First Community Bank of Cullman
Cullman, AL
IDRSSD: 812379
Total Assets
$85.52M
Latest filing
Total Deposits
$67.04M
Latest filing
Net Interest Margin
4.09%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
First Community Bank of Cullman
420 2nd Ave Sw
Cullman, AL 35055
Full Service - Brick and Mortar
Updated 11/14/2025Established 01/01/1905FDIC Certificate 43000
Branches (0)
Page 1 of 1| Name | Address | City / State | ||
|---|---|---|---|---|
| No branch data available. | ||||
| First Community Bank of Cullman (Main) | 420 2nd Ave Sw | Cullman, AL | ||
Quarterly Trends
Tooltip shows Quarter only. Download buttons export the chart only (CSV/PNG with white background).
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 | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 01/01/1905 |
| 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 | 21 |
| 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 | 15 |
| Domestic Offices | 1 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 10/01/2025 |
| Date of Deposit Insurance | 08/09/1989 |
| Primary Insurance Agency | DIF |
| Website | www.fcbcullman.com |
| Data Updated | 11/14/2025 |
| CERT | 30166 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $85.52M |
| Total Deposits | $67.04M |
| Total Liabilities | $73.47M |
| Total Equity Capital | $12.05M |
| Net Income | $-136,000 |
| Net Loans and Leases | $71.38M |
| Assets Per Employee ($Millions) | $6.11M |
| Bank Premises and Fixed Assets | $4.40M |
| Cash and Balances due from Depository Institutions | $0 |
| Deposits Held in Domestic Offices | $67.04M |
Key Performance Ratios
| Return on Assets (ROA) | -0.61% |
| Return on Equity (ROE) | -4.48% |
| Net Interest Margin | 4.09% |
| Efficiency Ratio | 122.33% |
| 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 | 14.093% |
| Earning Assets to total Assets | 89.8% |
Income and Expense
| Total Interest Income | $1.22M |
| Total Noninterest Income | $75.00k |
| Total Interest Expense | $399.00k |
| Total Noninterest Expense | $1.09M |
| Net Interest Income | $816.00k |
| Pre-tax Net Operating Income | $-199,000 |
| Provision for Credit Losses | $0 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $6.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $425.00k |
| Total Liabilities and Capital | $85.52M |
Securities
| Securities | $847.00k |
| Available-for-sale debt securities | $847.00k |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of First Community Bank of Cullman?
$85.52M as of the latest filing.
How much are First Community Bank of Cullman's total deposits?
$67.04M in total deposits.
Where is First Community Bank of Cullman located?
Cullman, AL.
What is the Net Interest Margin?
4.09%.
How many domestic offices does it operate?
1.
When was it established?
01/01/1905.
What is the Return on Assets (ROA)?
-0.61%.
How much are total loans and leases?
$71.38M (latest filing).
What is the total interest income (latest filing)?
$1.22M.