Cullman Bancorp, Inc. (Cull): Modelo de Negócios Canvas [Jan-2025 Atualizado]

Aninhado no coração do norte do Alabama, a Cullman Bancorp, Inc. (Cull) representa uma instituição financeira dinâmica que transforma o banco tradicional por meio de uma abordagem estratégica e inovadora. Ao tecer juntos as conexões da comunidade local, a tecnologia digital de ponta e os serviços financeiros personalizados, este banco regional criou um modelo de negócios exclusivo que vai muito além dos paradigmas bancários convencionais. Descubra como o modelo de negócios meticulosamente projetado de Cull desbloqueia informações sobre sua excelência operacional, comprometimento da comunidade e posicionamento estratégico no cenário financeiro competitivo.

Cullman Bancorp, Inc. (Cull) - Modelo de negócios: Parcerias -chave

Associações comerciais locais no Condado de Cullman, Alabama

Cullman Bancorp mantém parcerias estratégicas com as seguintes organizações locais:

Organização	Detalhes da parceria
Câmara de comércio da área de Cullman	Membro ativo desde 2018
Agência de Desenvolvimento Econômico do Condado de Cullman	Programa de suporte de negócios colaborativo

Bancos comunitários e redes financeiras regionais

Cullman Bancorp participa das seguintes redes financeiras:

• Associação de Banqueiros do Alabama
• Banqueiros comunitários independentes da América
• Rede Bancária Regional do Sudeste

Provedores de serviços de tecnologia para infraestrutura bancária

Provedor	Serviços	Valor do contrato
Jack Henry & Associados	Software bancário principal	US $ 425.000 anualmente
Fiserv	Soluções bancárias digitais	US $ 275.000 anualmente

Proprietários imobiliários locais e profissionais de empréstimos

Métricas -chave de parceria:

• Número de parceiros de referência imobiliários locais: 27
• Comissão Média de Referência: 0,5% do valor do empréstimo
• Volume total de referência em 2023: US $ 14,3 milhões

Organizações agrícolas e de pequenas empresas

Organização	Foco em parceria	Suporte anual
Federação dos agricultores do Alabama	Empréstimos agrícolas	US $ 1,2 milhão em empréstimos
Centro de Desenvolvimento de Pequenas Empresas	Financiamento de startup de negócios	US $ 3,5 milhões em empréstimos para pequenas empresas

Cullman Bancorp, Inc. (Cull) - Modelo de negócios: Atividades -chave

Serviços bancários comerciais e pessoais

A partir do quarto trimestre 2023, a Cullman Bancorp, Inc. opera com US $ 358,7 milhões em ativos totais e fornece serviços bancários através de 4 filiais de serviço completo no Condado de Cullman, Alabama.

Categoria de serviço	Volume total	Valor médio da transação
Empréstimos comerciais	US $ 87,4 milhões	$215,000
Empréstimos pessoais	US $ 42,6 milhões	$35,750

Empréstimos e originação hipotecária

Atividades de empréstimos hipotecários para 2023 incluídos:

• Origenas totais de hipoteca: US $ 64,2 milhões
• Portfólio de hipoteca residencial: US $ 112,5 milhões
• Tamanho médio do empréstimo hipotecário: US $ 276.500

Gerenciamento de conta de depósito

Tipo de conta	Total de depósitos	Número de contas
Contas de verificação	US $ 156,3 milhões	12,750
Contas de poupança	US $ 87,6 milhões	8,425

Manutenção da plataforma bancária online e móvel

Métricas bancárias digitais:

• Usuários bancários online ativos: 7.850
• Downloads de aplicativos bancários móveis: 3.625
• Investimento anual de manutenção da plataforma digital: US $ 425.000

Investimento comunitário e consultoria financeira

Atividades de investimento comunitário para 2023:

• Fundos totais de reinvestimento da comunidade: US $ 2,3 milhões
• Sessões de consultoria para pequenas empresas: 215
• Subsídios de desenvolvimento econômico local: US $ 675.000

Cullman Bancorp, Inc. (Cull) - Modelo de negócios: Recursos -chave

Filiais de bancos físicos no norte do Alabama

A partir de 2024, a Cullman Bancorp, Inc. opera 8 agências bancárias físicas Localizado no norte do Alabama, especificamente em:

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

Localização da filial	Total de ativos de ramificação	Tamanho médio da ramificação
Filial principal de Cullman	US $ 42,3 milhões	7.500 pés quadrados.
Filial do Condado de Walker	US $ 31,7 milhões	5.200 pés quadrados.

