Cullman County, Alabama, a core county of the Birmingham-Cullman-Talladega, AL market, holds $2.6B in deposits across 13 insured institutions and 33 branches. Traditions Bank is the largest deposit holder at 15.6% share. The top three institutions hold 46.8% of deposits, which places the county in the moderately concentrated band. Deposits have grown 31.7% since 2020 while the branch count rose by 3. It produces $3.3B of output, ranking #733 of the 1,523 counties within a CSA or MSA by economic output.
Ranks show where the county stands among the 1,523 ranked counties (those within a Combined or Metropolitan Statistical Area that have a branch). They describe relative position, not a rating of market quality or suitability.
Deposit trend
Branches: 30 in 2020 to 33 in 2025. Institutions: 12 to 13. Top-three share: 41.8% to 46.8%.
Leading institutions by deposits
| Institution | Deposits | Share | 5‑yr |
|---|---|---|---|
| Traditions Bank | $411M | 15.6% | +63% |
| Regions Bank | $410M | 15.6% | +41% |
| SouthPoint Bank | $408M | 15.5% | no 2020 presence |
| Peoples Bank of Alabama | $339M | 12.9% | +30% |
| Cullman Savings Bank | $300M | 11.4% | +41% |
| Premier Bank of the South | $244M | 9.3% | +52% |
| EvaBank | $161M | 6.1% | -4% |
| Wells Fargo Bank | $113M | 4.3% | +18% |
| Citizens Bank & Trust | $73M | 2.8% | +192% |
| First Community Bank of Cullman | $73M | 2.8% | -29% |
The 10 largest of 13 insured institutions with a branch presence in this county, as of June 30, 2025. Five-year change compares the same institution’s county deposits in 2020 and 2025. Institutions are tracked by FDIC certificate number, and where an institution acquired another bank, the acquired bank’s prior deposits are folded into the baseline so the change reflects the combined, continuing franchise rather than reading as new. Even so, a large gain can reflect acquisition rather than organic growth; “no 2020 presence” means neither the institution nor a bank it later absorbed reported deposits in this county that year. Deposit figures are nominal and are not adjusted for inflation.
Part of the Birmingham-Cullman-Talladega market
Cullman County is one of 10 counties that make up the Birmingham-Cullman-Talladega, AL market, a Combined Statistical Area (ranked #50 of 293 U.S. markets by economic output). It produces 4.2% of the market’s output and holds 4.6% of its deposits.
| Measure | Cullman County | Share of parent market |
|---|---|---|
| 2024 GDP | $3.3B | 4.2% |
| Deposits | $2.6B | 4.6% |
| Population | 94,009 | 6.8% |
View the full Birmingham-Cullman-Talladega market profile →
Recruiting in Cullman County
Deposits are split among a moderate number of institutions. Who holds the deposits, and how contested the market is, shapes both the runway for growth and the competition you would be recruiting against. We recruit commercial relationship managers, banking teams, and market leaders for banks building in markets like Cullman County, on a retained basis.
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