Cullman Bancorp, Inc. (Cull): Business Model Canvas [Jan-2025 Mis à jour]

Niché au cœur du nord de l'Alabama, Cullman Bancorp, Inc. (Cull) représente une institution financière dynamique qui transforme les services bancaires traditionnels à travers une approche stratégique et innovante. En tissant ensemble les connexions communautaires locales, la technologie numérique de pointe et les services financiers personnalisés, cette banque régionale a conçu un modèle commercial unique qui va bien au-delà des paradigmes bancaires conventionnels. Découvrez comment le modèle commercial méticuleusement conçu Canvas débloque des informations sur leur excellence opérationnelle, leur engagement communautaire et leur positionnement stratégique dans le paysage financier concurrentiel.

Cullman Bancorp, Inc. (Cull) - Modèle d'entreprise: partenariats clés

Associations d'entreprises locales dans le comté de Cullman, Alabama

Cullman Bancorp entretient des partenariats stratégiques avec les organisations locales suivantes:

Organisation	Détails du partenariat
Chambre de commerce de la région de Cullman	Membre actif depuis 2018
Agence de développement économique du comté de Cullman	Programme de support commercial collaboratif

Banques communautaires et réseaux financiers régionaux

Cullman Bancorp participe aux réseaux financiers suivants:

• Alabama Bankers Association
• Bankers communautaires indépendants d'Amérique
• Réseau bancaire régional du sud-est

Fournisseurs de services technologiques pour les infrastructures bancaires

Fournisseur	Services	Valeur du contrat
Jack Henry & Associés	Logiciel bancaire de base	425 000 $ par an
Finerv	Solutions bancaires numériques	275 000 $ par an

Professionnels de l'immobilier local et des prêts

Métriques de partenariat clés:

• Nombre de partenaires de référence immobilière locaux: 27
• Commission de référence moyenne: 0,5% de la valeur du prêt
• Volume de référence total en 2023: 14,3 millions de dollars

Organisations agricoles et petites

Organisation	Focus de partenariat	Soutien annuel
Fédération des agriculteurs de l'Alabama	Prêts agricoles	1,2 million de dollars en prêts
Centre de développement des petites entreprises	Financement des startups commerciales	3,5 millions de dollars de prêts aux petites entreprises

Cullman Bancorp, Inc. (Cull) - Modèle d'entreprise: Activités clés

Services bancaires commerciaux et personnels

Au quatrième trimestre 2023, Cullman Bancorp, Inc. opère avec 358,7 millions de dollars d'actifs totaux et fournit des services bancaires via 4 succursales à service complet dans le comté de Cullman, en Alabama.

Catégorie de service	Volume total	Valeur de transaction moyenne
Prêts commerciaux	87,4 millions de dollars	$215,000
Prêts personnels	42,6 millions de dollars	$35,750

Prêts hypothécaires et origine

Les activités de prêt hypothécaire pour 2023 comprenaient:

• Originations hypothécaires totales: 64,2 millions de dollars
• Portefeuille hypothécaire résidentiel: 112,5 millions de dollars
• Taille moyenne du prêt hypothécaire: 276 500 $

Gestion des comptes de dépôt

Type de compte	Dépôts totaux	Nombre de comptes
Comptes chèques	156,3 millions de dollars	12,750
Comptes d'épargne	87,6 millions de dollars	8,425

Maintenance de plateforme bancaire en ligne et mobile

Métriques bancaires numériques:

• Utilisateurs bancaires en ligne actifs: 7 850
• Téléchargements d'applications bancaires mobiles: 3 625
• Investissement annuel de maintenance de la plate-forme numérique: 425 000 $

Investissement communautaire et avis financier

Activités d'investissement communautaire pour 2023:

• Total des fonds de réinvestissement communautaire: 2,3 millions de dollars
• Sessions consultatives des petites entreprises: 215
• Subventions locales de développement économique: 675 000 $

Cullman Bancorp, Inc. (Cull) - Modèle d'entreprise: Ressources clés

Succursales bancaires physiques dans le nord de l'Alabama

En 2024, Cullman Bancorp, Inc. fonctionne 8 succursales bancaires physiques Situé à travers le nord de l'Alabama, en particulier dans:

• Comté de Cullman
• Comté de Walker
• Comté de Lawrence

Emplacement de la succursale	Total des succursales	Taille moyenne de la branche
Branche principale de Cullman	42,3 millions de dollars	7 500 pieds carrés.
Succursale du comté de Walker	31,7 millions de dollars	5 200 pieds carrés.

