BlastPoint's Banking Scorecard
Cullman Savings Bank
Micro
Specialty: Commercial
AL
FDIC cert 30167
Designations: ✓ Community bank
Cullman, AL
2498
banks in Micro tier nationally
65 in AL
View Micro leaderboard (AL) →
Cullman Savings Bank demonstrates 1 strength
Key Strengths
Areas where this bank excels compared to peers
- + Loan-to-Deposit Ratio 46.79% above tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$431.2M
+0.3% YoY
-2.7% QoQ
|
+$213.7M |
$217.5M
+2.3% YoY
|
$2.4B
+1.3% YoY
|
$5.9B
+6.5% YoY
|
Top 8% in tier |
| Total Loans ? |
$358.1M
+1.3% YoY
+1.0% QoQ
|
+$218.9M |
$139.2M
+2.8% YoY
|
$1.5B
-0.1% YoY
|
$3.1B
+8.5% YoY
|
Top 2% in tier |
| Total Deposits ? |
$295.2M
-0.8% YoY
+0.1% QoQ
|
+$111.5M |
$183.7M
+1.8% YoY
|
$2.0B
+1.3% YoY
|
$4.7B
+6.3% YoY
|
80% |
| Return on Assets ? |
0.97%
+10.7% YoY
+4.0% QoQ
|
-0.12% |
1.08%
+14.7% YoY
|
1.11%
+4.4% YoY
|
1.12%
+15.6% YoY
|
44% |
| Net Interest Margin ? |
4.02%
+6.9% YoY
+1.8% QoQ
|
+0.17% |
3.85%
+6.6% YoY
|
3.94%
+3.2% YoY
|
3.75%
+7.1% YoY
|
59% |
| Efficiency Ratio ? |
69.01%
-6.3% YoY
-1.0% QoQ
|
+1.28% |
67.73%
-4.8% YoY
|
64.78%
-3.4% YoY
|
65.09%
-5.1% YoY
|
42% |
| Delinquency Rate ? |
0.06%
+111.0% YoY
|
-0.58% |
0.64%
+24.4% YoY
|
0.66%
-12.1% YoY
|
0.66%
+20.3% YoY
|
74% |
| Loan-to-Deposit Ratio ? |
121.32%
+2.2% YoY
+0.9% QoQ
|
+46.79% |
74.53%
+0.5% YoY
|
68.23%
+2.7% YoY
|
78.04%
+0.7% YoY
|
Top 1% in tier |
| Non-Interest-Bearing Deposit Share ? |
12.94%
-13.5% YoY
+3.5% QoQ
|
-9.46% |
22.39%
-1.3% YoY
|
24.36%
+3.3% YoY
|
21.79%
-1.3% YoY
|
18% |
| Nonperforming Asset Ratio ? |
0.05%
+113.3% YoY
-22.9% QoQ
|
-0.40% |
0.45%
+25.1% YoY
|
0.53%
+14.0% YoY
|
0.48%
+20.8% YoY
|
74% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
6.46%
-12.3% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.33%
-7.6% YoY
+34.3% QoQ
|
-0.23% |
0.56%
+0.3% YoY
|
0.77%
+11.5% YoY
|
0.65%
+0.6% YoY
|
45% |
Signature Analysis
Strengths (1)
Loan-to-Deposit Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
121.32%
(Tier avg: 74.53%, National avg: 78.04%)
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
99
99th pctile
Loan-to-Deposit Ratio
Current: 121.32% · Tier avg: 74.53%
98
98th pctile
Total Loans
Current: $358.1M · Tier avg: $139.2M
92
92th pctile
Total Assets
Current: $431.2M · Tier avg: $217.5M
80
80th pctile
Total Deposits
Current: $295.2M · Tier avg: $183.7M
74
74th pctile
Delinquency Rate
Current: 0.06% · Tier avg: 0.64%
74
74th pctile
Nonperforming Asset Ratio
Current: 0.05% · Tier avg: 0.45%
59
59th pctile
Net Interest Margin
Current: 4.02% · Tier avg: 3.85%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
45
45th pctile
Non-Interest Income / Assets
Current: 0.33% · Tier avg: 0.56%
44
44th pctile
Return on Assets
Current: 0.97% · Tier avg: 1.08%
42
42th pctile
Efficiency Ratio
Current: 69.01% · Tier avg: 67.73%
18
18th pctile
Non-Interest-Bearing Deposit Share
Current: 12.94% · Tier avg: 22.39%
Top Weaknesses
18
18th pctile
Non-Interest-Bearing Deposit Share
Current: 12.94% · Tier avg: 22.39%
42
42th pctile
Efficiency Ratio
Current: 69.01% · Tier avg: 67.73%
44
44th pctile
Return on Assets
Current: 0.97% · Tier avg: 1.08%
45
45th pctile
Non-Interest Income / Assets
Current: 0.33% · Tier avg: 0.56%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
59
59th pctile
Net Interest Margin
Current: 4.02% · Tier avg: 3.85%
74
74th pctile
Nonperforming Asset Ratio
Current: 0.05% · Tier avg: 0.45%
74
74th pctile
Delinquency Rate
Current: 0.06% · Tier avg: 0.64%
80
80th pctile
Total Deposits
Current: $295.2M · Tier avg: $183.7M
92
92th pctile
Total Assets
Current: $431.2M · Tier avg: $217.5M
98
98th pctile
Total Loans
Current: $358.1M · Tier avg: $139.2M
99
99th pctile
Loan-to-Deposit Ratio
Current: 121.32% · Tier avg: 74.53%