First Community Bank of Cullman

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Popular Accounts at this Bank

APY	ACCOUNT TYPE	ACCOUNT NAME
1.00%	5-year CD	5 Year CD 2.25% - Bank of Internet USA 60 Month CD
0.40%	1-year CD	1 Year CD 1.50% - Goldman Sachs Bank USA 12 Month CD
0.20%	Savings	Savings Account 1.35% - CIT Bank Premier High Yield Savings

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 4,694^th largest bank in the nation. It was established in 1905 and as of June of 2017, it had grown to 13 employees at 1 location. First Community Bank of Cullman has a B health rating.

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Health

B

Data as of Q2 2017

Learn why bank health matters

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	13
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	0.61%
Return on Equity - YTD	5.33%
Annual Interest Income	$1.2MM

Assets and Liabilities
Assets	Q2 2017vs Q2 2016	$78.4MM$81.5MM
Loans	Q2 2017vs Q2 2016	$49.2MM$48.9MM
Deposits	Q2 2017vs Q2 2016	$65.0MM$69.0MM
Equity Capital	Q2 2017vs Q2 2016	$9.0MM$8.5MM
Loan Loss Allowance	Q2 2017vs Q2 2016	$417.00K$344.00K
Unbacked Noncurrent Loans	Q2 2017vs Q2 2016	$461.00K$61.00K
Real Estate Owned	Q2 2017vs Q2 2016	$176.00K$176.00K

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
0.75%	$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

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
First Community Bank Of Cullman	420 2nd Avenue, Sw	Cullman, AL 35055