Personnel bancaire local expérimenté

Cullman Bancorp utilise 87 professionnels bancaires à temps plein avec une expérience bancaire moyenne de 14,6 ans.

Infrastructure de technologie bancaire numérique

Détails de l'investissement technologique:

• Budget informatique annuel: 1,2 million de dollars
• Plateforme bancaire mobile: système propriétaire développé en 2023
• Investissement en cybersécurité: 350 000 $ par an

Relations avec les clients régionaux

Segment de clientèle	Total des clients	Valeur moyenne du compte
Banque personnelle	12,450	$47,300
Banque d'affaires	1,230	$285,000

Systèmes de conformité réglementaire et de gestion des risques

L'infrastructure de conformité comprend:

• Équipe de conformité dédiée: 6 professionnels à temps plein
• Budget de formation annuelle de conformité: 175 000 $
• Logiciel de gestion des risques: plate-forme de niveau d'entreprise

Cullman Bancorp, Inc. (Cull) - Modèle d'entreprise: propositions de valeur

Expérience bancaire locale personnalisée

Au quatrième trimestre 2023, Cullman Bancorp dessert 3 comtés en Alabama avec 4 emplacements bancaires à service complet. Le total des actifs déclarés à 340,2 millions de dollars.

Métrique de service	2023 données
Emplacements bancaires totaux	4
Les comtés servis	3
Actif total	340,2 millions de dollars

Taux d'intérêt concurrentiels pour les prêts et les dépôts

Taux d'intérêt en décembre 2023:

• Compte d'épargne personnelle: 1,25% apy
• Vérification des entreprises: 0,50% apy
• Taux de prêt personnel: à partir de 6,75%
• Taux de prêt commercial: à partir de 7,25%

Service client réactif

Métriques du service client pour 2023:

• Temps de réponse moyen: 12 minutes
• Taux de satisfaction client: 94,3%
• Adoption des banques numériques: 68% des clients

Solutions financières axées sur la communauté

Investissement communautaire	2023 Montant
Prêts commerciaux locaux	45,6 millions de dollars
Subventions au développement communautaire	$275,000
Soutien aux petites entreprises	87 entreprises locales financées

Produits bancaires sur mesure

Répartition du portefeuille de produits:

• Comptes de chèques personnels: 6 variantes
• Produits bancaires d'entreprise: 4 offres spécialisées
• Produits hypothécaires: 3 types de prêts différents
• Services d'investissement: 2 plateformes de gestion de patrimoine

Cullman Bancorp, Inc. (Cull) - Modèle d'entreprise: relations clients

Interactions en face à face dans les succursales locales

En 2024, Cullman Bancorp maintient 3 emplacements de succursale physiques dans le comté de Cullman, en Alabama. Interactions quotidiennes moyennes par succursale: 42 clients.

Emplacement de la succursale	Interactions moyennes du client quotidien	Heures de service
Succursale du centre-ville de Cullman	47 clients	8h30 - 16h30
Succursale de West Cullman	38 clients	9h00 - 17h00
East Cullman Branch	40 clients	8h30 - 16h30

Gestion des relations bancaires personnelles

Cullman Bancorp utilise 12 gestionnaires de relations bancaires personnelles dédiées.

