Peoples Bank of Alabama
Cullman, AL
IDRSSD: 60330
Total Assets
$1.41B
Latest filing
Total Deposits
$1.25B
Latest filing
Net Interest Margin
4.65%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Peoples Bank of Alabama
1912 Cherokee Ave Sw
Cullman, AL 35055
Full Service - Brick and Mortar
Updated 01/30/2026Established 10/24/1977FDIC Certificate 15719
Branches (27)
Page 1 of 4| Name | Address | City / State |
|---|---|---|
| Peoples Bank of Alabama (Main) | 1912 Cherokee Ave Sw | Cullman, AL |
| PARKWAY BRANCH | 910 N Brindlee Mountain Pkwy | Arab, AL |
| BOAZ BRANCH | 200 Billy Dyar Blvd | Boaz, AL |
| PELHAM BRANCH | 2267 Pelham Pkwy | Pelham, AL |
| HOLLY POND BRANCH | 10695 Us Highway 278 E | Holly Pond, AL |
| HANCEVILLE BRANCH | 204 Main St Ne | Hanceville, AL |
| BAILEYTON BRANCH | 12081 Alabama Highway 69 North | Baileyton, AL |
| GARDENDALE BRANCH | 336 Fieldstown Rd | Gardendale, AL |
Showing 7 of 27
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 | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 10/24/1977 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 35055 |
| State and County Number | 01043 |
| Subchapter S Corporations | Yes |
| Trust Powers | Limited Trust Powers Granted |
| 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 | 278 |
| Domestic Offices | 28 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2023 |
| Date of Deposit Insurance | 10/24/1977 |
| Primary Insurance Agency | DIF |
| Website | www.peoplesbankal.com |
| Data Updated | 01/30/2026 |
| CERT | 22537 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $1.41B |
| Total Deposits | $1.25B |
| Total Liabilities | $1.27B |
| Total Equity Capital | $142.09M |
| Net Income | $7.25M |
| Net Loans and Leases | $889.28M |
| Assets Per Employee ($Millions) | $5.1M |
| Bank Premises and Fixed Assets | $28.41M |
| Cash and Balances due from Depository Institutions | $214.66M |
| Deposits Held in Domestic Offices | $1.25B |
Key Performance Ratios
| Return on Assets (ROA) | 2.05% |
| Return on Equity (ROE) | 20.95% |
| Net Interest Margin | 4.65% |
| Efficiency Ratio | 59.43% |
| Tier 1 Risk-Based Capital Ratio | 15.773% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.01% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 10.093% |
| Earning Assets to total Assets | 94.19% |
Income and Expense
| Total Interest Income | $20.16M |
| Total Noninterest Income | $3.55M |
| Total Interest Expense | $4.64M |
| Total Noninterest Expense | $11.38M |
| Net Interest Income | $15.52M |
| Pre-tax Net Operating Income | $7.67M |
| Provision for Credit Losses | $26.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $366.00k |
| Other borrowed funds | $12.00k |
| Federal Funds Sold & Reverse Repurchase Agreement | $23.60M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $13.12M |
| Total Liabilities and Capital | $1.41B |
Securities
| Securities | $212.66M |
| Available-for-sale debt securities | $212.66M |
| 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 Peoples Bank of Alabama?
$1.41B as of the latest filing.
How much are Peoples Bank of Alabama's total deposits?
$1.25B in total deposits.
Where is Peoples Bank of Alabama located?
Cullman, AL.
What is the Net Interest Margin?
4.65%.
How many domestic offices does it operate?
28.
When was it established?
10/24/1977.
What is the Return on Assets (ROA)?
2.05%.
How much are total loans and leases?
$889.28M (latest filing).
What is the total interest income (latest filing)?
$20.16M.