Side-by-side · Q2 2026 data
First National Bank of Pulaski vs Cullman Savings Bank
Metric by metric
| Measure | First National Bank of Pulaski | Cullman Savings Bank |
|---|---|---|
| TellerScore | 77 (stronger) | 76 |
| Capital cushion | 63 | 100 (stronger) |
| Loan quality | 92 (stronger) | 86 |
| Earnings | 76 (stronger) | 52 |
| Funding & liquidity | 67 (stronger) | 31 |
| Problem-loan coverage | 96 | 96 |
| Peer percentile | 83rd | 64th |
| Total assets | $1.5B | $456.7M |
| Deposits / shares | $1.3B | $308.2M |
| Capital ratio | 11.32% | 18.64% (stronger) |
| Problem loans | 0.24% (stronger) | 0.41% |
| Net charge-offs | 0.01% (stronger) | 0.61% |
| Return on assets | 1.40% (stronger) | 0.81% |
| Loans ÷ deposits | 76.3% (stronger) | 121.2% |
| Uninsured deposits | 29.7% (stronger) | 32.4% |
| Offices | 13 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 5.6% | — |
First National Bank of Pulaski has the higher TellerScore (77 vs 76). On the 7 directional measures above (where higher or lower is clearly better), First National Bank of Pulaski leads on 6 and Cullman Savings Bank on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.