AL lenders / Community Bank
Cullman Savings Bank
Community Bank · Cullman, AL · Cullman Bcorp Inc
- Total assets
- $459.6M
- CRE loan book
- $123.1M
- QoQ CRE growth
- 6.8%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 5.92% as of Q1 2026 — TX bank median 4.87% (1.05pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 5.92% | 6.10% |
| Q4 2025 | 5.98% | 6.12% |
| Q3 2025 | 5.90% | 6.06% |
| Q2 2025 | 5.74% | 5.87% |
| Q1 2025 | 5.64% | 5.76% |
| Q4 2024 | 5.71% | 5.85% |
| Q3 2024 | 5.64% | 5.79% |
| Q2 2024 | 5.36% | 5.51% |
What their existing real-estate book earns — an anchor for where new money gets priced. Source: FFIEC Call Reports.
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CRE book — quarterly trend (FFIEC Call Reports)
| Quarter | CRE loans | Construction | Multifamily | Concentration | Nonaccrual CRE |
|---|---|---|---|---|---|
| Q1 2026 | $123.1M | $26.2M | $4.0M | 85% | $1.2M |
| Q4 2025 | $115.2M | $22.9M | $4.4M | 80% | $0 |
| Q3 2025 | $117.3M | $25.2M | $3.7M | 86% | $0 |
| Q2 2025 | $127.9M | $30.8M | $3.7M | 90% | $913,000 |
| Q1 2025 | $128.4M | $33.9M | $3.8M | 95% | $302,000 |
| Q4 2024 | $128.5M | $32.0M | $3.7M | 88% | $0 |
| Q3 2024 | $131.0M | $33.8M | $3.7M | 89% | $0 |
| Q2 2024 | $127.4M | $32.2M | $3.3M | 88% | $0 |
Similar lenders
Other community banks we track with a comparable CRE book size.
- Greenville National BankCommunity Bank · Greenville · $123.0M CRE book
- Chickasaw Community BankCommunity Bank · Oklahoma City · $122.8M CRE book
- Marion Community BankCommunity Bank · Marion · $123.5M CRE book
- Bank of FrankewingCommunity Bank · Frankewing · $124.6M CRE book
- First National Bank ColoradoCommunity Bank · Las Animas · $124.9M CRE book
Last updated Jul 3, 2026 · Sources: FFIEC CDR, county records, first-party conversations.