Side-by-side · Q2 2026 data
Peoples Bank of Alabama vs Cullman Savings Bank
Metric by metric
| Measure | Peoples Bank of Alabama | Cullman Savings Bank |
|---|---|---|
| TellerScore | 76 | 76 |
| Capital cushion | 62 | 100 (stronger) |
| Loan quality | 81 | 86 (stronger) |
| Earnings | 97 (stronger) | 52 |
| Funding & liquidity | 54 (stronger) | 31 |
| Problem-loan coverage | 93 | 96 (stronger) |
| Peer percentile | 80th | 64th |
| Total assets | $1.4B | $456.7M |
| Deposits / shares | $1.3B | $308.2M |
| Capital ratio | 11.19% | 18.64% (stronger) |
| Problem loans | 0.56% | 0.41% (stronger) |
| Net charge-offs | 0.09% (stronger) | 0.61% |
| Return on assets | 1.93% (stronger) | 0.81% |
| Loans ÷ deposits | 71.5% (stronger) | 121.2% |
| Uninsured deposits | 46.5% | 32.4% (stronger) |
| Offices | 28 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 22.4% | — |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), Peoples Bank of Alabama leads on 3 and Cullman Savings 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