Side-by-side · Q2 2026 data
Cullman Savings Bank vs NobleBank & Trust
Metric by metric
| Measure | Cullman Savings Bank | NobleBank & Trust |
|---|---|---|
| TellerScore | 76 | 81 (stronger) |
| Capital cushion | 100 (stronger) | 63 |
| Loan quality | 86 | 91 (stronger) |
| Earnings | 52 | 89 (stronger) |
| Funding & liquidity | 31 | 76 (stronger) |
| Problem-loan coverage | 96 | 97 (stronger) |
| Peer percentile | 64th | 80th |
| Total assets | $456.7M | $444.0M |
| Deposits / shares | $308.2M | $396.6M |
| Capital ratio | 18.64% (stronger) | 11.32% |
| Problem loans | 0.41% | 0.26% (stronger) |
| Net charge-offs | 0.61% | 0.02% (stronger) |
| Return on assets | 0.81% | 1.74% (stronger) |
| Loans ÷ deposits | 121.2% | 68.4% (stronger) |
| Uninsured deposits | 32.4% | 29.4% (stronger) |
| Offices | 4 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
NobleBank & Trust has the higher TellerScore (81 vs 76). On the 7 directional measures above (where higher or lower is clearly better), Cullman Savings Bank leads on 1 and NobleBank & Trust on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.