Side-by-side · Q2 2026 data
The Bank of Vernon vs Cullman Savings Bank
Metric by metric
| Measure | The Bank of Vernon | Cullman Savings Bank |
|---|---|---|
| TellerScore | 85 (stronger) | 76 |
| Capital cushion | 100 | 100 |
| Loan quality | 84 | 86 (stronger) |
| Earnings | 71 (stronger) | 52 |
| Funding & liquidity | 69 (stronger) | 31 |
| Problem-loan coverage | 94 | 96 (stronger) |
| Peer percentile | 88th | 64th |
| Total assets | $445.4M | $456.7M |
| Deposits / shares | $373.6M | $308.2M |
| Capital ratio | 16.60% | 18.64% (stronger) |
| Problem loans | 0.47% | 0.41% (stronger) |
| Net charge-offs | 0.10% (stronger) | 0.61% |
| Return on assets | 1.27% (stronger) | 0.81% |
| Loans ÷ deposits | 87.8% (stronger) | 121.2% |
| Uninsured deposits | 18.2% (stronger) | 32.4% |
| Offices | 4 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The Bank of Vernon has the higher TellerScore (85 vs 76). On the 7 directional measures above (where higher or lower is clearly better), The Bank of Vernon leads on 5 and Cullman Savings Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.