TellerScore

Headquartered in Cullman, Alabama, Peoples Bank of Alabama is a state-chartered bank with $1.4B in total assets and $1.3B in deposits as of Q2 2026. It operates 28 offices. Its charter dates back to 1977.

Peoples Bank of Alabama has a TellerScore of 76 out of 100 (strong) based on Q2 2026 data — higher than 80% of its 897 banks with $1 billion – $10 billion. Among 93 banks headquartered in Alabama, it ranks 31st. Earnings contributes the most (97/100, 1.93%); funding & liquidity contributes the least (54/100, 71% loans-to-deposits, 46% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion62/100
Tier 1 leverage ratio: 11.19%
Loan quality81/100
Noncurrent loans ÷ total loans: 0.56%
Earnings97/100
Return on assets (annualized): 1.93%
Funding & liquidity54/100
Loans ÷ deposits and uninsured-deposit share: 71.5% · 46.5% uninsured
Problem-loan coverage93/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 3.45%

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

The score has been essentially flat from Q2 2025 to Q2 2026 (75 → 76).

TellerScore
737577Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202473
Q3 202474
Q4 202474
Q1 202573
Q2 202575
Q3 202577
Q4 202577
Q1 202676
Q2 202676
Tier 1 leverage ratio
5.00%8.09%11.19%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20249.94%
Q3 202410.03%
Q4 202410.32%
Q1 202510.15%
Q2 202510.18%
Q3 202510.42%
Q4 202511.00%
Q1 202611.17%
Q2 202611.19%
Noncurrent loans
0.15%0.35%0.56%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.22%
Q3 20240.15%
Q4 20240.20%
Q1 20250.23%
Q2 20250.16%
Q3 20250.15%
Q4 20250.19%
Q1 20260.46%
Q2 20260.56%
Return on assets
1.82%1.90%1.98%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.82%
Q3 20241.87%
Q4 20241.86%
Q1 20251.86%
Q2 20251.94%
Q3 20251.96%
Q4 20251.98%
Q1 20261.84%
Q2 20261.93%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202676$1.4B11.19%0.56%1.93%71.5%
Q1 202676$1.4B11.17%0.46%1.84%71.0%
Q4 202577$1.4B11.00%0.19%1.98%71.0%
Q3 202577$1.4B10.42%0.15%1.96%68.6%
Q2 202575$1.4B10.18%0.16%1.94%67.2%
Q1 202573$1.4B10.15%0.23%1.86%67.1%
Q4 202474$1.4B10.32%0.20%1.86%70.5%
Q3 202474$1.3B10.03%0.15%1.87%69.7%
Q2 202473$1.3B9.94%0.22%1.82%69.6%

897 peers · $1 billion – $10 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).

Capital ratio11.19%
64th
Total risk-based capital16.98%
82nd
Problem loans0.56%
47th
Net charge-offs0.09%
33rd
Return on assets1.93%
86th
Net interest margin4.60%
90th
Efficiency ratio61.4%
42nd
Loans to deposits71.5%
82nd
Uninsured deposits46.5%
14th
Loan-loss reserves1.62%
90th
Texas ratio3.4%
51st

Similar-size banks in Alabama

InstitutionScoreAssetsCapitalProblem loansCompare
United BankBank Atmore, AL74 out of 100, Strong$1.5B15.8%1.35%vs
First Bank of AlabamaBank Talladega, AL45 out of 100, Below average$1.4B9.8%3.40%vs
SouthPoint BankBank Birmingham, AL21 out of 100, Low$1.4B6.9%3.54%vs
Troy Bank & Trust CompanyBank Troy, AL67 out of 100, Moderate$1.6B12.8%1.35%vs
Citizens Bank & TrustBank Guntersville, AL67 out of 100, Moderate$1.2B8.9%0.08%vs
Metro BankBank Pell City, AL80 out of 100, Strong$1.2B14.7%1.18%vs

Deposit insurance

Is my money safe at Peoples Bank of Alabama?

Yes. Peoples Bank of Alabama is an FDIC-insured institution (FDIC certificate #22537). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 46.5% of deposits ($590.8M) are above the $250,000 FDIC insurance limit, above the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 11.19%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 16.98% (benchmark: 10%).

Check how much of your own balance is covered

28 locations

Branches

Peoples Bank of Alabama lists 28 offices in 25 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Peoples Bank of Alabama reported 167 home-loan applications under HMDA (LEI 5493002XCPKQYCZ56W55): 88 originated ($19,080,000 total), 30 denied, and 33 withdrawn or closed by the applicant. Its denial rate on decided applications was 22.4%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Peoples Bank of Alabama
Former names
Peoples Bank of North Alabama; Peoples Bank of Cullman County; Peoples Bank of Holly Pond
Type
State-chartered bank
FDIC certificate #
22537
RSSD ID
60330
Primary regulator
FDIC
Holding company
Altrust Financial Services Inc
Established
October 24, 1977
Headquarters
1912 Cherokee Ave Sw, Cullman, AL 35055
Employees
281

Quick answers

Peoples Bank of Alabama: common questions

Is Peoples Bank of Alabama FDIC insured?

Yes. Peoples Bank of Alabama is an FDIC-insured institution (FDIC certificate #22537). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Peoples Bank of Alabama'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 Peoples Bank of Alabama ever failed?

There is no failure record for FDIC certificate #22537 in the FDIC failed bank list.

How many branches does Peoples Bank of Alabama have?

28 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Cullman

InstitutionScoreAssetsCapitalProblem loansCompare
Family Security Credit UnionCredit union Decatur, AL95 out of 100, Very strong$1.1B19.9%0.61%vs
Redstone Federal Credit UnionCredit union Huntsville, AL85 out of 100, Very strong$8.6B13.9%0.70%vs
EvaBankBank Eva, AL78 out of 100, Strong$490.6M27.8%1.61%vs
First National Bank of PulaskiBank Pulaski, TN77 out of 100, Strong$1.5B11.3%0.24%vs
Cullman Savings BankBank Cullman, AL76 out of 100, Strong$456.7M18.6%0.41%vs
Bank of Walker CountyBank Jasper, AL75 out of 100, Strong$98.5M11.2%0.46%vs