First Community Bank of Cullman

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LOCATIONS

Popular Accounts at this Bank

APY	ACCOUNT TYPE	ACCOUNT NAME
1.00%	5-year CD	5 Year CD 1.85% - Synchrony Bank 60 Month CD
0.40%	1-year CD	1 Year CD 1.05% - Ally Bank High Yield 12-Month CD
0.20%	Savings	Savings Account 1.00% - Ally Bank Online Savings Account

View all First Community Bank of Cullman rates »

Overview / Commentary

www.fcbcullman.com

256-734-4863

420 2nd Avenue, Sw
Cullman, AL 35055

First Community Bank of Cullman is headquartered in Cullman and is the 105^th largest bank in the state of Alabama. It is also the 4,776^th 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+

Data as of Q2 2016

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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 Established	1905
Employees	14
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	0.45%
Return on Equity - YTD	4.31%
Annual Interest Income	$1.2MM

Assets and Liabilities
Assets	Q2 2016vs Q2 2015	$81.5MM$80.2MM
Loans	Q2 2016vs Q2 2015	$48.9MM$47.5MM
Deposits	Q2 2016vs Q2 2015	$69.0MM$68.4MM
Equity Capital	Q2 2016vs Q2 2015	$8.5MM$8.4MM
Loan Loss Allowance	Q2 2016vs Q2 2015	$344.00K$281.00K
Unbacked Noncurrent Loans	Q2 2016vs Q2 2015	$61.00K$255.00K
Real Estate Owned	Q2 2016vs Q2 2015	$176.00K$431.00K

Rates

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First Community Bank of Cullman Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.50%	-	-	Christmas Club Account
0.50%	-	-	Kids Club Savings Account
0.20%	$100	-	Savings Account

First Community Bank of Cullman Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.05%	$750	-	Save Check Checking
0.05%	-	-	Senior Excel Checking
0.05%	$1k	-	Business Interest Checking

First Community Bank of Cullman CD Rates

APY	MIN	MAX	ACCOUNT NAME
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

APY	MIN	MAX	ACCOUNT NAME
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 Branch	1900 Marketplatz Center Sw	Cullman, AL 35055
First Community Bank Of Cullman	420 2nd Avenue, Sw	Cullman, AL 35055