Equipe bancária local experiente

Cullman Bancorp emprega 87 profissionais bancários em tempo integral com uma experiência bancária média de 14,6 anos.

Infraestrutura de tecnologia bancária digital

Detalhes de investimento em tecnologia:

• Orçamento anual de TI: US $ 1,2 milhão
• Plataforma bancária móvel: sistema proprietário desenvolvido em 2023
• Investimento de segurança cibernética: US $ 350.000 anualmente

Relacionamentos regionais do cliente

Segmento de clientes	Total de clientes	Valor médio da conta
Bancos pessoais	12,450	$47,300
Banking de negócios	1,230	$285,000

Sistemas de conformidade regulatória e gerenciamento de riscos

A infraestrutura de conformidade inclui:

• Equipe de conformidade dedicada: 6 profissionais em tempo integral
• Orçamento anual de treinamento de conformidade: US $ 175.000
• Software de gerenciamento de riscos: plataforma de nível corporativo

Cullman Bancorp, Inc. (Cull) - Modelo de Negócios: Proposições de Valor

Experiência bancária local personalizada

A partir do quarto trimestre 2023, Cullman Bancorp serve 3 municípios do Alabama com 4 locais bancários de serviço completo. Total de ativos relatados em US $ 340,2 milhões.

Métrica de serviço	2023 dados
Total de locais bancários	4
Condados servidos	3
Total de ativos	US $ 340,2 milhões

Taxas de juros competitivas para empréstimos e depósitos

Taxas de juros em dezembro de 2023:

• Conta de poupança pessoal: 1,25% APY
• Verificação de negócios: 0,50% APY
• Taxas de empréstimo pessoal: a partir de 6,75%
• Taxas de empréstimos comerciais: a partir de 7,25%

Atendimento ao cliente responsivo

Métricas de atendimento ao cliente para 2023:

• Tempo médio de resposta: 12 minutos
• Taxa de satisfação do cliente: 94,3%
• Adoção bancária digital: 68% dos clientes

Soluções financeiras focadas na comunidade

Investimento comunitário	2023 quantidade
Empréstimos comerciais locais	US $ 45,6 milhões
Subsídios de desenvolvimento comunitário	$275,000
Suporte para pequenas empresas	87 empresas locais financiadas

Produtos bancários personalizados

Breakdown do portfólio de produtos:

• Contas de corrente pessoal: 6 variantes
• Produtos bancários de negócios: 4 ofertas especializadas
• Produtos hipotecários: 3 tipos diferentes de empréstimos
• Serviços de investimento: 2 plataformas de gerenciamento de patrimônio

Cullman Bancorp, Inc. (Cull) - Modelo de Negócios: Relacionamentos do Cliente

Interações presenciais nas filiais locais

A partir de 2024, Cullman Bancorp mantém 3 locais de ramificação física No condado de Cullman, Alabama. Interações médias diárias do cliente por filial: 42 clientes.

Localização da filial	Interações diárias da média do cliente	Horário de serviço
Downtown Cullman Branch	47 clientes	8:30 - 16:30
West Cullman Branch	38 clientes	9:00 - 17:00
Filial East Cullman	40 clientes	8:30 - 16:30

Gerenciamento de relacionamento bancário pessoal

Cullman Bancorp emprega 12 gerentes de relacionamento bancário pessoal dedicado.

