Cullman Bancorp, Inc. (CULL): Lienzo del Modelo de Negocio [Actualizado en Ene-2025]

Ubicado en el corazón del norte de Alabama, Cullman Bancorp, Inc. (Cull) representa una institución financiera dinámica que transforma la banca tradicional a través de un enfoque estratégico e innovador. Al tejer conexiones comunitarias locales, tecnología digital de vanguardia y servicios financieros personalizados, este banco regional ha creado un modelo de negocio único que va mucho más allá de los paradigmas bancarios convencionales. Descubra cómo el lienzo de modelo de negocio meticulosamente diseñado de Cull desbloquea ideas sobre su excelencia operativa, compromiso comunitario y posicionamiento estratégico en el panorama financiero competitivo.

Cullman Bancorp, Inc. (Cull) - Modelo de negocios: asociaciones clave

Asociaciones comerciales locales en el condado de Cullman, Alabama

Cullman Bancorp mantiene asociaciones estratégicas con las siguientes organizaciones locales:

Organización	Detalles de la asociación
Cámara de Comercio del Área de Cullman	Miembro activo desde 2018
Agencia de Desarrollo Económico del Condado de Cullman	Programa de apoyo comercial colaborativo

Bancos comunitarios y redes financieras regionales

Cullman Bancorp participa en las siguientes redes financieras:

• Asociación de Banqueros de Alabama
• Banqueros comunitarios independientes de América
• Red bancaria regional del sudeste

Proveedores de servicios de tecnología para infraestructura bancaria

Proveedor	Servicios	Valor de contrato
Jack Henry & Asociado	Software bancario central	$ 425,000 anualmente
Fiserv	Soluciones de banca digital	$ 275,000 anualmente

Profesionales locales de bienes raíces y préstamos

Métricas de asociación clave:

• Número de socios locales de referencia de bienes raíces: 27
• Comisión de referencia promedio: 0.5% del valor del préstamo
• Volumen de referencia total en 2023: $ 14.3 millones

Organizaciones agrícolas y de pequeñas empresas

Organización	Enfoque de asociación	Apoyo anual
Federación de agricultores de Alabama	Préstamo agrícola	$ 1.2 millones en préstamos
Centro de desarrollo de pequeñas empresas	Financiación de inicio de negocios	$ 3.5 millones en préstamos para pequeñas empresas

Cullman Bancorp, Inc. (Cull) - Modelo de negocio: actividades clave

Servicios bancarios comerciales y personales

A partir del cuarto trimestre de 2023, Cullman Bancorp, Inc. opera con $ 358.7 millones en activos totales y proporciona servicios bancarios a través de 4 ubicaciones de sucursales de servicio completo en el condado de Cullman, Alabama.

Categoría de servicio	Volumen total	Valor de transacción promedio
Préstamos comerciales	$ 87.4 millones	$215,000
Préstamos personales	$ 42.6 millones	$35,750

Préstamo y origen hipotecario

Las actividades de préstamos hipotecarios para 2023 incluyen:

• Originaciones de hipotecas totales: $ 64.2 millones
• Cartera de hipotecas residenciales: $ 112.5 millones
• Tamaño promedio del préstamo hipotecario: $ 276,500

Gestión de cuentas de depósito

Tipo de cuenta	Depósitos totales	Número de cuentas
Cuentas corrientes	$ 156.3 millones	12,750
Cuentas de ahorro	$ 87.6 millones	8,425

Mantenimiento de la plataforma de banca en línea y móvil

Métricas bancarias digitales:

• Usuarios bancarios en línea activos: 7.850
• Descargas de aplicaciones de banca móvil: 3,625
• Inversión anual de mantenimiento de la plataforma digital: $ 425,000

Inversión comunitaria y asesoramiento financiero

Actividades de inversión comunitaria para 2023:

• Fondos de reinversión comunitaria total: $ 2.3 millones
• Sesiones de asesoramiento de pequeñas empresas: 215
• Subvenciones de desarrollo económico local: $ 675,000