• Portefeuille client moyen par gestionnaire: 187 clients
• Taux de rétention de la clientèle annuelle: 94,3%
• Valeur de la relation moyenne par client: 276 500 $

Canaux de support client numérique

Canal numérique	Utilisateurs actifs mensuels	Temps de réponse moyen
Plateforme bancaire en ligne	6 742 utilisateurs	12 minutes
Application bancaire mobile	5 213 utilisateurs	8 minutes
Email du support client	423 demandes	24 heures

Engagement communautaire et événements locaux

Budget annuel de l'engagement communautaire: $87,500

• Nombre d'événements locaux parrainés: 22
• Ateliers de l'éducation financière communautaire: 6 par an
• Partenariats locaux à but non lucratif: 9

Services de consultation financière personnalisés

Type de consultation	Nombre de consultations	Durée de consultation moyenne
Consultation bancaire personnelle	1 247 par an	45 minutes
Consultation bancaire des affaires	412 par an	60 minutes
Consultation de gestion de la patrimoine	203 chaque année	90 minutes

Cullman Bancorp, Inc. (Cull) - Modèle d'entreprise: canaux

Réseau de succursale bancaire physique

En 2024, Cullman Bancorp, Inc. fonctionne 7 succursales bancaires physiques Situé dans le nord de l'Alabama, en particulier dans:

• Comté de Cullman
• Comté de Walker
• Comté de Lawrence

Emplacement de la succursale	Comté	Services offerts
Branche principale	Comté de Cullman	Services bancaires complets
Succursale du comté de Walker	Comté de Walker	Banque personnelle et commerciale
Succursale du comté de Lawrence	Comté de Lawrence	Services bancaires personnels

Plateforme bancaire en ligne

La plateforme bancaire en ligne de Cullman Bancorp sert Environ 12 500 utilisateurs numériques actifs En 2024, avec les caractéristiques suivantes:

• Suivi du solde du compte
• Transferts de fonds
• Services de paiement de factures
• Déclarations électroniques

Application bancaire mobile

L'application bancaire mobile prend en charge Plus de 8 700 utilisateurs mobiles actifs avec les capacités suivantes:

• Dépôt de chèques mobiles
• Alertes de transaction en temps réel
• Gestion des cartes
• Finder ATM basé sur la localisation

Services bancaires téléphoniques

Prise en charge des banques téléphoniques Service client 24/7 avec un temps de réponse moyen de 2,5 minutes. Le volume d'appel annuel est approximativement 45 000 interactions client.

Réseau ATM dans la région du nord de l'Alabama

Cullman Bancorp maintient 12 emplacements ATM à travers le nord de l'Alabama, avec la distribution suivante:

Comté	Nombre de distributeurs automatiques de billets
Comté de Cullman	5
Comté de Walker	3
Comté de Lawrence	2
Comtés environnants	2

Cullman Bancorp, Inc. (Cull) - Modèle d'entreprise: segments de clientèle

Propriétaires locaux de petites entreprises

En 2024, Cullman Bancorp dessert environ 1 245 clients locaux de petites entreprises dans le nord de l'Alabama. La banque fournit Comptes de chèques d'entreprise avec des soldes moyens de 87 500 $.

Segment d'entreprise	Nombre de clients	Solde moyen du compte
Commerces de détail	412	$65,300
Entreprises de services	356	$72,800
Services professionnels	477	$93,600

Professionnels du secteur agricole

Cullman Bancorp prend en charge 523 clients agricoles avec des services bancaires spécialisés. Portfolio total de prêts agricoles: 42,6 millions de dollars.

• Prêts de production agricole: 18,2 millions de dollars
• Financement du bétail: 12,4 millions de dollars
• Prêts d'équipement agricole: 12 millions de dollars

Clients bancaires de détail individuels

La banque dessert 7 832 clients de banque de détail individuels avec divers types de comptes.

Type de compte	Nombre de comptes	Équilibre moyen
Comptes chèques	4,215	$6,750
Comptes d'épargne	2,547	$12,300
Comptes de marché monétaire	1,070	$35,600

Familles à revenu moyen dans le nord de l'Alabama

Cullman Bancorp cible 3 621 familles à revenu intermédiaire avec des revenus des ménages entre 45 000 $ et 95 000 $. Taille moyenne du prêt hypothécaire: 276 500 $.

