Side-by-side · Q2 2026 data
Premier Bank of the South vs Cullman Savings Bank
Metric by metric
| Measure | Premier Bank of the South | Cullman Savings Bank |
|---|---|---|
| TellerScore | 72 | 76 (stronger) |
| Capital cushion | 44 | 100 (stronger) |
| Loan quality | 100 (stronger) | 86 |
| Earnings | 63 (stronger) | 52 |
| Funding & liquidity | 76 (stronger) | 31 |
| Problem-loan coverage | 100 (stronger) | 96 |
| Peer percentile | 50th | 64th |
| Total assets | $370.6M | $456.7M |
| Deposits / shares | $337.1M | $308.2M |
| Capital ratio | 9.37% | 18.64% (stronger) |
| Problem loans | 0.00% (stronger) | 0.41% |
| Net charge-offs | -0.15% (stronger) | 0.61% |
| Return on assets | 1.07% (stronger) | 0.81% |
| Loans ÷ deposits | 68.0% (stronger) | 121.2% |
| Uninsured deposits | 29.5% (stronger) | 32.4% |
| Offices | 9 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Cullman Savings Bank has the higher TellerScore (76 vs 72). On the 7 directional measures above (where higher or lower is clearly better), Premier Bank of the South leads on 5 and Cullman Savings Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.