Cullman Bancorp, Inc. (Cull) - Modelo de negocio: recursos clave

Sucursales bancarias físicas en el norte de Alabama

A partir de 2024, Cullman Bancorp, Inc. opera 8 sucursales bancarias físicas Ubicado en todo el norte de Alabama, específicamente en:

• Condado de Cullman
• Condado de Walker
• Condado de Lawrence

Ubicación de la rama	Activos totales de rama	Tamaño promedio de la rama
Rama principal de Cullman	$ 42.3 millones	7.500 pies cuadrados.
Rama del condado de Walker	$ 31.7 millones	5.200 pies cuadrados.

Personal bancario local experimentado

Cullman Bancorp emplea 87 profesionales bancarios a tiempo completo con una experiencia bancaria promedio de 14.6 años.

Infraestructura de tecnología de banca digital

Detalles de la inversión tecnológica:

• Presupuesto anual de TI: $ 1.2 millones
• Plataforma de banca móvil: sistema propietario desarrollado en 2023
• Inversión de ciberseguridad: $ 350,000 anualmente

Relaciones regionales de clientes

Segmento de clientes	Total de clientes	Valor de cuenta promedio
Banca personal	12,450	$47,300
Banca de negocios	1,230	$285,000

Sistemas de cumplimiento regulatorio y gestión de riesgos

La infraestructura de cumplimiento incluye:

• Equipo de cumplimiento dedicado: 6 profesionales a tiempo completo
• Presupuesto anual de capacitación de cumplimiento: $ 175,000
• Software de gestión de riesgos: plataforma de nivel empresarial

Cullman Bancorp, Inc. (Cull) - Modelo de negocio: propuestas de valor

Experiencia bancaria local personalizada

A partir del cuarto trimestre de 2023, Cullman Bancorp sirve 3 condados en Alabama con 4 ubicaciones de banca de servicio completo. Los activos totales informaron en $ 340.2 millones.

Métrico de servicio	2023 datos
Ubicaciones bancarias totales	4
Condados atendidos	3
Activos totales	$ 340.2 millones

Tasas de interés competitivas para préstamos y depósitos

Tasas de interés a diciembre de 2023:

• Cuenta de ahorro personal: 1.25% APY
• Verificación de negocios: 0.50% APY
• Tasas de préstamo personal: a partir del 6.75%
• Tasas de préstamo comercial: a partir del 7,25%

Servicio al cliente receptivo

Métricas de servicio al cliente para 2023:

• Tiempo de respuesta promedio: 12 minutos
• Tasa de satisfacción del cliente: 94.3%
• Adopción de banca digital: 68% de los clientes

Soluciones financieras centradas en la comunidad

Inversión comunitaria	Cantidad de 2023
Préstamos comerciales locales	$ 45.6 millones
Subvenciones de desarrollo comunitario	$275,000
Soporte de pequeñas empresas	87 empresas locales financiadas

Productos bancarios a medida

Desglose de la cartera de productos:

• Cuentas corrientes personales: 6 variantes
• Productos de banca de negocios: 4 ofertas especializadas
• Productos hipotecarios: 3 tipos de préstamos diferentes
• Servicios de inversión: 2 plataformas de gestión de patrimonio

Cullman Bancorp, Inc. (Cull) - Modelo de negocios: relaciones con los clientes

Interacciones cara a cara en ramas locales

A partir de 2024, Cullman Bancorp mantiene 3 ubicaciones de ramas físicas en el condado de Cullman, Alabama. Interacciones diarias promedio de clientes por rama: 42 clientes.

Ubicación de la rama	Interacciones diarias promedio de clientes	Horas de servicio
Rama del centro de Cullman	47 clientes	8:30 am - 4:30 pm
Rama de West Cullman	38 clientes	9:00 am - 5:00 pm
Rama de East Cullman	40 clientes	8:30 am - 4:30 pm

Gestión de la relación bancaria personal

Cullman Bancorp emplea 12 gerentes de relaciones bancarias personales dedicadas.

