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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Cullman, AL · FDIC certificate #30167
CULLMAN SAVINGS BANK is an FDIC-insured institution based in Cullman, AL (FDIC certificate #30167). In its Q3 2026 Call Report it reported total assets of $469M, total deposits of $319M and net loans of $369M. Its primary federal regulator is OCC.
Plain-language readout
CULLMAN SAVINGS BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $469M in Q3 2026 and were lowest at $457M in Q2 2026.
Total deposits were highest at $319M in Q3 2026 and lowest at $308M in Q2 2026.
Over the whole period total assets rose 2.1%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $469M | $319M | $369M | 0.93% | 5.09% | 4.15% |
| Q2 2026 | $457M | $308M | $374M | 0.81% | 4.40% | 4.19% |
| Q1 2026 | $460M | $313M | $373M | 0.63% | 3.44% | 4.19% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $24.8M | $31.0M | -$6.2M | -20.0% |
| Federal funds sold | $0K | $0K | $0K | n/a |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $23.1M | $21.3M | +$1.7M | +8.2% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $373.6M | $372.9M | +$642K | +0.2% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $17.3M | $16.6M | +$720K | +4.3% |
| Other real estate owned | $0K | $0K | $0K | n/a |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $0K | $0K | $0K | n/a |
| All other assets | $17.9M | $17.8M | +$109K | +0.6% |
| Total assets | $456.7M | $459.6M | -$3.0M | -0.7% |
| Liabilities | ||||
| Total deposits | $308.2M | $313.2M | -$5.0M | -1.6% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $57.4M | $57.4M | -$18K | -0.0% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $7.6M | $6.9M | +$688K | +10.0% |
| Total liabilities | $373.3M | $377.6M | -$4.3M | -1.1% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $0K | $0K | $0K | n/a |
| Surplus | $29.8M | $29.7M | +$125K | +0.4% |
| Retained earnings | $58.1M | $57.0M | +$1.1M | +1.9% |
| Accumulated other comprehensive income | -$2.1M | -$2.2M | +$52K | +2.4% |
| Other equity components | -$2.4M | -$2.4M | +$30K | +1.3% |
| Total equity capital | $83.4M | $82.1M | +$1.3M | +1.6% |
| Credit and capital | ||||
| Gross nonperforming assets | $1.5M | $1.2M | +$331K | +27.6% |
| Adjusted nonperforming assets | $1.5M | $1.2M | +$331K | +27.6% |
| Tangible equity plus allowance | $86.2M | $84.9M | +$1.3M | +1.5% |
| Texas ratio (gross) | 1.78% | 1.41% | +0.36 pts | See points |
| Texas ratio (adjusted) | 1.78% | 1.41% | +0.36 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 1.78% | 1.42% | +0.36 pts | See points |
| Tier 1 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Common equity Tier 1 to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 2 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Total risk-based capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 1 leverage (approximate) | 18.64% | 18.77% | -0.13 pts | See points |
| Construction and land loans to total capital | 28.12% | 30.04% | -1.92 pts | See points |
| Commercial real estate to total capital | 81.16% | 82.07% | -0.91 pts | See points |
| Dividend payout, year to date | 0.00% | 0.00% | 0.00 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -3.29% | -3.43% | +0.13 pts | See points |
| Liquidity | ||||
| Core deposits | $214.5M | $229.3M | -$14.8M | -6.5% |
| Non-core funding | $151.2M | $141.3M | +$9.8M | +7.0% |
| Loans to core deposits | 175.48% | 163.86% | +11.61 pts | See points |
| Loans to deposits | 122.11% | 119.97% | +2.14 pts | See points |
| Brokered deposits share of deposits | 8.43% | 6.70% | +1.73 pts | See points |
| Pledged securities share of securities | 58.15% | 48.32% | +9.83 pts | See points |
| Loans pledged, share of loans | 35.88% | 36.75% | -0.87 pts | See points |
| Volatile liabilities | $151.2M | $141.3M | +$9.8M | +7.0% |
| Earnings | ||||
| Earnings before provision, year to date | $3.3M | $1.9M | +$1.4M | +73.3% |
| Earnings before provision, single quarter | $1.4M | $1.9M | -$509K | -26.7% |
| Provision for credit losses, year to date | $1.0M | $1.0M | +$4K | +0.4% |
| Yield and cost | ||||
| Yield on loans and leases | 6.07% | 6.09% | -0.03 pts | See points |
| Yield on interest-bearing balances due from banks | 3.57% | 3.61% | -0.04 pts | See points |
| Total interest income to average assets | 5.33% | 5.33% | -0.00 pts | See points |
| Cost of interest-bearing transaction accounts | 0.45% | 0.44% | +0.01 pts | See points |
| Cost of savings and money market deposits | 0.28% | 0.26% | +0.02 pts | See points |
| Cost of time deposits | 3.39% | 3.43% | -0.04 pts | See points |
| Total interest expense to average assets | 1.55% | 1.53% | +0.02 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $469M | $319M | $369M | 0.93% | 5.09% | 4.15% |
| 2026-06-30 | $457M | $308M | $374M | 0.81% | 4.40% | 4.19% |
| 2026-03-31 | $460M | $313M | $373M | 0.63% | 3.44% | 4.19% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| AL | $299.5M | 0.21% | 66 | Continuing · +0.00 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.