Premier Bank of the South is a state-chartered bank headquartered in Cullman, Alabama, in business for about 39 years. At the end of Q2 2026 it reported $370.6M in total assets and $337.1M in deposits, with 9 offices.
Premier Bank of the South has a TellerScore of 72 out of 100 (strong) based on Q2 2026 data — higher than 50% of its 2,650 banks with $100 million – $1 billion. Among 93 banks headquartered in Alabama, it ranks 49th. Loan quality contributes the most (100/100, 0.00%); capital cushion contributes the least (44/100, 9.37%).
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
The score has been essentially flat from Q2 2025 to Q2 2026 (73 → 72).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 72 |
| Q3 2024 | 72 |
| Q4 2024 | 72 |
| Q1 2025 | 72 |
| Q2 2025 | 73 |
| Q3 2025 | 72 |
| Q4 2025 | 72 |
| Q1 2026 | 71 |
| Q2 2026 | 72 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 9.05% |
| Q3 2024 | 8.95% |
| Q4 2024 | 9.08% |
| Q1 2025 | 9.18% |
| Q2 2025 | 9.28% |
| Q3 2025 | 9.11% |
| Q4 2025 | 9.26% |
| Q1 2026 | 9.29% |
| Q2 2026 | 9.37% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.02% |
| Q3 2024 | 0.04% |
| Q4 2024 | 0.03% |
| Q1 2025 | 0.03% |
| Q2 2025 | 0.04% |
| Q3 2025 | 0.02% |
| Q4 2025 | 0.05% |
| Q1 2026 | 0.03% |
| Q2 2026 | 0.00% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.08% |
| Q3 2024 | 1.09% |
| Q4 2024 | 1.12% |
| Q1 2025 | 1.06% |
| Q2 2025 | 1.13% |
| Q3 2025 | 1.13% |
| Q4 2025 | 1.10% |
| Q1 2026 | 1.00% |
| Q2 2026 | 1.07% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 72 | $370.6M | 9.37% | 0.00% | 1.07% | 68.0% |
| Q1 2026 | 71 | $372.1M | 9.29% | 0.03% | 1.00% | 66.8% |
| Q4 2025 | 72 | $377.1M | 9.26% | 0.05% | 1.10% | 64.4% |
| Q3 2025 | 72 | $367.2M | 9.11% | 0.02% | 1.13% | 64.1% |
| Q2 2025 | 73 | $366.9M | 9.28% | 0.04% | 1.13% | 61.9% |
| Q1 2025 | 72 | $375.2M | 9.18% | 0.03% | 1.06% | 59.8% |
| Q4 2024 | 72 | $367.5M | 9.08% | 0.03% | 1.12% | 58.8% |
| Q3 2024 | 72 | $361.9M | 8.95% | 0.04% | 1.09% | 59.1% |
| Q2 2024 | 72 | $353.6M | 9.05% | 0.02% | 1.08% | 58.2% |
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 |
|---|---|---|---|---|---|
| First National BankBank Hamilton, AL | 97 out of 100, Very strong | $372.7M | 19.0% | 0.25% | vs |
| Marion Community BankBank Marion, AL | 51 out of 100, Below average | $364.2M | 9.8% | 2.30% | vs |
| AmeriFirst BankBank Montgomery, AL | 69 out of 100, Moderate | $364.1M | 9.7% | 0.19% | vs |
| Pinnacle BankBank Jasper, AL | 76 out of 100, Strong | $384.5M | 11.3% | 0.02% | vs |
| First State Bank of DeKalb CountyBank Fort Payne, AL | 86 out of 100, Very strong | $353.8M | 14.1% | 0.84% | vs |
| FirstState BankBank Lineville, AL | 70 out of 100, Strong | $349.4M | 11.1% | 0.72% | vs |
Deposit insurance
Is my money safe at Premier Bank of the South?
Yes. Premier Bank of the South is an FDIC-insured institution (FDIC certificate #27118). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 29.5% of deposits ($99.5M) 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 9.37%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 17.29% (benchmark: 10%).
9 locations
Branches
Premier Bank of the South lists 9 offices in 7 cities. Most locations:
- Cullman, AL (2)
- Vinemont, AL (2)
- Addison, AL (1)
- Eva, AL (1)
- Good Hope, AL (1)
- Huntsville, AL (1)
- Madison, AL (1)
Identity & history
Profile
- Legal name
- Premier Bank of the South
- Former names
- First Commercial Bank of Cullman County
- Type
- State-chartered bank
- FDIC certificate #
- 27118
- RSSD ID
- 1160509
- Primary regulator
- FDIC
- Holding company
- Fcb Bancshares Inc
- Established
- November 30, 1987
- Headquarters
- 101 1st Ave Nw, Cullman, AL 35055
- Employees
- 80
Quick answers
Premier Bank of the South: common questions
Is Premier Bank of the South FDIC insured?
Yes. Premier Bank of the South is an FDIC-insured institution (FDIC certificate #27118). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Premier Bank of the South's TellerScore?
72 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 Premier Bank of the South ever failed?
There is no failure record for FDIC certificate #27118 in the FDIC failed bank list.
How many branches does Premier Bank of the South have?
9 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 |
| Cullman Savings BankBank Cullman, AL | 76 out of 100, Strong | $456.7M | 18.6% | 0.41% | vs |
| Peoples Bank of AlabamaBank Cullman, AL | 76 out of 100, Strong | $1.4B | 11.2% | 0.56% | vs |