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Premier Bank Of The South
Cullman, AL · FDIC Certificate #27118 · Chartered 11/3
Total assets
$370.65M
Total deposits
$337.08M
Total equity
$31.63M
Net loans
$229.13M
Branches (offices)
9
Net income (YTD)
$2.00M
Rank: #2,172 of 4,213 U.S. banks by assets · #42 of 93 in Alabama. Assets changed 1.0% and deposits 0.5% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.07% |
| Return on equity | 12.65% |
| Net interest margin (YTD) | 4.14% |
| Equity to assets | 8.53% |
| Tier 1 leverage ratio | 9.37% |
| Uninsured deposits (share of deposits) | 29.5% |
| Noncurrent loans (share of loans) | 0.00% |
| Net charge-offs (share of loans) | -0.15% |
| Loans to deposits | 68.0% |
| Real estate loans (share of loans) | 79.8% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $182.90M | 79.8% | |
| Commercial & industrial | $27.25M | 11.9% | |
| Consumer / individual | $18.84M | 8.2% | |
| Construction & development | $12.35M | 5.4% | |
| Agricultural | $74.00K | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $328.68M | $307.54M | $1.83M | $19.79M |
| Jun 2023 | $313.56M | $290.00M | $2.32M | $21.25M |
| Jun 2024 | $353.58M | $326.40M | $1.87M | $24.75M |
| Jun 2025 | $366.94M | $335.31M | $2.09M | $29.41M |
| Jun 2026 | $370.65M | $337.08M | $2.00M | $31.63M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Alabama | $337.08M | 9 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $337.08M.
Similar-sized banks
First Nebraska Bank ($371.41M) · Flatirons Bank ($370.31M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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