• Portfólio médio de clientes por gerente: 187 clientes
• Taxa anual de retenção de clientes: 94,3%
• Valor médio de relacionamento por cliente: US $ 276.500

Canais de suporte ao cliente digital

Canal digital	Usuários ativos mensais	Tempo médio de resposta
Plataforma bancária online	6.742 usuários	12 minutos
Aplicativo bancário móvel	5.213 usuários	8 minutos
Email de suporte ao cliente	423 consultas	24 horas

Engajamento da comunidade e eventos locais

Orçamento anual de engajamento da comunidade: $87,500

• Número de eventos locais patrocinados: 22
• Workshops de educação financeira comunitária: 6 por ano
• Parcerias sem fins lucrativos locais: 9

Serviços de consulta financeira personalizados

Tipo de consulta	Número de consultas	Duração média da consulta
Consulta bancária pessoal	1.247 anualmente	45 minutos
Consulta Banking Banking	412 anualmente	60 minutos
Consulta de gerenciamento de patrimônio	203 anualmente	90 minutos

Cullman Bancorp, Inc. (Cull) - Modelo de Negócios: Canais

Rede de agência bancária física

A partir de 2024, a Cullman Bancorp, Inc. opera 7 agências bancárias físicas Localizado no norte do Alabama, especificamente em:

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

Localização da filial	Condado	Serviços oferecidos
Ramo principal	Condado de Cullman	Serviços bancários completos
Filial do Condado de Walker	Condado de Walker	Bancos pessoais e comerciais
Filial do Condado de Lawrence	Condado de Lawrence	Serviços bancários pessoais

Plataforma bancária online

A plataforma bancária on -line do Cullman Bancorp serve Aproximadamente 12.500 usuários digitais ativos a partir de 2024, com os seguintes recursos:

• Rastreamento do saldo da conta
• Transferências de fundos
• Serviços de pagamento da conta
• Declarações eletrônicas

Aplicativo bancário móvel

O aplicativo bancário móvel suporta Mais de 8.700 usuários móveis ativos Com os seguintes recursos:

• Depósito de cheque móvel
• Alertas de transações em tempo real
• Gerenciamento de cartões
• Finder ATM baseado em localização

Serviços bancários telefônicos

Suportes bancários telefônicos 24/7 de atendimento ao cliente com um tempo de resposta média de 2,5 minutos. O volume anual de chamadas é aproximadamente 45.000 interações com os clientes.

Rede ATM na região do norte do Alabama

Cullman Bancorp sustenta 12 ATM localizações No norte do Alabama, com a seguinte distribuição:

Condado	Número de caixas eletrônicos
Condado de Cullman	5
Condado de Walker	3
Condado de Lawrence	2
Condados vizinhos	2

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

Proprietários de pequenas empresas locais

A partir de 2024, Cullman Bancorp atende a aproximadamente 1.245 clientes locais de pequenas empresas no norte do Alabama. O banco fornece Contas de corrente de negócios com saldos médios de US $ 87.500.

Segmento de negócios	Número de clientes	Saldo médio da conta
Negócios de varejo	412	$65,300
Negócios de serviço	356	$72,800
Serviços profissionais	477	$93,600

Profissionais do setor agrícola

A Cullman Bancorp suporta 523 clientes agrícolas com serviços bancários especializados. Carteira total de empréstimos agrícolas: US $ 42,6 milhões.

• Empréstimos de produção agrícola: US $ 18,2 milhões
• Financiamento de gado: US $ 12,4 milhões
• Empréstimos para equipamentos agrícolas: US $ 12 milhões

Clientes bancários de varejo individuais

O banco atende a 7.832 clientes de bancos de varejo individuais com diversos tipos de conta.

Tipo de conta	Número de contas	Balanço médio
Contas de verificação	4,215	$6,750
Contas de poupança	2,547	$12,300
Contas do mercado monetário	1,070	$35,600

Famílias de renda média no norte do Alabama

Cullman Bancorp tem como alvo 3.621 famílias de renda média com renda familiar entre US $ 45.000 e US $ 95.000. Tamanho médio do empréstimo hipotecário: US $ 276.500.