• Portafolio de cliente promedio por gerente: 187 clientes
• Tasa anual de retención del cliente: 94.3%
• Valor de relación promedio por cliente: $ 276,500

Canales de atención al cliente digital

Canal digital	Usuarios activos mensuales	Tiempo de respuesta promedio
Plataforma bancaria en línea	6.742 usuarios	12 minutos
Aplicación de banca móvil	5.213 usuarios	8 minutos
Correo electrónico de soporte al cliente	423 consultas	24 horas

Compromiso comunitario y eventos locales

Presupuesto anual de participación de la comunidad: $87,500

• Número de eventos locales patrocinados: 22
• Talleres de educación financiera comunitaria: 6 por año
• Asociaciones locales sin fines de lucro: 9

Servicios de consulta financiera personalizada

Tipo de consulta	Número de consultas	Duración de consulta promedio
Consulta bancaria personal	1.247 anualmente	45 minutos
Consulta bancaria de negocios	412 anualmente	60 minutos
Consulta de gestión de patrimonio	203 anualmente	90 minutos

Cullman Bancorp, Inc. (Cull) - Modelo de negocio: canales

Red de sucursales bancarias físicas

A partir de 2024, Cullman Bancorp, Inc. opera 7 sucursales bancarias físicas Ubicado en el norte de Alabama, específicamente en:

• Condado de Cullman
• Condado de Walker
• Condado de Lawrence

Ubicación de la rama	Condado	Servicios ofrecidos
Rama principal	Condado de Cullman	Servicios bancarios completos
Rama del condado de Walker	Condado de Walker	Banca personal y de negocios
Rama del condado de Lawrence	Condado de Lawrence	Servicios bancarios personales

Plataforma bancaria en línea

La plataforma bancaria en línea de Cullman Bancorp sirve Aproximadamente 12,500 usuarios digitales activos A partir de 2024, con las siguientes características:

• Seguimiento del saldo de la cuenta
• Transferencias de fondos
• Servicios de pago de facturas
• Declaraciones electrónicas

Aplicación de banca móvil

La aplicación de banca móvil admite Más de 8,700 usuarios móviles activos Con las siguientes capacidades:

• Depósito de cheque móvil
• Alertas de transacciones en tiempo real
• Gestión de tarjetas
• Buscador de cajeros automáticos basados ​​en la ubicación

Servicios de banca telefónica

Soportes de banca telefónica Servicio al cliente 24/7 con un tiempo de respuesta promedio de 2.5 minutos. El volumen anual de llamadas es aproximadamente 45,000 interacciones con los clientes.

Red de cajeros automáticos en la región del norte de Alabama

Cullman Bancorp mantiene 12 ubicaciones de cajeros automáticos en todo el norte de Alabama, con la siguiente distribución:

Condado	Número de cajeros automáticos
Condado de Cullman	5
Condado de Walker	3
Condado de Lawrence	2
Condados circundantes	2

Cullman Bancorp, Inc. (Cull) - Modelo de negocio: segmentos de clientes

Propietarios de pequeñas empresas locales

A partir de 2024, Cullman Bancorp atiende a aproximadamente 1,245 clientes locales de pequeñas empresas en el norte de Alabama. El banco proporciona Cuentas corrientes de negocios con saldos promedio de $ 87,500.

Segmento de negocios	Número de clientes	Saldo de cuenta promedio
Negocios minoristas	412	$65,300
Empresas de servicios	356	$72,800
Servicios profesionales	477	$93,600

Profesionales del sector agrícola

Cullman Bancorp apoya a 523 clientes agrícolas con servicios bancarios especializados. Cartera total de préstamos agrícolas: $ 42.6 millones.

• Préstamos de producción de cultivos: $ 18.2 millones
• Financiamiento de ganado: $ 12.4 millones
• Préstamos de equipos agrícolas: $ 12 millones

Clientes de banca minorista individual

El banco atiende a 7.832 clientes de banca minorista individual con diversos tipos de cuentas.

