First Community Bank of Cullman

420 2nd Avenue, Sw
Cullman, AL 35055

 

2019 Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 30166
Date Established 1905
Assets $0.12 billion
Loans $0.09 billion
Deposits $0.09 billion
Capital $0.01 billion

First Community Bank of Cullman is an FDIC insured institution located in Cullman, AL. It was founded in 1905 and has approximately $0.12 billion in assets. Customers can open an account at one of its 2 branches.

For a more detailed analysis of First Community Bank of Cullman's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - September 24, 2019

Your Current Location: Washington, WA 98109

Savings and Money Market Rates APY MIN MAX
Money Market
1.00% $1,000 - Learn MoreShow Less
CD Rates APY MIN MAX
3 Mo CD
0.20% $500 - Learn MoreShow Less
6 Mo CD
0.40% $500 - Learn MoreShow Less
Special: 7 Mo CD
1.77% $500 - Learn MoreShow Less
12 Mo CD
0.45% $500 - Learn MoreShow Less
Special: 13 Mo CD
2.15% $500 - Learn MoreShow Less
18 Mo CD
0.40% $500 - Learn MoreShow Less
24 Mo CD
0.50% $500 - Learn MoreShow Less
30 Mo CD
0.40% $500 - Learn MoreShow Less
36 Mo CD
0.45% $500 - Learn MoreShow Less
48 Mo CD
0.50% $500 - Learn MoreShow Less
60 Mo CD
1.00% $500 - Learn MoreShow Less

Fixed IRA Rates APY MIN MAX
Fixed IRA
0.40% $50 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
Var IRA
0.40% $50 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.05% $750 - Learn MoreShow Less

Loan Rates - September 24, 2019

Your Current Location: Washington, WA 98109

There are currently no loan rates available for First Community Bank of Cullman

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Washington 30 Year Fixed Mortgage Rates 2019

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
AimLoan.com
NMLS ID: 2890
License#: 520-CL-25944
3.526% 3.500% 0.38 $805 $1,123 Learn More

Featured - Washington Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
Figure Home Equity Line
Figure Home Equity Line
0.000 %
$0 Learn More
More Info

Note to First Community Bank of Cullman
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Branches

First Community Bank of Cullman branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Seattle,Washington


First Community Bank of Cullman Locations


Financial Details

First Community Bank of Cullman Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of First Community Bank of Cullman. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
First Community Bank of Cullman U.S. Bank Average
3.2% 6.94%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of March 31, 2019, First Community Bank of Cullman had $128,000 in non-current loans and $208,000 in owned real estate. To cover these potential losses it had $9,825,000 in equity and $686,000 in loans loss reserves. That gives it a Texas Ratio of 3.2%.

Return on Equity
First Community Bank of Cullman U.S. Bank Average
9.02% 9.47%

First Community Bank of Cullman has a Return on Equity of 9.02% versus the BestCashCow average of 9.47%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
First Community Bank of Cullman U.S. Bank Average
8.1% 12.49%

First Community Bank of Cullman has a Capitalization of 8.1% versus the BestCashCow average of 12.49. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

First Community Bank of Cullman Balance Sheet Analysis

As of March 31, 2019, First Community Bank of Cullman had assets of $121,261,000, loans of $92,879,000, and deposits of $90,055,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

March 31, 2019
ASSETS
Cash & Balances due from depository institutions $0.01 billion
Interest-bearing balances $0.01 billion
Total securities $0.01 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.09 billion
Loan loss allowance $0.00 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.00 billion
Goodwill and other intangibles $0.00 billion
All other assets $0.01 billion
     Total Assets $0.11 billion
LIABILITIES
Total deposits $0.09 billion
      Interest-bearing deposits $0.08 billion
      Deposits held in domestic offices $0.09 billion
      % insured (estimated) 81.32%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.02 billion
Subordinated debt $0.00 billion
All other liabilities $0.00 billion
      Total Liabilities $0.11 billion
      Shareholders’ Equity $0.01 billion

Summary Income Statement

March 31, 2019
INCOME AND EXPENSES
Total Interest Income $0.00 billion
Total Interest Expense $0.00 billion
Net interest income $0.00 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.00 billion
Total non interest expense $0.00 billion
Pre-tax Net Operating Income $0.00 billion

Bank Loan Profile?

The top three loan types in First Community Bank of Cullman’s loan portfolio are 1-4 Family Residential Loans, Commercial Real Estate, and Multifamily Mortgages.

Compared to other banks in Alabama, First Community Bank of Cullman has a significantly higher percent of 1-4 Family Residential Loans, Multifamily Mortgages on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 48.68
Multifamily
Mortgages
13.28
Credit Card Loans 0.00
Consumer Auto Loans 2.44
Small Business Loans 11.09
Construction and Development Loans 6.27
Commercial Real Estate 21.84
Commercial and Industrial Loans 6.94
Farm Loans 0.00

Frequently Asked Questions About First Community Bank Of Cullman

Branches and Savings

Is First Community Bank Of Cullman FDIC insured?

Yes. It is covered under FDIC Certificate #30166.

Why does First Community Bank Of Cullman pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are First Community Bank Of Cullman CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is First Community Bank Of Cullman a commercial bank?

Yes

Where are First Community Bank Of Cullman locations?

See branch locations nearby.

Is First Community Bank Of Cullman open on Saturdays?

Is First Community Bank Of Cullman open on Sundays?

What time does First Community Bank Of Cullman open?

What time does First Community Bank Of Cullman close?

Are First Community Bank Of Cullman ATMs Open 24/7?

Do First Community Bank Of Cullman ATMs accept cash deposits?

Can First Community Bank Of Cullman customers use other ATMs?

Do First Community Bank Of Cullman branches have notaries?

Will First Community Bank Of Cullman notarize my document?

What address for First Community Bank Of Cullman should I put for incoming ACH transfers?

Will the First Community Bank Of Cullman branch print checks?

Do First Community Bank Of Cullman checks expire?

Does First Community Bank Of Cullman require US citizenship to open account?

Can First Community Bank Of Cullman close my account?

Does First Community Bank Of Cullman Report to credit bureaus?

Does First Community Bank Of Cullman Use Equifax?

What is First Community Bank Of Cullman's ACH Routing Number?

What is First Community Bank Of Cullman's SWIFT code?

Products

Does First Community Bank Of Cullman offer mortgages?

Compare mortgage rates here.

Does First Community Bank Of Cullman offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does First Community Bank Of Cullman offer personal loans?

Compare personal loan rates here.

Does First Community Bank Of Cullman offer student loans?

Will First Community Bank Of Cullman cash a check?

Will First Community Bank Of Cullman redeem a savings bond?

Does First Community Bank Of Cullman cash savings bonds?

Will First Community Bank Of Cullman cash money orders?

Can First Community Bank Of Cullman issue a money order?

Does First Community Bank Of Cullman do currency exchange?

Background on The Bank

Who owns First Community Bank Of Cullman?

How long has First Community Bank Of Cullman been around?

Can First Community Bank Of Cullman transfer to other banks?

Does First Community Bank Of Cullman have quick pay?

Does First Community Bank Of Cullman accept rolled coins?

Will First Community Bank Of Cullman accept loose change?

Where is First Community Bank Of Cullman headquarters?

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