# CULLMAN SAVINGS BANK
CULLMAN, AL · FDIC certificate 30167 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 4 (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 | $456.7M | |
| Deposits | $308.2M | |
| Loans and leases | $376.4M | |
| Total equity | $83.4M | |
| Loans / deposits | 121.19% (p99 of band) | 82.04% |
| Liquid assets / assets | 10.49% (p6 of band) | |
| Uninsured deposits / deposits | 32.36% (p73 of band) | 25.97% |
| Brokered deposits | 5.69% | |
| Wholesale funding | 18.27% (p92 of band) | |
| FHLB advances / assets | 12.04% | |
| Tier 1 leverage | 18.64% (p96 of band) | 10.81% |
| Unrealized securities loss / equity | -3.38% (p70 of band) | -8.10% |
| AOCI / equity | -0.11% (p66 of band) | |
| ROA (annualized) | 0.81% (p21 of band) | 1.28% |
| Net interest margin | 4.19% (p66 of band) | 3.91% |
| Efficiency ratio | 64.53% (p60 of band) | |
| Noncurrent loans | 0.41% (p49 of band) | 0.43% |
| Net charge-offs (annualized) | 0.50% (p97 of band) | |
| Reserve coverage of noncurrent | 184.65% | |
| Real estate % of loans | 92% | |
| Construction % of loans | 29.78% (p36 of band) | |
| Auto loans | $1.3M (0.36% of loans; DQ 0.52%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 2.9% | |
| Employees | 58 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **wholesale funding >15%** (`liq_wholesale`)
- **capital falling** (`cap_falling`)
- **charge-offs p90** (`aq_nco`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | loans exceed deposits, wholesale funding >15% |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 2 |  |  |
| 2011-12 | 3 | reserve under noncurrent |  |
| 2012-03 | 3 | uninsured deposits leaving | reserve under noncurrent |
| 2012-06 | 6 | reserve under noncurrent, deposits shrinking, assets shrinking |  |
| 2012-09 | 5 |  | deposits shrinking |
| 2012-12 | 4 |  | assets shrinking |
| 2013-03 | 3 |  | uninsured deposits leaving |
| 2013-06 | 2 |  | reserve under noncurrent |
| 2013-09 | 2 |  |  |
| 2013-12 | 2 |  |  |
| 2014-03 | 2 |  |  |
| 2014-06 | 2 |  |  |
| 2014-09 | 2 |  |  |
| 2014-12 | 2 |  |  |
| 2015-03 | 4 | capital falling, reserve under noncurrent |  |
| 2015-06 | 3 |  | capital falling |
| 2015-09 | 3 |  |  |
| 2015-12 | 3 |  |  |
| 2016-03 | 3 |  |  |
| 2016-06 | 4 | capital falling |  |
| 2016-09 | 3 |  | capital falling |
| 2016-12 | 3 |  |  |
| 2017-03 | 3 |  |  |
| 2017-06 | 2 |  | reserve under noncurrent |
| 2017-09 | 2 |  |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 2 |  |  |
| 2018-06 | 2 |  |  |
| 2018-09 | 2 |  |  |
| 2018-12 | 2 |  |  |
| 2019-03 | 2 |  |  |
| 2019-06 | 2 |  |  |
| 2019-09 | 2 |  |  |
| 2019-12 | 2 |  |  |
| 2020-03 | 2 |  |  |
| 2020-06 | 2 |  |  |
| 2020-09 | 2 |  |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 2 |  |  |
| 2021-06 | 0 |  | loans exceed deposits, wholesale funding >15% |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 1 | loans exceed deposits |  |
| 2022-09 | 2 | capital falling |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 1 |  | capital falling |
| 2023-06 | 1 |  |  |
| 2023-09 | 1 |  |  |
| 2023-12 | 3 | deposits shrinking, uninsured deposits leaving |  |
| 2024-03 | 2 | charge-offs p90 | deposits shrinking, uninsured deposits leaving |
| 2024-06 | 3 | liquid assets <10% |  |
| 2024-09 | 1 |  | charge-offs p90, liquid assets <10% |
| 2024-12 | 3 | liquid assets <10%, capital falling |  |
| 2025-03 | 2 |  | capital falling |
| 2025-06 | 2 | wholesale funding >15% | liquid assets <10% |
| 2025-09 | 2 |  |  |
| 2025-12 | 3 | liquid assets <10%, capital falling | wholesale funding >15% |
| 2026-03 | 4 | wholesale funding >15%, charge-offs p90 | liquid assets <10% |
| 2026-06 | 4 |  |  |