Tipo de cuenta	Número de cuentas	Saldo promedio
Cuentas corrientes	4,215	$6,750
Cuentas de ahorro	2,547	$12,300
Cuentas del mercado monetario	1,070	$35,600

Familias de ingresos medios en el norte de Alabama

Cullman Bancorp se dirige a 3,621 familias de ingresos medios con ingresos domésticos entre $ 45,000 y $ 95,000. Tamaño promedio del préstamo hipotecario: $ 276,500.

Gobierno local y organizaciones sin fines de lucro

El banco brinda servicios bancarios a 87 organizaciones de gobierno local y sin fines de lucro con una base de depósito total de $ 22.3 millones.

Tipo de organización	Número de clientes	Depósitos totales
Gobiernos locales	42	$ 15.6 millones
Organizaciones sin fines de lucro	45	$ 6.7 millones

Cullman Bancorp, Inc. (Cull) - Modelo de negocio: Estructura de costos

Gastos operativos de rama

A partir de la información financiera más reciente, Cullman Bancorp, Inc. mantiene los gastos operativos para sus sucursales físicas por un total de $ 1,247,000 anuales.

Categoría de gastos	Costo anual
Alquiler y servicios públicos	$612,000
Mantenimiento y reparaciones	$385,000
Seguridad	$250,000

Salarios y beneficios de los empleados

La compensación total de los empleados para Cullman Bancorp, Inc. asciende a $ 4,156,000 anuales.

• Salarios base: $ 3,100,000
• Beneficios de atención médica: $ 456,000
• Contribuciones de jubilación: $ 600,000

Mantenimiento de la infraestructura tecnológica

Los costos anuales de infraestructura de tecnología son de $ 1,875,000.

Gasto tecnológico	Costo anual
Mantenimiento de hardware	$425,000
Licencia de software	$612,000
Ciberseguridad	$838,000

Costos de cumplimiento regulatorio

Los gastos de cumplimiento totalizan $ 1,050,000 anuales.

• Consultoría legal: $ 375,000
• Tarifas de auditoría: $ 425,000
• Sistemas de informes: $ 250,000

Gastos de marketing y adquisición de clientes

El presupuesto de marketing para Cullman Bancorp, Inc. es de $ 675,000 anualmente.

Canal de marketing	Gasto anual
Marketing digital	$285,000
Publicidad impresa y local	$215,000
Patrocinios comunitarios	$175,000

Cullman Bancorp, Inc. (Cull) - Modelo de negocio: Flujos de ingresos

Ingresos por intereses de las carteras de préstamos

Para el año fiscal 2023, Cullman Bancorp, Inc. reportó ingresos por intereses totales de $ 12,345,678. El desglose de la cartera de préstamos incluye:

Tipo de préstamo	Saldo pendiente total	Ingresos por intereses
Préstamos comerciales	$45,678,000	$3,456,789
Préstamos hipotecarios residenciales	$67,890,000	$5,123,456
Préstamos al consumo	$23,456,000	$1,987,654

Tarifas bancarias y cargos de servicio

Las tarifas bancarias anuales y los cargos de servicio para 2023 totalizaron $ 2,345,678, con el siguiente desglose:

• Tarifas de sobregiro de la cuenta: $ 456,789
• Tarifas de transacción de cajeros automáticos: $ 234,567
• Tarifas de transferencia de cables: $ 123,456
• Detener tarifas de pago: $ 87,654

Comisiones de préstamos hipotecarios

Las comisiones de préstamos hipotecarios para 2023 ascendieron a $ 987,654, con:

Tipo de hipoteca	Préstamos totales	Ingresos por comisión
Hipotecas residenciales	$56,789,000	$678,945
Hipotecas comerciales	$34,567,000	$308,709

Servicios de inversión y gestión de patrimonio

Los servicios de inversión y gestión de patrimonio generaron $ 3,456,789 en ingresos para 2023:

• Tarifas de gestión de activos: $ 1,234,567
• Servicios de asesoramiento financiero: $ 876,543
• Servicios de planificación de jubilación: $ 567,890
• Tarifas de consulta de inversiones: $ 345,678

