Side-by-side · Q2 2026 data
Peoples Independent Bank vs Cullman Savings Bank
Metric by metric
| Measure | Peoples Independent Bank | Cullman Savings Bank |
|---|---|---|
| TellerScore | 75 | 76 (stronger) |
| Capital cushion | 44 | 100 (stronger) |
| Loan quality | 90 (stronger) | 86 |
| Earnings | 84 (stronger) | 52 |
| Funding & liquidity | 88 (stronger) | 31 |
| Problem-loan coverage | 97 (stronger) | 96 |
| Peer percentile | 61st | 64th |
| Total assets | $485.7M | $456.7M |
| Deposits / shares | $441.3M | $308.2M |
| Capital ratio | 9.41% | 18.64% (stronger) |
| Problem loans | 0.30% (stronger) | 0.41% |
| Net charge-offs | 0.03% (stronger) | 0.61% |
| Return on assets | 1.60% (stronger) | 0.81% |
| Loans ÷ deposits | 42.5% (stronger) | 121.2% |
| Uninsured deposits | 26.1% (stronger) | 32.4% |
| Offices | 9 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 12.9% | — |
Cullman Savings Bank has the higher TellerScore (76 vs 75). On the 7 directional measures above (where higher or lower is clearly better), Peoples Independent Bank leads on 5 and Cullman Savings Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.