Cullman Savings Bank
Cullman, AL
IDRSSD: 934673
Total Assets
$431.36M
Latest filing
Total Deposits
$295.18M
Latest filing
Net Interest Margin
4.19%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Cullman Savings Bank
316 2nd Ave Sw
Cullman, AL 35055
Full Service - Brick and Mortar
Updated 01/30/2026Established 01/01/1937FDIC Certificate 43001
Branches (4)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Cullman Savings Bank (Main) | 316 2nd Ave Sw | Cullman, AL |
| 101 MAIN STREET SW BRANCH | 101 Main Street Sw | Hanceville, AL |
| 3201 ALABAMA HWY 157 BRANCH | 3201 Alabama Highway 157 | Cullman, AL |
| SOUTH BRANCH OFFICE BRANCH | 1652 2nd Ave Sw | Cullman, AL |
| 278 BRANCH | 515 4th Street Sw | Cullman, AL |
Showing 4 of 4
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Federal savings banks, federal charter, supervised by the OCC or (pre-2011) OTS |
| Primary Regulator | OCC |
| Established Date | 01/01/1937 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 35055 |
| State and County Number | 01043 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 06 |
| Numeric code | 33 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Atlanta |
| Core Based Statistical Area Name | Cullman, AL |
Operational Info
| Number of Employees | 52 |
| Domestic Offices | 5 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 12/19/2022 |
| Date of Deposit Insurance | 08/09/1989 |
| Primary Insurance Agency | DIF |
| Website | www.cullmansavingsbank.com |
| Data Updated | 01/30/2026 |
| CERT | 30167 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $431.36M |
| Total Deposits | $295.18M |
| Total Liabilities | $349.88M |
| Total Equity Capital | $81.49M |
| Net Income | $1.28M |
| Net Loans and Leases | $358.11M |
| Assets Per Employee ($Millions) | $8.14M |
| Bank Premises and Fixed Assets | $16.82M |
| Cash and Balances due from Depository Institutions | $17.27M |
| Deposits Held in Domestic Offices | $295.18M |
Key Performance Ratios
| Return on Assets (ROA) | 1.17% |
| Return on Equity (ROE) | 6.25% |
| Net Interest Margin | 4.19% |
| Efficiency Ratio | 67.12% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 18.89% |
| Earning Assets to total Assets | 91.38% |
Income and Expense
| Total Interest Income | $5.94M |
| Total Noninterest Income | $333.00k |
| Total Interest Expense | $1.76M |
| Total Noninterest Expense | $3.03M |
| Net Interest Income | $4.18M |
| Pre-tax Net Operating Income | $1.48M |
| Provision for Credit Losses | $4.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $47.45M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $7.24M |
| Total Liabilities and Capital | $431.36M |
Securities
| Securities | $21.85M |
| Available-for-sale debt securities | $21.85M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Cullman Savings Bank?
$431.36M as of the latest filing.
How much are Cullman Savings Bank's total deposits?
$295.18M in total deposits.
Where is Cullman Savings Bank located?
Cullman, AL.
What is the Net Interest Margin?
4.19%.
How many domestic offices does it operate?
5.
When was it established?
01/01/1937.
What is the Return on Assets (ROA)?
1.17%.
How much are total loans and leases?
$358.11M (latest filing).
What is the total interest income (latest filing)?
$5.94M.