Cullman County, Alabama, a core county of the Birmingham-Cullman-Talladega, AL market, holds $2.6B in deposits across 12 insured institutions and 32 branches. Traditions Bank is the largest deposit holder at 16.6% share. The top three banks hold 48% of deposits, which places the county in the Moderate band. Deposits have grown 14.4% since 2021 while the branch count rose by 6.7%. It produced $3.3B of real gross domestic product in 2024, ranking #733 of the 1,523 ranked counties 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 2021 to 32 in 2026. Institutions: 12 to 12. Top-three share: 42% to 48%.
Institutions by deposits
| Institution | Deposits | Share | 5‑yr deposits |
|---|---|---|---|
| Traditions Bank | $426M | 16.6% | +48% |
| Regions Bank | $425M | 16.6% | +30% |
| SouthPoint Bank | $384M | 15.0% | +19% |
| Cullman Savings Bank | $308M | 12.0% | +9% |
| Peoples Bank of Alabama | $294M | 11.5% | +2% |
| Premier Bank of the South | $244M | 9.5% | +23% |
| EvaBank | $167M | 6.5% | +1% |
| Wells Fargo Bank | $118M | 4.6% | +21% |
| Citizens Bank & Trust | $87M | 3.4% | +185% |
| PNC Bank | $64M | 2.5% | -52% |
| First National Bank of Pulaski | $43M | 1.7% | no 2021 presence |
| Woodforest National Bank | $2M | 0.1% | -10% |
The 12 insured institutions with a branch presence in this county, per the FDIC Summary of Deposits, June 30, 2026. Five-year change compares the same institution’s county deposits in 2021 and 2026. 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. “No 2021 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 4.5% of its deposits.
| Measure | Cullman County | Share of parent market |
|---|---|---|
| 2024 GDP | $3.3B | 4.2% |
| Deposits | $2.6B | 4.5% |
| 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.
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