| Metric | Cullman Savings Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.5% | +4.4% | -1.8 pts |
| Deposit growth (YoY) | +2.9% | +4.0% | -1.0 pts |
| Loan growth (YoY) | +3.1% | +5.6% | -2.4 pts |
| ROA | 0.81% | 1.24% | -0.4 pts |
| ROE | 4.4% | 11.9% | -7.5 pts |
ROA ranks in the 25th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $456.7M | $308.2M | $373.6M | $83.4M | $1.8M | 0.81% | 4.19% | 0.34% |
| Q1 2026 | $459.6M | $313.2M | $372.9M | $82.1M | $702K | 0.63% | 4.19% | 0.26% |
| Q4 2025 | $431.2M | $295.2M | $358.1M | $81.4M | $4.2M | 0.97% | 4.02% | 0.05% |
| Q3 2025 | $443.2M | $295.0M | $354.6M | $82.7M | $3.0M | 0.93% | 3.95% | 0.07% |
| Q2 2025 | $445.4M | $299.5M | $362.1M | $81.0M | $1.9M | 0.85% | 3.90% | 0.27% |
| Q1 2025 | $430.0M | $296.1M | $358.2M | $79.7M | $913K | 0.85% | 3.85% | 0.07% |
| Q4 2024 | $430.1M | $297.5M | $353.4M | $78.1M | $3.7M | 0.87% | 3.76% | 0.02% |
| Q3 2024 | $433.7M | $298.1M | $351.7M | $80.4M | $2.6M | 0.83% | 3.72% | 0.12% |
Loan mix (Q2 2026): real estate $346.0M · commercial $26.4M · consumer $3.0M · securities $23.1M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Cullman Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.81% | 1.24% | 25th | |
Return on equity Annualized net income ÷ equity or net worth | 4.4% | 11.9% | 12th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.19% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 64.5% | 62.9% | 55th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Cullman Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Cullman Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Cullman Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Cullman Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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