Premier Bank of the South
Cullman, AL
IDRSSD: 1160509
Total Assets
$367.18M
Latest filing
Total Deposits
$334.28M
Latest filing
Net Interest Margin
4.09%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Premier Bank of the South
101 1st Ave Nw
Cullman, AL 35055
Full Service - Brick and Mortar
Updated 11/14/2025Established 11/30/1987FDIC Certificate 38810
Branches (8)
Page 1 of 2| Name | Address | City / State |
|---|---|---|
| Premier Bank of the South (Main) | 101 1st Ave Nw | Cullman, AL |
| PREMIER BANK OF THE SOUTH GOOD HOPE OFFICE BRANCH | 460 County Road 437 | Good Hope, AL |
| ADDISON BRANCH | 30710 Us 278 | Addison, AL |
| EVA OFFICE | 5576 Highway 55 E | Eva, AL |
| VINEMONT BRANCH | 25 County Road 1292 | Vinemont, AL |
| MADISON BRANCH | 8803 Madison Blvd | Madison, AL |
| HUNTSVILLE BRANCH | 2123 Whitesburg Dr Se | Huntsville, AL |
| NORTH OFFICE | 3323 Alabama Highway 157 | Cullman, AL |
Showing 7 of 8
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
Similar banks
Cullman Savings Bank
Cullman, Alabama
→
Assets: $445.37MΔ +21.4%
First Community Bank of Cullman
Cullman, Alabama
→
Assets: $91.84MΔ -75.0%
Traditions Bank
Cullman, Alabama
→
Assets: $838.45MΔ +128.5%
Peoples Bank of Alabama
Cullman, Alabama
→
Assets: $1.42BΔ +287.9%
State Bank & Trust
Winfield, Alabama
→
Assets: $371.04MΔ +1.1%
First National Bank
Hamilton, Alabama
→
Assets: $357.73MΔ -2.5%
Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 11/30/1987 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 35055 |
| State and County Number | 01043 |
| Subchapter S Corporations | Yes |
| 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 | 78 |
| Domestic Offices | 9 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 11/30/1987 |
| Primary Insurance Agency | DIF |
| Website | WWW.PREMIERBANKOFTHESOUTH.COM |
| Data Updated | 11/14/2025 |
| CERT | 27118 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $367.18M |
| Total Deposits | $334.28M |
| Total Liabilities | $336.94M |
| Total Equity Capital | $30.24M |
| Net Income | $1.03M |
| Net Loans and Leases | $214.42M |
| Assets Per Employee ($Millions) | $4.71M |
| Bank Premises and Fixed Assets | $6.37M |
| Cash and Balances due from Depository Institutions | $75.14M |
| Deposits Held in Domestic Offices | $334.28M |
Key Performance Ratios
| Return on Assets (ROA) | 1.12% |
| Return on Equity (ROE) | 13.81% |
| Net Interest Margin | 4.09% |
| Efficiency Ratio | 70.77% |
| Tier 1 Risk-Based Capital Ratio | 14.846% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.19% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 8.237% |
| Earning Assets to total Assets | 95.82% |
Income and Expense
| Total Interest Income | $4.89M |
| Total Noninterest Income | $716.00k |
| Total Interest Expense | $1.30M |
| Total Noninterest Expense | $3.05M |
| Net Interest Income | $3.59M |
| Pre-tax Net Operating Income | $1.08M |
| Provision for Credit Losses | $175.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $40.00k |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $2.66M |
| Total Liabilities and Capital | $367.18M |
Securities
| Securities | $64.97M |
| Available-for-sale debt securities | $64.97M |
| 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 Premier Bank of the South?
$367.18M as of the latest filing.
How much are Premier Bank of the South's total deposits?
$334.28M in total deposits.
Where is Premier Bank of the South located?
Cullman, AL.
What is the Net Interest Margin?
4.09%.
How many domestic offices does it operate?
9.
When was it established?
11/30/1987.
What is the Return on Assets (ROA)?
1.12%.
How much are total loans and leases?
$214.42M (latest filing).
What is the total interest income (latest filing)?
$4.89M.