Premier Bank of the South
Premier Bank of the South is a locally rooted FDIC-insured community bank based in Cullman, AL. Premier Bank of the South's Q1 2026 balance sheet shows $372M in assets funded primarily by $339M in customer deposits. Profitability tracks the broader industry — ROA 1.00%, ROE 11.84%, NIM 4.02%. Capital cushions are healthy: 15.76% CET1, 9.29% Tier 1 leverage. Credit metrics are pristine, with nonperforming loans at just 0.43%. It operates 9 branches, primarily in Alabama.
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
- Fed District
- 5
- Established
- November 30, 1987
- Branches
- 9 domestic
- Employees (FTE)
- 83
- FDIC Cert
- 27118
- Fed RSSD
- 1160509
- Parent Holding Company
- FCB BANCSHARES, INC. (RSSD 2226484)
Capital & Liquidity
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Premier Bank of the South 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 6 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… | |||
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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 Q1 2026 filing, Premier Bank of the South reported total assets of $372.1 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Premier Bank of the South headquartered?
Premier Bank of the South is headquartered in CULLMAN, AL, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Premier Bank of the South founded?
Premier Bank of the South was established in 1987, per the FDIC institution directory.
Is Premier Bank of the South FDIC-insured?
Yes. Premier Bank of the South 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. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Premier Bank of the South's CET1 capital ratio?
Premier Bank of the South reported a Common Equity Tier 1 (CET1) capital ratio of 15.76% in its most recent quarterly filing — comfortably above the 7% well-capitalized regulatory floor.
How many branches does Premier Bank of the South operate?
Premier Bank of the South operates 9 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Premier Bank of the South's Texas Ratio?
Premier Bank of the South's Texas Ratio is 2.99% — 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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