🏦Bank Scorer

CULLMAN SAVINGS BANK

CULLMAN, AL · Supervised by OTS

Est. 1937FDIC #30,167
Satisfactory Same

Current rating · Exam: February 2009

At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.63%

Institution Profile

FDIC BankFind

Address

316 2nd Ave Sw, CULLMAN, AL

County

Cullman County

Established

January 1, 1937

Total Assets

$460M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

February 2, 2009

Exam Type

Small Bank

Regulator

OTS
⚠️This exam is 17 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.
Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$460M

Total Deposits

$313M

Net Loans

$373M

Net Income

$702K

ROA

0.63%

Above avg for Small banks. Peer avg: 0.44%

ROE

3.44%

Risk-Based Capital

0.00%

Below avg for Small banks. Regulatory min: 8%

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

ROA0.63%Peer avg: 0.44%▲ Above avg
Risk-Based Capital0.00%Peer avg: 23.03%▼ Below avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

5

Branch Deposits

$300M

1-Year Change

0

5-year net change: +1 branches

Rating History

CRA / FFIEC

Rating Trend

Stable

Based on last 3 exams

Exam DateRatingExam Type
Feb 2009SatisfactorySmall Bank
Nov 2003SatisfactorySmall Bank
Mar 1999SatisfactorySmall Bank

3 previous ratings locked — back to 1992

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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