This comparison uses public regulatory filings and TFS methodology. It evaluates financial condition—not checking rates, account fees, service quality, or which institution is universally “best.”
Bank
Cullman, AL
Health score
72.5
Total assets
$456.7M
Bank
Vernon, AL
Health score
94.5
Total assets
$445.4M
Answer first
Cullman Savings Bank leads on capitalization and lending quality; The Bank of Vernon leads on financial health and profitability and growth. Those category leads describe current regulatory metrics only and do not establish a universal product or service winner.
Capital and asset-quality definitions are directly comparable for this pair.
Category leaders
Financial health
The Bank of Vernon
Higher TFS health score
Capitalization
Cullman Savings Bank
Higher comparable capital ratio
Profitability
The Bank of Vernon
Higher return on assets
Lending quality
Cullman Savings Bank
Lower problem-loan measure
Growth
The Bank of Vernon
Higher year-over-year asset growth
Same-source detail
Winner markers appear only where the metric definitions are comparable and both values are available.
| Metric | Cullman Savings Bank | The Bank of Vernon |
|---|---|---|
| TFS health score | 72.5/100 | 94.5/100Leads |
| Total assets | $456.7M | $445.4M |
| Total deposits / shares | $308.2M | $373.6M |
| Tier 1 capital ratio | 18.64%Leads | 16.60% |
| Return on assets | 0.81% | 1.27%Leads |
| Return on equity | 4.40% | 7.88% |
Cullman Savings Bank
5 branches
The Bank of Vernon
5 branches
Both institutions report branches in 1 state: AL.
Cullman Savings Bank
Unavailable
The Bank of Vernon
Unavailable
Counts use an explicitly reviewed CFPB-company-to-regulatory-ID mapping and the same complete 12-month window. Parent-company attribution can include complaints involving affiliates. Lower complaint volume is context—not proof of better service or less consumer harm.
Cullman Savings Bank
0 in TFS registry
The Bank of Vernon
0 in TFS registry
Institution-level actions come from TFS's exact regulatory-ID registry and are shown as factual context only. They do not affect category winners or the TFS Financial Health Grade. A zero means no action is currently published in this curated registry—not proof that none exists.
Quarterly history
| Quarter | Cullman Savings Bank score | Cullman Savings Bank ROA | The Bank of Vernon score | The Bank of Vernon ROA |
|---|---|---|---|---|
| 2024-Q3 | — | 0.83% | — | 1.39% |
| 2024-Q4 | — | 0.87% | — | 1.31% |
| 2025-Q1 | — | 0.85% | — | 1.22% |
| 2025-Q2 | — | 0.85% | — | 1.36% |
| 2025-Q3 | — | 0.93% | — | 1.54% |
| 2025-Q4 | — | 0.97% | — | 1.37% |
| 2026-Q1 | 73.1/100 | 0.63% |
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Coverage boundaries
Related comparisons
Financial data comes from FDIC BankFind Suite or NCUA Call Reports as labeled. TFS Health Grades are an editorial assessment, not an official government rating or financial advice. Arbitrary comparison pairs are available dynamically but remain noindex unless curated for data completeness and user value.
| Non-performing loans | 0.41%Leads | 0.47% |
| Net charge-offs | 0.61% | 0.10%Leads |
| Efficiency ratio | 64.53% | 48.11%Leads |
| Loan-to-deposit ratio | 121.19% | 87.76% |
| Asset growth (YoY) | 2.53% | 14.56%Leads |
| Deposit / share growth (YoY) | 2.91% | 15.55%Leads |
| Branches | 5 | 5 |
| Published CFPB complaints per $1B deposits (12 months)verified mappings only | — | — |
| 98.1/100 |
| 1.86% |
| 2026-Q2 | 72.5/100 | 0.81% | 94.5/100 | 1.27% |