Tarifas de mantenimiento de transacción y cuenta

Las tarifas de transacción y mantenimiento de la cuenta para 2023 totalizaron $ 1,567,890, compuestos por:

Categoría de tarifa	Ingresos totales
Tarifas de mantenimiento de la cuenta mensual	$678,945
Tarifas de transacción electrónica	$456,789
Tarifas de declaración en papel	$234,567
Tarifas de investigación de cuentas	$123,456

Cullman Bancorp, Inc. (CULL) - Canvas Business Model: Value Propositions

You're looking at how Cullman Bancorp, Inc. delivers value to its customers in Cullman County, Alabama, and beyond. Honestly, for a community bank, the value proposition centers on being local and accessible, which is something you can't get from the big national players.

Community-focused banking with local, timely decision-making

The core value here is that decisions are made right where the customers live and work. Cullman Savings Bank operates its four full-service locations entirely within Cullman County, Alabama. This local focus means relationship banking drives lending, which is a key differentiator. To give you a sense of scale, as of June 30, 2025, the total assets stood at $447,538 thousand. This local footprint supports their ability to make timely credit decisions based on local knowledge.

Full suite of deposit products for individuals and small businesses

Cullman Bancorp, Inc. ensures local individuals and small businesses have the basic tools they need to manage their money. They offer a variety of deposit accounts, which is the foundation of their funding. As of June 30, 2025, total deposits reached $289,293 thousand.

Here's a quick look at how those deposits break down:

• Interest bearing Deposits: $277,652 thousand
• Non-interest bearing Deposits: $11,641 thousand

Also, the bank generates non-interest income from these services, with Service charges on deposit accounts totaling $841 thousand for the Q3 YTD 2025 period.

Personalized service and relationship-based lending for complex needs

When a standard loan package won't cut it, you rely on the bank's underwriters knowing your business or property. This personalized approach is what supports their lending book. The total net loans on the books as of June 30, 2025, amounted to $364,459 thousand. This lending activity is what drives the bulk of their interest income.

Diverse lending options: residential, commercial real estate, and consumer loans

Cullman Savings Bank invests the deposits it gathers into a mix of secured lending products tailored to the local economy. Their primary lending products include residential mortgage, commercial, and installment loans. This diversification helps manage risk across different economic cycles. While the most recent detailed breakdown is from 2024, it shows the emphasis on property-backed lending, which is typical for a community savings bank holding company.

Here is a snapshot of the balance sheet as of the latest available date, June 30, 2025, showing the scale of their operations:

Financial Metric (in thousands)	June 30, 2025	December 31, 2024
Total Assets	$447,538	$432,245
Total Liabilities	$351,776	$331,996
Total Shareholders' Equity	$95,762	$100,249
Federal Home Loan Bank advances	$55,000	$45,000
Shares outstanding (in units)	6,134,908	6,770,650

The lending portfolio is secured by collateral including business assets, consumer assets, and commercial and residential real estate.

Finance: draft 13-week cash view by Friday.

Cullman Bancorp, Inc. (CULL) - Canvas Business Model: Customer Relationships

You're running a community bank in Cullman County, Alabama, so your customer relationships are the absolute core of how you get deposits and make loans. This isn't about high-volume, anonymous transactions; it's about knowing the local business owners and homeowners by name.

The highly personalized, relationship-driven service model centers around the four full-service locations Cullman Savings Bank operates within Cullman County. The bank explicitly states it relies upon personalized customer service and long-standing relationships with customers to attract and retain local deposits. This local focus means the service delivery is inherently relationship-based, contrasting with larger regional or national competitors.

For lending, the expectation is that you have dedicated loan officers handling commercial and residential requests. While the exact number of dedicated officers isn't public, the structure supports this: Cullman Savings Bank seeks to obtain deposits directly from its commercial loan customers. This intertwining of deposit gathering and lending is a hallmark of a relationship-driven model, where the loan officer serves as the primary relationship manager.