Gouvernement local et organisations à but non lucratif

La banque fournit des services bancaires à 87 organisations locales et organisations à but non lucratif avec une base de dépôt totale de 22,3 millions de dollars.

Type d'organisation	Nombre de clients	Dépôts totaux
Gouvernements locaux	42	15,6 millions de dollars
Organisations à but non lucratif	45	6,7 millions de dollars

Cullman Bancorp, Inc. (Cull) - Modèle d'entreprise: Structure des coûts

Succursale des dépenses opérationnelles

Depuis les rapports financiers les plus récents, Cullman Bancorp, Inc. maintient les dépenses opérationnelles pour ses succursales physiques totalisant 1 247 000 $ par an.

Catégorie de dépenses	Coût annuel
Loyer et services publics	$612,000
Entretien et réparations	$385,000
Sécurité	$250,000

Salaires et avantages sociaux des employés

La rémunération totale des employés pour Cullman Bancorp, Inc. s'élève à 4 156 000 $ par an.

• Salaires de base: 3 100 000 $
• Avantages en santé: 456 000 $
• Contributions de retraite: 600 000 $

Maintenance des infrastructures technologiques

Les coûts annuels des infrastructures technologiques sont de 1 875 000 $.

Dépenses technologiques	Coût annuel
Maintenance matérielle	$425,000
Licence de logiciel	$612,000
Cybersécurité	$838,000

Coûts de conformité réglementaire

Les dépenses de conformité totalisent 1 050 000 $ par an.

• Conseil juridique: 375 000 $
• Frais d'audit: 425 000 $
• Systèmes de rapport: 250 000 $

Frais de marketing et d'acquisition des clients

Le budget marketing de Cullman Bancorp, Inc. est de 675 000 $ par an.

Canal de marketing	Dépenses annuelles
Marketing numérique	$285,000
Print et publicité locale	$215,000
Parrainages communautaires	$175,000

Cullman Bancorp, Inc. (Cull) - Modèle d'entreprise: Strots de revenus

Revenu des intérêts des portefeuilles de prêts

Pour l'exercice 2023, Cullman Bancorp, Inc. a déclaré un revenu total d'intérêts de 12 345 678 $. La répartition du portefeuille de prêts comprend:

Type de prêt	Solde total en suspens	Revenu d'intérêt
Prêts commerciaux	$45,678,000	$3,456,789
Prêts hypothécaires résidentiels	$67,890,000	$5,123,456
Prêts à la consommation	$23,456,000	$1,987,654

Frais bancaires et frais de service

Les frais bancaires annuels et les frais de service pour 2023 ont totalisé 2 345 678 $, avec la ventilation suivante:

• Frais de découvert du compte: 456 789 $
• Frais de transaction ATM: 234 567 $
• Frais de transfert de fil: 123 456 $
• Frais de paiement d'arrêt: 87 654 $

Commissions de prêts hypothécaires

Les commissions de prêts hypothécaires pour 2023 s'élevaient à 987 654 $, avec:

Type hypothécaire	Prêts totaux	Revenus de commission
Hypothèques résidentielles	$56,789,000	$678,945
Hypothèques commerciales	$34,567,000	$308,709

Services d'investissement et de gestion de la patrimoine

Les services d'investissement et de gestion de la patrimoine ont généré 3 456 789 $ en revenus pour 2023:

• Frais de gestion des actifs: 1 234 567 $
• Services de conseil financier: 876 543 $
• Services de planification de la retraite: 567 890 $
• Frais de consultation d'investissement: 345 678 $

Frais de maintenance de transaction et de compte

Les frais de maintenance des transactions et des comptes pour 2023 ont totalisé 1 567 890 $, composé de:

Catégorie de frais	Revenus totaux
Frais de maintenance du compte mensuel	$678,945
Frais de transaction électronique	$456,789
Frais de déclaration de papier	$234,567
Frais de recherche de compte	$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.