Side-by-side · Q2 2026 data
Cullman Savings Bank vs Traditions Bank
Metric by metric
| Measure | Cullman Savings Bank | Traditions Bank |
|---|---|---|
| TellerScore | 76 (stronger) | 65 |
| Capital cushion | 100 (stronger) | 55 |
| Loan quality | 86 (stronger) | 73 |
| Earnings | 52 | 65 (stronger) |
| Funding & liquidity | 31 | 62 (stronger) |
| Problem-loan coverage | 96 (stronger) | 80 |
| Peer percentile | 64th | 29th |
| Total assets | $456.7M | $890.9M |
| Deposits / shares | $308.2M | $756.1M |
| Capital ratio | 18.64% (stronger) | 10.50% |
| Problem loans | 0.41% (stronger) | 0.80% |
| Net charge-offs | 0.61% (stronger) | 0.61% |
| Return on assets | 0.81% | 1.12% (stronger) |
| Loans ÷ deposits | 121.2% | 94.7% (stronger) |
| Uninsured deposits | 32.4% | 18.8% (stronger) |
| Offices | 4 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 0.8% |
Cullman Savings Bank has the higher TellerScore (76 vs 65). On the 7 directional measures above (where higher or lower is clearly better), Cullman Savings Bank leads on 4 and Traditions Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Cullman, AL
- Hanceville, AL