🏦Bank Scorer

PREMIER BANK OF THE SOUTH

CULLMAN, AL · Supervised by FDIC

Est. 1987FDIC #27,118RSSD: FDIC-27118
Part ofFCB BANCSHARES INC→ View all charters
Satisfactory Same

Current rating · Exam: April 2024

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.00%

Institution Profile

FDIC BankFind

Address

101 1st Ave Nw, CULLMAN, AL

County

Cullman County

Established

November 30, 1987

Total Assets

$372M(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

April 1, 2024

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Apr 2029(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$372M

Total Deposits

$339M

Net Loans

$226M

Net Income

$933K

ROA

1.00%

ROE

11.84%

Risk-Based Capital

16.81%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

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

Mortgage Denial Rate2.38%Peer avg: 7.63%▲ Above avg

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Branch Footprint

FDIC SOD 2025

Total Branches

9

Branch Deposits

$335M

1-Year Change

0

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202412697.62%2.38%
202312298.36%1.64%
202216798.8%1.20%
202116697.59%2.41%
202012596.8%3.20%
201914799.32%0.68%
2018125100%0.00%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

5 previous ratings locked — dating back to 1991

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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