# PREMIER BANK OF THE SOUTH
CULLMAN, AL · FDIC certificate 27118 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $370.6M | |
| Deposits | $337.1M | |
| Loans and leases | $231.8M | |
| Total equity | $31.6M | |
| Loans / deposits | 67.98% (p22 of band) | 82.04% |
| Liquid assets / assets | 34.41% (p74 of band) | |
| Uninsured deposits / deposits | 29.53% (p65 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p11 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.37% (p20 of band) | 10.81% |
| Unrealized securities loss / equity | -9.85% (p44 of band) | -8.10% |
| AOCI / equity | -0.42% (p46 of band) | |
| ROA (annualized) | 1.07% (p37 of band) | 1.28% |
| Net interest margin | 4.14% (p63 of band) | 3.91% |
| Efficiency ratio | 73.79% (p80 of band) | |
| Noncurrent loans | 0.00% (p4 of band) | 0.43% |
| Net charge-offs (annualized) | -0.09% (p1 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 79% | |
| Construction % of loans | 39.04% (p46 of band) | |
| Auto loans | $7.1M (3.06% of loans; DQ 3.23%, NCO 0.02%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 0.5% | |
| Employees | 80 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 1 | capital falling |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 0 |  | capital falling |
| 2012-12 | 0 |  |  |
| 2013-03 | 1 | charge-offs p90 |  |
| 2013-06 | 2 | capital falling |  |
| 2013-09 | 1 |  | capital falling |
| 2013-12 | 1 |  |  |
| 2014-03 | 0 |  | charge-offs p90 |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 1 | capital falling |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 1 |  |  |
| 2015-09 | 0 |  | capital falling |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 1 | capital falling |  |
| 2017-09 | 0 |  | capital falling |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 1 | capital falling |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 0 |  | capital falling |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 1 | charge-offs p90 |  |
| 2020-03 | 0 |  | charge-offs p90 |
| 2020-06 | 1 | capital falling |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 0 |  | capital falling |
| 2021-03 | 0 |  |  |
| 2021-06 | 1 | charge-offs p90 |  |
| 2021-09 | 0 |  | charge-offs p90 |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 2 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-09 | 2 |  |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 1 |  | AOCI drag >20% of equity |
| 2023-06 | 3 | deposits shrinking, uninsured deposits leaving |  |
| 2023-09 | 4 | assets shrinking |  |
| 2023-12 | 1 | charge-offs p90 | securities losses >30% of equity, deposits shrinking, uninsured deposits leaving, assets shrinking |
| 2024-03 | 1 | capital falling | charge-offs p90 |
| 2024-06 | 2 | charge-offs p90 |  |
| 2024-09 | 1 |  | charge-offs p90 |
| 2024-12 | 0 |  | capital falling |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-02-22 ['Off Air': Cullman County podcast offers authentic discussions with local leaders - 1819 News](https://news.google.com/rss/articles/CBMirgFBVV95cUxQdVgtUE5aeUJ3bXRSMVlUWnJGTmgxZlh4M3V0M2d3NTZwc2s2U1FBTVE0ZDFrVDZEanN3Ui1LRzdCZm5iSThCcXAtbVpfMl9DQ2I2S0xJRzZiUWlHY25yZmZRQkx0STVyM2I5MmNzWGlhNTVBWE9VbUs3UUFQanp4VzM4QmxBLWhXeVlEUnJocDRfaTdRRlRPT2dEVE94dGd2VFVQZUJRNF9sSkxkNHc?oc=5) · 1819 News
