Cullman Savings Bank (FDIC certificate #30167) is based in Cullman, Alabama. Its Q2 2026 call report shows $456.7M in total assets and $308.2M in deposits and 5 offices.
Cullman Savings Bank has a TellerScore of 76 out of 100 (strong) based on Q2 2026 data — higher than 64% of its 2,650 banks with $100 million – $1 billion. Among 93 banks headquartered in Alabama, it ranks 32nd. Capital cushion contributes the most (100/100, 18.64%); funding & liquidity contributes the least (31/100, 121% loans-to-deposits, 32% uninsured).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score fell 2 points (78 → 76), mostly because the loan quality component weakened by 3 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 80 |
| Q3 2024 | 79 |
| Q4 2024 | 81 |
| Q1 2025 | 80 |
| Q2 2025 | 78 |
| Q3 2025 | 81 |
| Q4 2025 | 81 |
| Q1 2026 | 76 |
| Q2 2026 | 76 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 19.16% |
| Q3 2024 | 18.94% |
| Q4 2024 | 18.50% |
| Q1 2025 | 18.97% |
| Q2 2025 | 19.12% |
| Q3 2025 | 18.96% |
| Q4 2025 | 18.80% |
| Q1 2026 | 18.77% |
| Q2 2026 | 18.64% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.00% |
| Q3 2024 | 0.15% |
| Q4 2024 | 0.03% |
| Q1 2025 | 0.08% |
| Q2 2025 | 0.33% |
| Q3 2025 | 0.00% |
| Q4 2025 | 0.06% |
| Q1 2026 | 0.32% |
| Q2 2026 | 0.41% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.72% |
| Q3 2024 | 0.83% |
| Q4 2024 | 0.87% |
| Q1 2025 | 0.85% |
| Q2 2025 | 0.85% |
| Q3 2025 | 0.93% |
| Q4 2025 | 0.97% |
| Q1 2026 | 0.63% |
| Q2 2026 | 0.81% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 76 | $456.7M | 18.64% | 0.41% | 0.81% | 121.2% |
| Q1 2026 | 76 | $459.6M | 18.77% | 0.32% | 0.63% | 119.1% |
| Q4 2025 | 81 | $431.2M | 18.80% | 0.06% | 0.97% | 121.3% |
| Q3 2025 | 81 | $443.2M | 18.96% | 0.00% | 0.93% | 120.2% |
| Q2 2025 | 78 | $445.4M | 19.12% | 0.33% | 0.85% | 120.9% |
| Q1 2025 | 80 | $430.0M | 18.97% | 0.08% | 0.85% | 121.0% |
| Q4 2024 | 81 | $430.1M | 18.50% | 0.03% | 0.87% | 118.8% |
| Q3 2024 | 79 | $433.7M | 18.94% | 0.15% | 0.83% | 118.0% |
| Q2 2024 | 80 | $421.0M | 19.16% | 0.00% | 0.72% | 120.5% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Alabama
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Robertson Banking CompanyBank Demopolis, AL | 83 out of 100, Strong | $462.7M | 11.3% | 0.13% | vs |
| The Bank of VernonBank Vernon, AL | 85 out of 100, Very strong | $445.4M | 16.6% | 0.47% | vs |
| First Jackson Bank, Inc.Bank Stevenson, AL | 93 out of 100, Very strong | $444.3M | 14.8% | 0.08% | vs |
| NobleBank & TrustBank Anniston, AL | 81 out of 100, Strong | $444.0M | 11.3% | 0.26% | vs |
| Peoples Independent BankBank Boaz, AL | 75 out of 100, Strong | $485.7M | 9.4% | 0.30% | vs |
| EvaBankBank Eva, AL | 78 out of 100, Strong | $490.6M | 27.8% | 1.61% | vs |
Deposit insurance
Is my money safe at Cullman Savings Bank?
Yes. Cullman Savings Bank is an FDIC-insured institution (FDIC certificate #30167). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 32.4% of deposits ($99.7M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 18.64%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
5 locations
Branches
Cullman Savings Bank lists 4 offices in 2 cities. Most locations:
- Cullman, AL (3)
- Hanceville, AL (1)
Identity & history
Profile
- Legal name
- Cullman Savings Bank
- Former names
- Cullman Savings and Loan Association
- Type
- Savings bank
- FDIC certificate #
- 30167
- RSSD ID
- 934673
- Primary regulator
- OCC
- Holding company
- Cullman Bcorp Inc
- Established
- January 1, 1937
- Headquarters
- 316 2nd Ave Sw, Cullman, AL 35055
- Website
- www.cullmansavingsbank.com
- Employees
- 58
Quick answers
Cullman Savings Bank: common questions
Is Cullman Savings Bank FDIC insured?
Yes. Cullman Savings Bank is an FDIC-insured institution (FDIC certificate #30167). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Cullman Savings Bank's TellerScore?
76 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Cullman Savings Bank ever failed?
There is no failure record for FDIC certificate #30167 in the FDIC failed bank list.
How many branches does Cullman Savings Bank have?
5 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Cullman
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Family Security Credit UnionCredit union Decatur, AL | 95 out of 100, Very strong | $1.1B | 19.9% | 0.61% | vs |
| Redstone Federal Credit UnionCredit union Huntsville, AL | 85 out of 100, Very strong | $8.6B | 13.9% | 0.70% | vs |
| EvaBankBank Eva, AL | 78 out of 100, Strong | $490.6M | 27.8% | 1.61% | vs |
| First National Bank of PulaskiBank Pulaski, TN | 77 out of 100, Strong | $1.5B | 11.3% | 0.24% | vs |
| Peoples Bank of AlabamaBank Cullman, AL | 76 out of 100, Strong | $1.4B | 11.2% | 0.56% | vs |
| Bank of Walker CountyBank Jasper, AL | 75 out of 100, Strong | $98.5M | 11.2% | 0.46% | vs |