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 First Community Bank of Cullman
First Community Bank of Cullman
| RSSD ID 812379 | CERTIFICATE 30166 | ABA NUMBER 262287218 |
| 420 2nd Ave Sw |
Quarter Ended : |
2025-09-30 |
| Cullman, Alabama, 35055 |
Updated : |
2025-10-29 |
| www.fcbcullman.com |
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| Institution Profile |
| Year Opened : |
1905 |
Institution Type : |
Commercial bank |
| Entity Type : |
State |
Federal Regulator : |
FDIC |
| Member Federal Reserve : |
No |
S-Corp : |
No |
| Fiduciary Powers : |
No |
Powers Exercised : |
No |
| Filing Type : |
041 |
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| Specialization : |
Commercial Lending Specialization |
| Number of Offices : |
1 |
Number of Employees : |
14 |
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| Financial Fast Facts |
Balance Sheet
(USD, in thousands) |
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Income Statement
(USD, in thousands, ytd) |
| Total Assets | 85,517 |
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Total Interest Income | 3,779 |
| Total Liabilities | 73,465 |
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Total NonInterest Income | 235 |
| Total Bank Equity Capital | 12,052 |
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Total Interest Expense | 1,302 |
| Total Deposits | 67,040 |
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Total NonInterest Expense | 3,800 |
| Net Loans & Leases | 71,378 |
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Net Income | (784) |
| Loan Loss Allowance | 826 |
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Net Charge Offs | 15 |
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| Regulatory Capital |
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Quarterly Averages
(USD, in thousands) |
| Community Bank Leverage Ratio | Yes |
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Total loans | 72,725 |
| Total assets for the leverage ratio | 89,190 |
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Loans secured by real estate: | 66,081 |
| Tier 1 Leverage Ratio | 13.52 |
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Commercial and industrial loans | 1,436 |
| Off Balance Sheet Exposures (%) | 0 |
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Loans to individuals - Credit Cards | 0 |
| Trading Assets and Liabilities (%) | 0 |
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Loans to individuals - Other | 1,955 |
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:· First Community Bank of Cullman
