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Overview / Commentary
900 Second Avenue, Sw
Cullman, AL 35055

Merchants Bank of Alabama is headquartered in Cullman and is the 40th largest bank in the state of Alabama. It is also the 2,365th largest bank in the nation. It was established in 1907 and as of September of 2017, it had grown to 86 employees at 5 locations. Merchants Bank of Alabama has an A health rating.

Reviews (1)

Review of Merchant's Bank

Posted by: Archier | Dec 9, 2017

My experience with Merchant's Bank has been very positive. Being a local bank, it seems to be much more personal and the employees get to know you on a first name basis. I have a personal checking account and a business account with Merchant's Bank. Quite often, I will need a cashier's check or will have to have a document notarized. There is no charge for notary services and cashier's checks are $5.00. I have had to work with Merchant's Bank on an ID theft issue and they were on it immediately and very helpful.


Health Grade Components

FDIC Certificate #46
Year Established1907
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.83%
Return on Equity - YTD8.89%
Annual Interest Income$7.6MM
Assets and Liabilities
AssetsQ3 2017vs Q3 2016$274.5MM$271.2MM
LoansQ3 2017vs Q3 2016$164.0MM$154.9MM
DepositsQ3 2017vs Q3 2016$247.5MM$244.0MM
Equity CapitalQ3 2017vs Q3 2016$25.8MM$25.9MM
Loan Loss AllowanceQ3 2017vs Q3 2016$1.8MM$1.7MM
Unbacked Noncurrent LoansQ3 2017vs Q3 2016$699.00K$638.00K
Real Estate OwnedQ3 2017vs Q3 2016$1.3MM$2.0MM

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Merchants Bank of Alabama Locations
Arab Branch1096 North Brindlee Mountain ParkwayArab, AL 35016
Fairview Branch44 Butler StreetCullman, AL 35058
Highway 157 Branch4855 Highway 157, NorthwestCullman, AL 35055
Merchants Bank Of Alabama900 Second Avenue, SwCullman, AL 35055
Hanceville Branch906 Main Street, NeHanceville, AL 35077