Peoples Bank of Alabama

BankCullman, Alabama
www.peoplesbankal.com

Total Assets

$1.4B

Total Deposits

$1.3B

Branches

28

Established

1977

TFS Health Grade

$
B-

82.5 / 100

Good financial health

How we grade

Peoples Bank of Alabama is a bank headquartered in Cullman, Alabama, established in 1977. With $1.4B in total assets and 28 branch locations, it has a TFS Financial Health Grade of B- (82.5/100).

Capital & Safety

Tier 1 Capital Ratio
11.16%(8%)
Total Capital Ratio
17.03%(10%)
Non-Performing Loan Ratio
0.19%

Profitability

Return on Assets (ROA)
1.98%(1%)
Return on Equity (ROE)
21.67%(10%)
Net Interest Margin
4.62%
Efficiency Ratio
59.84%(60%)

Lending & Liquidity

Total Loans
$904.3M
Loan-to-Deposit Ratio
71.00%
Net Charge-Off Ratio
0.08%

Growth

Asset Growth (YoY)
+4.11%
Deposit Growth (YoY)
+2.72%
Net Income
$27.9M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

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