17.25
0.00%
Close of 9 Nov 2026, in USD
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About Cullman Bancorp,
From its filings with the US Securities and Exchange Commission
Cullman Bancorp, is based in Cullman, Alabama and is incorporated in Maryland. Its shares trade on OTC under the ticker CULL. The SEC classifies its business as savings institutions, not federally chartered. In the fiscal year to 31 December 2023, it reported net income of $4.0m. At that date it held total assets of $411.6m and shareholders' equity of $101.7m.
Cullman Bancorp, Inc. is a Maryland corporation that was organized in 2021 and owns 100% of the outstanding common stock of Cullman Savings Bank. Effective July 15, 2021, Cullman Bancorp, Inc. became the stock holding company for Cullman Savings Bank as part of the mutual-to-stock conversion of Cullman Savings Bank, MHC. Since the completion of the conversion, we have not engaged in any significant business activity other than owning the common stock of and having savings deposits in Cullman Savings Bank. At December 31, 2023, we had consolidated assets of $411.6 million, consolidated deposits of $269.0 million and consolidated shareholders’ equity of $101.7 million.
Cullman Bancorp, Inc. is a savings and loan holding company and subject to comprehensive regulation by the Board of Governors of the Federal Reserve System (the “Federal Reserve Board”).
Our executive offices are located at 316 Second Avenue, S.W., Cullman, Alabama 35055. Our telephone number at this address is (256) 734-1740.
Cullman Savings Bank is a federally chartered stock savings bank headquartered in Cullman, Alabama. Cullman Savings Bank was originally chartered in 1887 under the name Cullman Building & Loan. In 1994, we converted to a federal savings bank charter and changed our name to Cullman Savings Bank. In 2009, we reorganized from the mutual to the stock form of ownership in connection with our initial mutual holding company reorganization.
Quoted from its 10-K, filed 22 Mar 2024. Read the filing on SEC.gov ↗
Company facts
- Sector
- Financials
- Industry
- Banks
- Listed since
- 9 Oct 2009
- Employees
- 36
- Head office
- 316 SECOND AVENUE SW, CULLMAN, AL, 35055
- Incorporated in
- MD
- Classification
- Savings Institutions, Not Federally Chartered
- Filer status
- <br>Emerging growth company
Leadership
Pay as last reported
- Mr. John RileyChairman of the Board, President, Chief Executive Officer, since 2009$517,196
- Ms. Katrina StephensChief Financial Officer, Senior Vice President
- Ms. Robin ParsonExecutive Vice President, Chief Operations Officer, Director, since 2009$338,998
- Ms. T'aira UgarkovichExecutive Vice President$287,798
- Mr. Robin O'BerryCorporate Secretary
- Ms. Nancy McClellanDirector$52,733
- Mr. Gregory BarksdaleIndependent Director$29,558
- Mr. Chad BurksIndependent Director$28,846
- Dr. Paul BussmanIndependent Director$34,212
- Ms. Lynne MortonIndependent Director$28,318
Environmental, social and governance
Scores out of 100, from our data supplier
- Overall
- 0
- Environment
- 0
- Social
- 0
- Governance
- 0
SWOT analysis
AI-generated by our data supplier. Not written or checked by our editors.
Strengths
- Cullman Bancorp serves Cullman County with community banking focused on local needs.
- The bank offers diverse deposit products including IRAs and specialized savings accounts.
- Cullman Bancorp provides comprehensive loan services for residential and commercial real estate.
Weaknesses
- Cullman Bancorp has only 36 employees limiting operational capacity.
- The bank operates exclusively within Cullman County with no expansion plans.
- Cullman Bancorp's IPO in 2009 restricts access to broader capital markets.
Opportunities
- Cullman Bancorp can expand services to neighboring counties in Alabama.
- The bank could introduce digital banking solutions to attract younger customers.
- Increasing demand for small business loans presents growth potential.
Threats
- Economic downturns in Cullman County could reduce loan demand.
- Competition from larger banks in Alabama poses a risk.
- Regulatory changes in the Financials sector may increase compliance costs.
Sources and methodology
- Data on this tab
- Our data supplier
- Chart on the Overview
- TradingView
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