | 35058 | $4.6M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in AL, rank 56 of 131 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $1.7M approved, $1.7M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2009 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Premier Bank of the South
What are Premier Bank of the South's total assets?
As of the Q2 2026 filing, Premier Bank of the South reported total assets of $370.6 million in its FFIEC call report.
Where is Premier Bank of the South headquartered?
It is headquartered in Cullman, AL, United States.
When was Premier Bank of the South founded?
It was established in 1987, per the FDIC institution directory.
Is Premier Bank of the South FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #27118). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Premier Bank of the South?
Premier Bank of the South's primary federal regulator is the FDIC.
What is Premier Bank of the South's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 16.07% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Premier Bank of the South operate?
It operates 9 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Premier Bank of the South's Texas Ratio?
Its Texas Ratio is 0.00% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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