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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 101st largest bank in the state of Alabama. It is also the 4,579th largest bank in the nation. It was established in 1905 and as of September of 2017, it had grown to 15 employees at 1 location. First Community Bank of Cullman has a B health rating.

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Health
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
Employees15
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.54%
Return on Equity - YTD4.78%
Annual Interest Income$1.9MM
Assets and Liabilities
AssetsQ3 2017vs Q3 2016$83.4MM$79.3MM
LoansQ3 2017vs Q3 2016$51.5MM$48.4MM
DepositsQ3 2017vs Q3 2016$69.5MM$66.8MM
Equity CapitalQ3 2017vs Q3 2016$9.1MM$8.6MM
Loan Loss AllowanceQ3 2017vs Q3 2016$429.00K$358.00K
Unbacked Noncurrent LoansQ3 2017vs Q3 2016$535.00K$20.00K
Real Estate OwnedQ3 2017vs Q3 2016$384.00K$176.00K
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
0.75%$500-11 Month CD Special
0.50%$500-4 Year CD
0.50%$500-13 Month CD Special
0.50%$500-7 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
First Community Bank Of Cullman420 2nd Avenue, SwCullman, AL 35055