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

First Community Bank of Cullman is headquartered in Cullman and is the 88th largest bank in the state of Alabama. It is also the 4,254th largest bank in the nation. It was established in 1905 and as of March of 2018, it had grown to 19 employees at 1 location. First Community Bank of Cullman has a B+ health rating.

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Big Rate - 13-Month CD Special 2.35% APY - At Small Bank - 4/19/2018

First Community Bank of Cullman (located in northern Alabama) has a 13-month CD Special (2.35% APY). Anyone with an Alabama driver's license can open one, as long as they come into the one branch in Cullman.

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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
Employees19
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.18%
Return on Equity - YTD1.78%
Annual Interest Income$775.00K
Assets and Liabilities
AssetsQ1 2018vs Q1 2017$97.1MM$77.5MM
LoansQ1 2018vs Q1 2017$64.8MM$48.4MM
DepositsQ1 2018vs Q1 2017$79.7MM$64.3MM
Equity CapitalQ1 2018vs Q1 2017$9.2MM$8.8MM
Loan Loss AllowanceQ1 2018vs Q1 2017$488.00K$399.00K
Unbacked Noncurrent LoansQ1 2018vs Q1 2017$0$336.00K
Real Estate OwnedQ1 2018vs Q1 2017$686.00K$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
0.45%$50-Hometown Heroes Savings
0.20%$100-Savings Account

First Community Bank of Cullman Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.20%$50-Hometown Heroes Checking
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
1.41%$500-13 Month CD Special
1.00%$500-5 Year CD
0.75%$500-7 Month CD Special
0.50%$500-2 Year CD
0.50%$500-4 Year CD
0.45%$500-1 Year CD
0.45%$500-3 Year CD
0.40%$500-6 Month CD
0.40%$500-18 Month CD
0.40%$500-30 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

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