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

- 2021-08-11 [One of Cullman’s founding financial institutions is going public - Business Alabama Magazine](https://news.google.com/rss/articles/CBMilwFBVV95cUxOaFcwaWpXSnBBeDlMcS11NzRiam5Rc0Jha205bWc5WjhIblhXY3FJWFNwUzREZkFHYmZKSjduQ0FWMmxfN2xlWEI1cm00a2tTT3pZTGxRa1htdDFXdHkxenV1dmMxY3E2OTFCYVFxTmxyMXI0WVRMOUlEX0p6Yzdqc3NPNmpHZXZlMnBfdEdpWmpMN3o4dEc4?oc=5) · Business Alabama Magazine
- 2024-05-28 [Investing in the community - City Lifestyle](https://news.google.com/rss/articles/CBMibkFVX3lxTE1LaGdFZnNOclhHMEoyTXI1djE4eDBLQnpkVWxEbXNfUnhFNTZNaEp6R2tEOFl1N2U2VE93TmNEVW02MXBmVFpwUFo4aWt5SEIxVzZFblZMWGVjaDJrZE5rRktza3RncG1TbDlFVWx3?oc=5) · City Lifestyle
- 2024-05-02 [Flying Fifty Hotel, Cullman Savings Bank name new tenants - The Cullman Tribune](https://news.google.com/rss/articles/CBMioAFBVV95cUxOMk5tbl9vOTZCYVlzNXlhNzZHZ21KbE00RC1CWVMxMVkxTjdNT3pmRXhsbl96bVFQTDZ4RFZyeXFidzZmRENkUFpBblFUR3JEODcwWjQyZUpJWHhWV3FEX0ZsWnNVSHJiTXg0TEw1VjQ5cFBzR1RWcFozRE5XNU9EZG5IUFdiYWpHQ09xLXg3N0RTQng1U2NvSjB1dmpFY2Rl?oc=5) · The Cullman Tribune
- 2021-08-11 [Caring for Cullman concert gets boost from Cullman Savings Bank - The Cullman Times](https://news.google.com/rss/articles/CBMiogFBVV95cUxPel9vcXRMTl9pZkVyeWFtQ2pnTkNXRVhjcVZoUlRXblVpRF9MWW9qVk5HMndYY3VnV01IRGRoMDB3c2J2Y3VLTnJXT001bGZ6ejZIWUk0MEpBN3hvMzdpcXJvVjladzBCczA2emt2YVV3T2k4Y2RoRTc4VDdxWlVXdGZLNU91eGF6QzFnR2JDdnVheW5kbEN6YlBQeFVlU1l0QVE?oc=5) · The Cullman Times
- 2023-09-29 [A friend of the community - John Riley - City Lifestyle](https://news.google.com/rss/articles/CBMie0FVX3lxTE1Ed2dIUEx4b2pCNzRDcnJ1VTdLcW9MQ0JBNEtBUFoyQW54bEdDWmNmeHkzcC1DcDVScXdlTm5QVWxsWG1lM1Y0a0hkbl9CZTFmdkZwY2sxbFRmV0NoOVAtcDJNR0RTeHVUNnJaZjRwRUtZYkdXS2RqekY2dw?oc=5) · City Lifestyle
- 2020-02-15 [Wallace State Arena Named for Traditions Bank - Wallace State](https://news.google.com/rss/articles/CBMikAFBVV95cUxPOUh5RzVlOHVzclJjUkdiWDlNNENlX0NrLU94TlZwRkJ0YTJGMmd0QnVMT1VsSWc5MFlwUFNmWnpVLVdEdE91U09oaEdJbEZ6WnFkd04tSHM5eXpPWGVWM3RuQmxycUxoTFNiUUU4cGZhUW84Z2lGTGxrSUJJYXM2V0doSDVENW9Ud2I4MDFIUU8?oc=5) · Wallace State
- 2023-02-28 [Cullman Savings Bank donates $5K to Pilot Light Home - The Cullman Tribune](https://news.google.com/rss/articles/CBMimgFBVV95cUxQTnJXNmpsMWxBT1loU2hBaFNjbGRNZkREWWpRdVQyRjIta0N0OUZHa21SZWlyakhwcEZXZDZvRDVzeUFmVkJCUkpHajZ6RXd4bHlCeGlqOHVSRTN5dEJjSU5Kd1dlOWJ0c1RSYlJmUFRJMWhjTFM4YkZhWXAtQ0J5eHFjbXE1d01PWmVIck1ETWlZTkhsTDFiSW5n?oc=5) · The Cullman Tribune
- 2016-02-25 [Cullman bank robbery suspect indicted in federal court - The Cullman Times](https://news.google.com/rss/articles/CBMilgFBVV95cUxPckFwSlQ2MHJ4OWsxMnVyZWtFb0hDMF91c1lJanVQU2JKSDBqaURKZlIwOXdXZjdBTjR2Vi02UmdidlFrXzN5d3ZXM19WT09NcjNMUnExZWk5c2VnS2dFeG5TbUpyeDF3YXMxbFo0SVJUbjA0eEhKTnBhN3ZTa2dmTWJzT0dWeHd2Z2lWX0pqcldUM0tBamc?oc=5) · The Cullman Times

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=30167 (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/23.json (key "30167", 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