- 2020-12-02 [Mullins named president of Premier Bank of the South - The Cullman Tribune](https://news.google.com/rss/articles/CBMimwFBVV95cUxONV9lMlJ0XzRSbkpjcVZJZlBtQzU2S1ZTcVlTQWxxSnZHeURtQUp6QXBnc1BlTTJvOGwyeHNDS1Y4aExUY0E2cEN2WHRfTXAwUVo4S3QySmZKYmRTS1NIcGszT2UxdVdZV2lidEgzOFktamJqcjBrOGR6VlBhQVdQVFpWeU95THB0Z2dydkJ6ZEx4Qlk3UFQwWTlZQQ?oc=5) · The Cullman Tribune
- 2024-05-28 [Investing in the community - City Lifestyle](https://news.google.com/rss/articles/CBMibkFVX3lxTE1LaGdFZnNOclhHMEoyTXI1djE4eDBLQnpkVWxEbXNfUnhFNTZNaEp6R2tEOFl1N2U2VE93TmNEVW02MXBmVFpwUFo4aWt5SEIxVzZFblZMWGVjaDJrZE5rRktza3RncG1TbDlFVWx3?oc=5) · City Lifestyle
- 2025-05-05 [David Wiggins announces candidacy for Cullman City Schools Board of Education, Place 2 - The Cullman Times](https://news.google.com/rss/articles/CBMivwFBVV95cUxQVDJNTXpHOV9JWUxPUkktZ2hyQWxjQmgtYnQwby0xMGZ3NE54cTUwbkpQLVlrRGZ1c1NKV0cxWXN5N29ZdGJZWGNMbmVXLXJNVGFGYWxxcC1lV2VVaXh2ZTl3SjFxWUFfcGp3eXlXN2VlQ3NaXzV0cEN5OXp4dE80WkJjWDVlWFhlallmUHhvdEwyNF9ZbDRtUlhjam1BeFJkTUppX0o0R2FoUGswb0tPTHZmM2Fib2tKVFJCeldxbw?oc=5) · The Cullman Times
- 2021-09-22 [Google Pay growth continues to explode, with dozens upon dozens of new banks signing on - androidpolice.com](https://news.google.com/rss/articles/CBMijAFBVV95cUxQRjVBSkRYUnhSaHFFUTJvZGt2X0R0RnZtcWp6MUUtQjR3R3RXNmc1Umo4Q3NaV0VKVVpsYTRCSVkzb0dfdmhWS05ZWnpQYWh6d3gzc0VVVzBCYXM0MnBCbG9kekdMdnBfZk9selhhTkhDV2pCMGxUNXVlNG5wMmpodURVQWxjanVxT0VhYQ?oc=5) · androidpolice.com
- 2017-12-01 [Premier Bank celebrates 30 years of business - The Cullman Tribune](https://news.google.com/rss/articles/CBMikAFBVV95cUxNWFFaQVc2c01SNHhza0ZOTlA1c3VLdzdMTFRTbms0R09nTm1zZHJjYWs5UXVXaFVfdVBKc0NUMFVleW43Mm41UGFjRTd6S1pYMnZ1SmZGdk5WdWVvSEN4c3Y2Z3lqMWVFRkRYVC1PdzhGdERVSjdMdkxnTnNkZWQ2VEZfM2xhZDB3S2hmZ0FHZWw?oc=5) · The Cullman Tribune
- 2012-09-17 [Better Business Bureau of North Alabama holding 'Start with Trust' online auction - AL.com](https://news.google.com/rss/articles/CBMilAFBVV95cUxOLUY1dFV6MW81a3VkWVhOclZmbFd2OXdES1BoeEZSNWw0RUtuVmhlM0VFb1ZXZktuTTdwT2pHaUFHS1dUOGtuNUktOWVXZnNKU2RncDg0Z1dRd1YtQURHOXU1bUs0T1YwQXRGckkybzVSMWxTMXZSdWYzVUNTUjRRZXBuYzhkUjRLV0tBaVBmYkZVcjJ2?oc=5) · AL.com
- 2026-03-19 [West Point, Premier Bank partner up with $50K on playground expansion project - The Cullman Tribune](https://news.google.com/rss/articles/CBMiugFBVV95cUxPQU5CXy1Rdi1QcVc0VHVIM1h3MGtLVTd4bVFwSUtnWjZBQ2pyWlVpYk92X09ucVNjTnEwdE1mMVY1bk9MbE9XOUtxRzhoVC05bC1LMmt1cTFzeTV3c3psYV9pU1JKQS1VdXRUSUlQOG9rR1VySC1lTFZsdUJzYWN6T29fbURSWHJHbVpHd3FVV0tnR2drbDhqQko0UGJSb09ua3V0RUtfck9ya0ZuZHJiMzBLVVU3X2tGQXc?oc=5) · The Cullman Tribune

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=27118 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/46.json (key "27118", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide