County banking markets / AL / 01043
CullmanAlabama
FIPS 01043. Branch offices reported to the FDIC Summary of Deposits, June 30 of each survey year, 1994–2025. One of 66 counties in Alabama’s 2025 survey.
Concentration, 1994–2025
Branch-count HHI squares each institution’s share of the county’s branch offices; deposit HHI squares its share of county deposits. The bands are the 2010 Horizontal Merger Guidelines classification, the dashed line the 1,800 level above which the Federal Reserve reviews a merger centrally. In 2025 this market is unconcentrated on branches (1,148) and unconcentrated on deposits (1,190).
Source: FDIC Summary of Deposits | DOJ & FTC, Horizontal Merger Guidelines (2010), section 5.3 | Federal Reserve, Competitive Effects of Mergers and Acquisitions FAQs Both indices computed from the SOD branch rows for this county, June 30 of each survey year. Neither is the Fed's screen HHI: no thrift weighting, no exclusion of specialty and internet banks, no central-booking adjustment. Methodology
Branches and institutions
28 branch offices and 9 institutions in 1994; 33 and 13 in 2025. Deposits booked in the county went from $646.7M to $2.63B, nominal.
Source: FDIC Summary of Deposits FDIC Summary of Deposits, June 30 of each survey year, 1994-2025. Methodology
Who holds the deposits, 2025
Every institution with a branch in the county, ranked by deposits booked here. Both shares are shown because they are the two indices above: squaring and summing the deposit column gives the deposit HHI, the branch column the branch-count HHI.
| # | Institution | Deposits | Deposit share | Branches | Branch share |
|---|---|---|---|---|---|
| 1 | Traditions Bank cert 57554 | $410.8M | 15.63% | 3 | 9.09% |
| 2 | Regions Bank cert 12368 | $410.1M | 15.60% | 1 | 3.03% |
| 3 | SouthPoint Bank cert 58088 | $408.3M | 15.54% | 4 | 12.12% |
| 4 | Peoples Bank of Alabama cert 22537 | $339.0M | 12.90% | 6 | 18.18% |
| 5 | Cullman Savings Bank cert 30167 | $299.5M | 11.40% | 5 | 15.15% |
| 6 | Premier Bank of the South cert 27118 | $244.1M | 9.29% | 5 | 15.15% |
| 7 | EvaBank cert 26799 | $161.1M | 6.13% | 2 | 6.06% |
| 8 | Wells Fargo Bank, National Association cert 3511 | $112.8M | 4.29% | 1 | 3.03% |
| 9 | Citizens Bank & Trust cert 57483 | $73.1M | 2.78% | 2 | 6.06% |
| 10 | First Community Bank of Cullman cert 30166 | $72.8M | 2.77% | 1 | 3.03% |
| 11 | PNC Bank, National Association cert 6384 | $60.2M | 2.29% | 1 | 3.03% |
| 12 | First National Bank of Pulaski cert 15572 | $34.1M | 1.30% | 1 | 3.03% |
| 13 | Woodforest National Bank cert 23220 | $2.1M | 0.08% | 1 | 3.03% |
Source: FDIC Summary of Deposits June 30, 2025. Branch rows grouped by FDIC certificate; names as reported to the survey. Deposit share is n/a where the county's total SOD deposits are zero. Methodology
Back to county banking markets, up to Alabama, or read the methodology for the two HHI constructions and what they cannot tell you.