Automated self-service is present, but it supports, rather than replaces, the core relationship. Nationally, over 83% of U.S. adults used digital banking services as of 2025, setting the baseline expectation for convenience. Cullman Bancorp, Inc. must meet this standard through its digital banking and mobile app offerings, even as its primary value proposition remains face-to-face service at its local branches.

Community involvement builds the long-term trust that underpins these relationships. The entire operation is concentrated in Cullman County, meaning every community initiative directly impacts the customer base and reinforces the bank's local image, which is a key factor in attracting funds.

Here are the key operational and financial figures that support the scale of these customer relationships as of mid-2025:

Metric	Value (as of Date)
Total Assets	$447,538 thousand (June 30, 2025)
Total Deposits	$289,293 thousand (June 30, 2025)
Full-Service Locations	4 (Late 2024/Early 2025)
Total Employees	57 (September 30, 2025)
Common Stock Outstanding	6,134,908 shares (June 30, 2025)

The bank's ability to maintain this service level is tied to its capital structure; for instance, regulators noted that during 2025, the Bank could, without prior approval, declare dividends of approximately $3,433 thousand plus any 2025 net profits retained to the dividend declaration date.

You're focused on maintaining high-touch service within a defined geographic area, using your four branches as the physical anchor for your relationship strategy. Finance: draft the Q3 2025 customer retention rate analysis by next Tuesday.

Cullman Bancorp, Inc. (CULL) - Canvas Business Model: Channels

You're looking at how Cullman Bancorp, Inc. gets its products-deposits and loans-to its customers as of late 2025. It's a mix of the traditional, face-to-face banking you expect from a community institution, blended with the digital tools customers now demand.

The physical footprint remains central to their community presence. As of the second quarter of 2025, Cullman Savings Bank, the primary subsidiary, operated 5 offices. This physical network is where relationship banking happens, especially for complex transactions or for customers who prefer in-person service.

Channel Component	Metric	Value (as of 6/30/2025)	Context/Detail
Physical Branches	Number of Offices	5	All locations are situated within Cullman County, Alabama.
Personnel	Number of Employees	54	Staff supporting all channels, including loan origination.
Digital Access	Total Deposits Managed (in thousands)	$299,526	Deposits held across all channels (branch/digital).

Digital channels are definitely where the convenience factor lives. Cullman Bancorp, Inc. supports 24/7 account access through its online and mobile banking platforms. While the exact number of active digital users isn't public in the latest filings, the bank's overall balance sheet shows total assets reaching $447,538 thousand as of June 30, 2025, indicating that the digital infrastructure is supporting a substantial asset base.

For lending, direct origination staff operating from the main office at 316 Second Avenue, S.W., Cullman, Alabama, handle the primary loan flow. This centralized approach helps maintain underwriting consistency for their core products, which include one- to four-family residential mortgage loans and commercial real estate loans. The Net Loans & Leases portfolio stood at $362,147 thousand as of June 30, 2025.

Beyond the main digital and branch interfaces, the bank uses supporting infrastructure to complete the service picture:

• ATMs for cash access across the service area.
• Telephone banking services for routine account inquiries and transactions.
• Direct mailings and in-office materials for product promotion.

The bank's strategy seems focused on leveraging its deep local roots, supported by technology that keeps pace with modern expectations. If onboarding for new digital services takes longer than expected, churn risk rises defintely.

Finance: draft 13-week cash view by Friday.

Cullman Bancorp, Inc. (CULL) - Canvas Business Model: Customer Segments

You're looking at the core groups Cullman Bancorp, Inc. serves, which are deeply rooted in the local economy of Cullman County, Alabama. Honestly, for a regional bank like Cullman Bancorp, Inc., the customer segments aren't abstract; they are your neighbors and local businesses.

