FIRST CMTY BANK OF CULLMAN
CULLMAN, ALABAMA · FDIC Cert #30166
Capital & Safety Analysis
According to FDIC financial data, FIRST CMTY BANK OF CULLMAN holds a Tier 1 capital ratio of 0.00%. This falls below the 6% threshold regulators require, which may subject FIRST CMTY BANK OF CULLMAN to additional regulatory scrutiny.
Key Financial Metrics
What This Means For Your Money
FIRST CMTY BANK OF CULLMAN shows some financial weakness with a Health Score of 40/100. This does not mean the bank will fail, but some financial indicators are below average. Your FDIC-insured deposits (up to $250,000) are fully protected by the US government.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
Frequently Asked Questions
FIRST CMTY BANK OF CULLMAN has a Bank Health Score of D (40/100). It holds a Tier 1 capital ratio of 0.00%, which is below the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
FIRST CMTY BANK OF CULLMAN holds $107M in total assets and $79M in total deposits. It is located in CULLMAN, ALABAMA (FDIC Certificate #30166).
FIRST CMTY BANK OF CULLMAN has a Tier 1 capital ratio of 0.00%, classifying it as "Critically Undercapitalized." The nonperforming loan ratio is 0.46%, and the return on assets is 0.29%.
Yes. FIRST CMTY BANK OF CULLMAN is FDIC-insured (Certificate #30166). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically regain access to funds within two business days.