What is Premier Bank of the South's financial health grade?

Premier Bank of the South has a TFS Financial Health Grade of C (score: 74.0/100). This grade is based on capital adequacy, asset quality, earnings, and consumer protection metrics.

How many branches does Premier Bank of the South have?

Premier Bank of the South has 9 branch locations across the United States.

Is Premier Bank of the South FDIC insured?

Yes, Premier Bank of the South is FDIC insured (Certificate #27118).

What are the total assets of Premier Bank of the South?

Premier Bank of the South has total assets of $377.1M as reported in its most recent FDIC filing.

Premier Bank of the South

BankCullman, Alabama

WWW.PREMIERBANKOFTHESOUTH.COM

Total Assets

$377.1M

Total Deposits

$344.1M

Branches

Established

1987

TFS Health Grade

74.0 / 100

Average financial health

How we grade

Premier Bank of the South is a bank headquartered in Cullman, Alabama, established in 1987. With $377.1M in total assets and 9 branch locations, it has a TFS Financial Health Grade of C (74.0/100).

Capital & Safety

Tier 1 Capital Ratio

9.26%(8%)

Total Capital Ratio

17.30%(10%)

Non-Performing Loan Ratio

0.05%

Profitability

Return on Assets (ROA)

1.10%(1%)

Return on Equity (ROE)

13.90%(10%)

Net Interest Margin

4.09%

Efficiency Ratio

71.90%(60%)

Lending & Liquidity

Total Loans

$223.9M

Loan-to-Deposit Ratio

64.43%

Net Charge-Off Ratio

0.16%

Growth

Asset Growth (YoY)

+2.61%

Deposit Growth (YoY)

+1.69%

Net Income

$4.1M

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.

Branch	Address	City	State	Type
Premier Bank of the SouthHQ	101 1st Ave Nw	Cullman	AL	11
Premier Bank of the South	30710 Us 278	Addison	AL	11
Premier Bank of the South	3323 Alabama Highway 157	Cullman	AL	11
Premier Bank of the South	5576 Highway 55 E	Eva	AL	11
Premier Bank of the South	460 County Road 437	Good Hope	AL	11
Premier Bank of the South	2123 Whitesburg Dr Se	Huntsville	AL	11
Premier Bank of the South	8803 Madison Blvd	Madison	AL	11
Premier Bank of the South	207 County Road 1242	Vinemont	AL	11
Premier Bank of the South	25 County Road 1292	Vinemont	AL	11

Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.