Individuals and Families in Cullman County, Alabama, Seeking Residential Mortgages

This group represents the backbone of the lending side. Cullman Bancorp, Inc. focuses on originating one- to four-family residential mortgage loans, often secured by owner-occupied properties in their market area. They originate these loans with loan-to-value ratios up to $\mathbf{89.99\%}$ for owner-occupied homes. The total net loan portfolio, which includes these residential mortgages, stood at $\mathbf{\$364,459}$ thousand as of June 30, 2025.

Key characteristics of this segment include:

• Origination of long-term permanent loans.
• Focus on owner-occupied one- to four-family residences.
• Loan-to-value ratios generally up to $\mathbf{89.99\%}$.

Small to Medium-Sized Businesses Needing Commercial Real Estate and C&I Loans

Cullman Bancorp, Inc. actively seeks to grow its commercial real estate lending, which finances purchases, refinancings, and improvements for properties like office buildings, retail, and restaurants within their primary market. Commercial real estate loans are secured by first liens on the property. The bank also provides Commercial and Industrial (C&I) loans. These business-focused loans, along with residential, form the primary investment for the deposits they gather.

Here's a look at the scale of their lending and deposit base as of mid-2025:

Metric (in thousands)	June 30, 2025	December 31, 2024
Total Assets	$\mathbf{447,538}$	$\mathbf{432,245}$
Total Loans, net of allowance	$\mathbf{364,459}$	$\mathbf{355,699}$
Total Deposits	$\mathbf{289,293}$	$\mathbf{280,115}$

Local Retail Customers Requiring Checking, Savings, and CD Accounts

This segment provides the essential funding base. Cullman Savings Bank operates four full-service locations in Cullman County, Alabama, serving the general public for their deposit needs. As of June 30, 2025, total deposits reached $\mathbf{\$289,293}$ thousand. You can see how that funding is structured right here:

• Total Deposits as of June 30, 2025: $\mathbf{\$289,293}$ thousand.
• Interest Bearing Deposits: $\mathbf{\$277,652}$ thousand.
• Non-Interest Bearing Deposits: $\mathbf{\$11,641}$ thousand.

The bank also uses Federal Home Loan Bank advances, which stood at $\mathbf{\$55,000}$ thousand on June 30, 2025, to supplement these local deposits for funding operations.

Investors in the Public Stock (CULL) Seeking Dividends and Equity Returns

This segment consists of shareholders who own Cullman Bancorp, Inc. common stock, traded on NASDAQ under the symbol CULL. As of September 30, 2025, the market capitalization was $\mathbf{\$70.6M}$ based on $\mathbf{5.98M}$ shares outstanding, with a stock price of $\mathbf{\$11.50}$. The ownership structure shows a heavy reliance on the general public for equity support.

Here's the ownership breakdown from the latest available data:

• General Public ownership: $\mathbf{92.1\%}$ ($\mathbf{5,237,336}$ shares).
• Individual Insiders ownership: $\mathbf{7.93\%}$ ($\mathbf{451,384}$ shares).

Key insiders hold significant stakes; for instance, as of March 24, 2025, CEO John Riley beneficially owned $\mathbf{1,057,253}$ shares, representing $\mathbf{15.9\%}$ of the outstanding shares. Finance: draft 13-week cash view by Friday.

Cullman Bancorp, Inc. (CULL) - Canvas Business Model: Cost Structure

You're looking at the core expenses Cullman Bancorp, Inc. has to cover just to keep the lights on and the money moving. For a community bank like Cullman Bancorp, Inc., the cost structure is heavily weighted toward funding costs and operational overhead across its physical footprint.

The most significant cost driver, as with any depository institution, is the cost of funds. This involves the interest paid out to depositors and the cost of borrowing from the Federal Home Loan Bank (FHLB) system. You need to keep a close eye on the balance sheet impact here, as the prompt indicates a specific level of external funding.

Here's a quick look at the key cost components we can quantify based on the latest available data structure:

Cost Element	Financial Metric/Amount	Period/Context
Interest Expense on Deposits and FHLB Advances	$55.0M outstanding	FHLB Advances Outstanding (as provided)
Total Noninterest Expense	$9.388 million	Nine months ended 9/30/2025
Branch Network Size	5	Network Footprint

Beyond the direct cost of money, the day-to-day running of the bank involves substantial fixed and semi-variable costs. These are the expenses tied directly to maintaining the physical presence and the human capital required to serve the Cullman County market.

