Side-by-side · Q2 2026 data
EvaBank vs Cullman Savings Bank
Metric by metric
| Measure | EvaBank | Cullman Savings Bank |
|---|---|---|
| TellerScore | 78 (stronger) | 76 |
| Capital cushion | 100 | 100 |
| Loan quality | 46 | 86 (stronger) |
| Earnings | 100 (stronger) | 52 |
| Funding & liquidity | 50 (stronger) | 31 |
| Problem-loan coverage | 88 | 96 (stronger) |
| Peer percentile | 72nd | 64th |
| Total assets | $490.6M | $456.7M |
| Deposits / shares | $340.6M | $308.2M |
| Capital ratio | 27.85% (stronger) | 18.64% |
| Problem loans | 1.61% | 0.41% (stronger) |
| Net charge-offs | 0.40% (stronger) | 0.61% |
| Return on assets | 2.53% (stronger) | 0.81% |
| Loans ÷ deposits | 114.1% (stronger) | 121.2% |
| Uninsured deposits | 14.2% (stronger) | 32.4% |
| Offices | 6 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
EvaBank has the higher TellerScore (78 vs 76). On the 7 directional measures above (where higher or lower is clearly better), EvaBank leads on 6 and Cullman Savings Bank on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.