First Community Bank of Cullman
Overview / Commentary
First Community Bank of Cullman is headquartered in CULLMAN and is the 83rd largest bank in the state of Alabama. It is also the 3,810th largest bank in the nation. It was established in 1905 and as of March of 2025, it had grown to 15 employees at 1 location. First Community Bank of Cullman has a B+ health rating.
Health
B+
Data as of Q1 2025
Learn why bank health mattersAdditional 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 Established | 1905 |
| Employees | 15 |
| Primary Regulator | FDIC |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | -0.24% |
| Return on Equity - YTD | -1.9% |
| Annual Interest Income | $1.3MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q1 2025vs Q1 2024 | $99MM$106MM |
| Loans | Q1 2025vs Q1 2024 | $76.3MM$81.7MM |
| Deposits | Q1 2025vs Q1 2024 | $75.8MM$81.4MM |
| Equity Capital | Q1 2025vs Q1 2024 | $12.8MM$13.3MM |
| Loan Loss Allowance | Q1 2025vs Q1 2024 | $837K$1.4MM |
| Unbacked Noncurrent Loans | Q1 2025vs Q1 2024 | $0$1,000 |
| Real Estate Owned | Q1 2025vs Q1 2024 | $0$0 |