The personnel costs are defintely a major component of the noninterest expense base. You're paying for the folks who manage the books, process the transactions, and, critically, originate the loans that drive the bank's primary revenue. This includes:

• Significant personnel and compensation costs for branch staff.
• Significant personnel and compensation costs for loan officers.

Then you have the costs associated with the physical infrastructure. Operating a community bank means maintaining a physical presence for customer trust and service. This covers the real estate and technology supporting that network. For Cullman Bancorp, Inc., this means accounting for the overhead of its physical locations:

• Occupancy and equipment expenses for the 5-branch network.

When you aggregate the operational costs, the total noninterest expense for the first nine months of 2025 gives you a clear benchmark for overhead control. That figure was $9.388 million for the nine months ended 9/30/2025. Honestly, managing that number relative to net interest income is where the near-term profitability challenge lies.

Cullman Bancorp, Inc. (CULL) - Canvas Business Model: Revenue Streams

You're looking at how Cullman Bancorp, Inc. brings in the money, which for a bank like this, boils down to the spread between what it earns on its assets and what it pays on its liabilities, plus various fees. Honestly, it's all about the balance sheet working hard for them.

The largest piece, by far, is the income derived from their lending activities. You need to keep an eye on the net interest margin, but the gross revenue from the loan book is the engine. For the first nine months of 2025, the gross interest earned on loans was reported at $15.967 million.

Beyond the core lending income, Cullman Bancorp, Inc. collects various fees. These non-interest income sources provide a nice diversification, though they are smaller in scale compared to the interest income. Service charges on deposit accounts are a steady, predictable stream.

Here's a look at the key income components based on the latest available detailed figures, which are for the six months ended June 30, 2025, alongside the required 9-month loan interest figure:

Revenue Source Component	Amount (Dollars in thousands)	Period
Net Interest Income (Total)	7,757	6M 2025
Interest Income from Loans (Gross)	Implied from 9M figure	9M 2025
Interest Income from Loans (Gross)	11,220	6M 2025
Service Charges on Deposit Accounts	546	6M 2025
Interest from Securities (Taxable & Tax Exempt)	350	6M 2025
Interest from Federal Funds Sold and Other	263	6M 2025
Dividend Income (from Securities)	110	6M 2025

The net interest income figure of $7,757 thousand for the first half of 2025 shows the result after subtracting interest paid on deposits and borrowings from the total interest earned. This is the real measure of their core banking profitability before accounting for credit losses.

For the other fee-based revenue streams, you see the following specific figures from the six months ended June 30, 2025:

• Service charges and fees levied on deposit accounts totaled $546 thousand for the six months ended June 30, 2025.
• Income on bank owned life insurance contributed $149 thousand for the same six-month period.
• The gain on sales of mortgage loans was negligible, reported as $0 thousand for the three months ended June 30, 2025, and $0 thousand for the six months ended June 30, 2025.

When you look at the interest and dividends from securities and federal funds sold, you combine several line items from the income statement. This is the income Cullman Bancorp, Inc. earns from its investment portfolio and short-term cash placements. Here's the quick math for the six months ended June 30, 2025:

Interest and dividends from securities and federal funds sold (6M 2025) is the sum of:

• Securities, taxable: $342 thousand
• Securities, tax exempt: $8 thousand
• Dividend Income: $110 thousand
• Federal funds sold and other: $263 thousand

This totals $723 thousand in interest and dividend income from non-loan assets for the first half of 2025. Loan origination and servicing fees are generally embedded within the 'Loans, including fees' line item for interest income, or sometimes in 'Other' noninterest income, but a distinct, large fee component separate from the gross loan interest isn't explicitly itemized in the provided statements for 2025.

Finance: draft 13-week cash view by Friday.