🏦Bank Scorer

PEOPLES BANK OF ALABAMA

CULLMAN, AL · Supervised by FDIC

Est. 1977FDIC #22,537RSSD: FDIC-22537
Part ofALTRUST FINANCIAL SERVICES INC→ View all charters
Satisfactory Same

Current rating · Exam: July 2023

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.84%

Institution Profile

FDIC BankFind

Address

1912 Cherokee Ave Sw, CULLMAN, AL

County

Cullman County

Established

October 24, 1977

Total Assets

$1.4B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

July 1, 2023

Exam Type

Intermediate Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Jul 2027(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$1.4B

Total Deposits

$1.3B

Net Loans

$909M

Net Income

$7M

ROA

1.84%

ROE

18.30%

Risk-Based Capital

16.83%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Community banks

Compared to the peer-bank Community peer group (same asset tier).

Mortgage Denial Rate16.78%Peer avg: 9.91%▼ Below avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

28

Branch Deposits

$1.3B

1-Year Change

0

5-year net change: +2 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202414953.69%16.78%
202322154.75%19.46%
202223461.54%17.95%
202125652.73%23.83%
202026352.09%15.59%
201920652.43%24.27%
201822958.08%15.72%

2024 national avg denial rate: 23.75% · Community bank avg: 9.91% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

10 previous ratings locked — dating back to 1991

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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