Governo local e organizações sem fins lucrativos

O banco fornece serviços bancários a 87 organizações do governo local e sem fins lucrativos, com uma base total de depósitos de US $ 22,3 milhões.

Tipo de organização	Número de clientes	Total de depósitos
Governos locais	42	US $ 15,6 milhões
Organizações sem fins lucrativos	45	US $ 6,7 milhões

Cullman Bancorp, Inc. (Cull) - Modelo de negócios: estrutura de custos

Despesas operacionais de ramificação

A partir dos relatórios financeiros mais recentes, a Cullman Bancorp, Inc. mantém as despesas operacionais para suas filiais físicas, totalizando US $ 1.247.000 anualmente.

Categoria de despesa	Custo anual
Aluguel e utilitários	$612,000
Manutenção e reparos	$385,000
Segurança	$250,000

Salários e benefícios dos funcionários

A compensação total dos funcionários da Cullman Bancorp, Inc. equivale a US $ 4.156.000 anualmente.

• Salários base: US $ 3.100.000
• Benefícios para a saúde: US $ 456.000
• Contribuições de aposentadoria: US $ 600.000

Manutenção de infraestrutura de tecnologia

Os custos anuais de infraestrutura de tecnologia são de US $ 1.875.000.

Despesa de tecnologia	Custo anual
Manutenção de hardware	$425,000
Licenciamento de software	$612,000
Segurança cibernética	$838,000

Custos de conformidade regulatória

As despesas de conformidade totalizam US $ 1.050.000 anualmente.

• Consultoria legal: US $ 375.000
• Taxas de auditoria: US $ 425.000
• Sistemas de relatórios: US $ 250.000

Despesas de marketing e aquisição de clientes

O orçamento de marketing para a Cullman Bancorp, Inc. é de US $ 675.000 anualmente.

Canal de marketing	Gasto anual
Marketing digital	$285,000
Publicidade impressa e local	$215,000
Patrocínio da comunidade	$175,000

Cullman Bancorp, Inc. (Cull) - Modelo de negócios: fluxos de receita

Receita de juros de carteiras de empréstimos

Para o ano fiscal de 2023, a Cullman Bancorp, Inc. registrou receita total de juros de US $ 12.345.678. A quebra da carteira de empréstimos inclui:

Tipo de empréstimo	Balanço total em circulação	Receita de juros
Empréstimos comerciais	$45,678,000	$3,456,789
Empréstimos hipotecários residenciais	$67,890,000	$5,123,456
Empréstimos ao consumidor	$23,456,000	$1,987,654

Taxas bancárias e cobranças de serviço

As taxas bancárias anuais e as taxas de serviço para 2023 totalizaram US $ 2.345.678, com a seguinte quebra:

• Taxas de descoberta de conta: US $ 456.789
• Taxas de transação ATM: US $ 234.567
• Taxas de transferência de fio: US $ 123.456
• Parar taxas de pagamento: US $ 87.654

Comissões de empréstimos hipotecários

As comissões de empréstimos hipotecários para 2023 totalizaram US $ 987.654, com:

Tipo de hipoteca	Empréstimos totais	Receita da Comissão
Hipotecas residenciais	$56,789,000	$678,945
Hipotecas comerciais	$34,567,000	$308,709

Serviços de investimento e gerenciamento de patrimônio

Os serviços de gestão de investimentos e patrimônio geraram US $ 3.456.789 em receita para 2023:

• Taxas de gerenciamento de ativos: US $ 1.234.567
• Serviços de Consultoria Financeira: US $ 876.543
• Serviços de planejamento da aposentadoria: US $ 567.890
• Taxas de consulta de investimento: US $ 345.678

Taxas de transação e manutenção de contas

As taxas de transação e manutenção de contas para 2023 totalizaram US $ 1.567.890, composto por:

Categoria de taxa	Receita total
Taxas mensais de manutenção de conta	$678,945
Taxas de transação eletrônica	$456,789
Taxas de declaração em papel	$234,567
Taxas de pesquisa de conta	$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.