Total Assets
$431M
Total balance-sheet footings
FDIC Cert #30167 · Cullman, Alabama · Est. 1937
Cullman Savings Bank - FDIC Bank Health Profile
A community-scale look at Cullman Savings Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $431M
- Total assets
- A
- Health grade · Excellent
- 0.97%
- Return on assets
- 18.8%
- Tier 1 capital
Data updated July 2026
The verdict
Cullman Savings Bank earns a PlainBankData health grade of A (82/100), with well-capitalized at 18.80% Tier 1, 0.97% ROA, 69% efficiency ratio.
- #1,987
- largest of 4,313 FDIC banks by assets
- 54th
- percentile by asset size, nationally
- 18.80%
- Tier 1 ratio - above the 10% well-capitalized line
- 40th
- percentile for profitability (ROA), nationally
This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.
How Cullman Savings Bank's 82/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Cullman Savings Bank's composite health score
Tier 1 Capital Ratio (18.80%) 40/40
Return on Assets (ROA) (0.97%) 14/25
Texas Ratio (0.26%) 20/20
Efficiency Ratio (69.01%) 8/15
82 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$295M
Customer-funded liabilities
Net Loans
$358M
Outstanding loan book
Net Income
$4M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Cullman Savings Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Cullman Savings Bank's score of 82/100 falls in the highlighted band.
Cullman Savings Bank's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Cullman Savings Bank's $431M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
18.80% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
18.80%
Texas Ratio
0.26%
Equity Capital
$81M
Profitability metrics
Return on Assets (ROA)
40th percentile nationally
0.97%
Return on Equity (ROE)
5.23%
Efficiency Ratio
69.01%
What the numbers say about Cullman Savings Bank
Cullman Savings Bank is an FDIC-insured institution (Certificate #30167) headquartered in Cullman, Alabama, established in 1937. It holds $431M in total assets - 1,987th of 4,313 FDIC-insured banks, $295M in customer deposits, and $358M in net loans. Looking at capital strength, Tier 1 stands at 18.80%, over the 10% well-capitalized line regulators set, while the Texas Ratio comes in at 0.26%, comfortably below the 50% caution mark. It earns a PlainBankData health grade of A (82/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Within Alabama, Cullman Savings Bank ranks 34th of 94 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$23M
Interest Income
$1M
Non-Interest Income
$12M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Cullman Savings Bank reports a Texas Ratio of 0.26% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
0.26% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Alabama by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Cullman Savings Bank (FDIC Cert #30167) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Alabama
All Alabama banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Regions BankBirmingham | $157.4B | A | 1.43% |
| ServisFirst BankBirmingham | $17.7B | A | 1.58% |
| River Bank & TrustPrattville | $3.8B | A | 1.18% |
| Bank IndependentSheffield | $3.0B | B | 1.01% |
| Bryant BankTuscaloosa | $2.9B | A | 1.69% |
| CB&S Bank, Inc.Russellville | $2.9B | C | 0.85% |
| Oakworth Capital BankBirmingham | $2.0B | B | 1.17% |
| Troy Bank & Trust CompanyTroy | $1.6B | A | 1.34% |
Frequently asked questions
What is Cullman Savings Bank's health grade?▼
Cullman Savings Bank receives a health grade of A (82/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is Cullman Savings Bank?▼
Cullman Savings Bank holds $431M in total assets and $295M in deposits, ranking 1,987th of 4,313 FDIC-insured banks by asset size. It is headquartered in Cullman, Alabama.
Is my money safe at Cullman Savings Bank?▼
Yes, deposits at Cullman Savings Bank (Certificate #30167) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Cullman Savings Bank's Tier 1 Capital Ratio?▼
Cullman Savings Bank has a Tier 1 Capital Ratio of 18.80%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for Cullman Savings Bank?▼
Cullman Savings Bank has a Texas Ratio of 0.26%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Cullman Savings Bank?▼
Cullman Savings Bank has an Efficiency Ratio of 69.01%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Cullman Savings Bank's profile as a depositor or analyst.
- Cullman Savings Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Cullman Savings Bank against other Alabama banks before moving funds. Alabama banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.