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First Community Bank of Cullman

Popular Accounts at this Bank

APYACCOUNT TYPEACCOUNT NAME
1.00%5-year CD5 Year CD
0.40%1-year CD1 Year CD
0.20%SavingsSavings Account

Overview / Commentary
256-734-4863
420 2nd Avenue, Sw
Cullman, AL 35055

First Community Bank of Cullman is headquartered in Cullman and is the 105th largest bank in the state of Alabama. It is also the 4,776th largest bank in the nation. It was established in 1905 and as of June of 2016, it had grown to 14 employees at 2 locations. First Community Bank of Cullman has a B+ health rating.

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Health
B+
Additional Factors: Institutions with a small asset base, a short operating history, or negative return on equity can represent an instability risk beyond what their financial ratios indicate. First Community Bank of Cullman has a relatively low asset base.

Health Grade Components

Overall
FDIC Certificate #30166
Year Established1905
Employees14
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.45%
Return on Equity - YTD4.31%
Annual Interest Income$1.2MM
Assets and Liabilities
AssetsQ2 2016vs Q2 2015$81.5MM$80.2MM
LoansQ2 2016vs Q2 2015$48.9MM$47.5MM
DepositsQ2 2016vs Q2 2015$69.0MM$68.4MM
Equity CapitalQ2 2016vs Q2 2015$8.5MM$8.4MM
Loan Loss AllowanceQ2 2016vs Q2 2015$344.00K$281.00K
Unbacked Noncurrent LoansQ2 2016vs Q2 2015$61.00K$255.00K
Real Estate OwnedQ2 2016vs Q2 2015$176.00K$431.00K
Rates
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First Community Bank of Cullman Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.50%--Christmas Club Account
0.50%--Kids Club Savings Account
0.20%$100-Savings Account

First Community Bank of Cullman Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.05%$750-Save Check Checking
0.05%--Senior Excel Checking
0.05%$1k-Business Interest Checking

First Community Bank of Cullman CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.00%$500-5 Year CD
0.50%$500-4 Year CD
0.50%$500-13 Month CD Special
0.45%$500-3 Year CD
0.40%$500-1 Year CD
0.40%$500-18 Month CD
0.40%$500-2 Year CD
0.40%$500-30 Month CD
0.25%$500-6 Month CD
0.20%$500-91 Day CD

First Community Bank of Cullman IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.45%$50-36 Month IRA
0.45%$50-36 Month Variable IRA
0.40%$50-18 Month IRA
0.25%$50-18 Month Variable IRA
Locations


First Community Bank of Cullman Locations
1900 Marketplatz Center Sw Branch1900 Marketplatz Center SwCullman, AL 35055
First Community Bank Of Cullman420 2nd Avenue, SwCullman, AL 35055