A Brief History of Cullman Bancorp, Inc. (CULL)

Cullman Bancorp, Inc. is a bank holding company based in Cullman, Alabama. The company operates primarily through its subsidiary, Cullman Savings Bank, which provides a range of banking services to individuals and businesses in the area.

• 1975: Cullman Bancorp, Inc. was founded and established as the holding company of Cullman Savings Bank.
• 1980s-1990s: Cullman Bancorp, Inc. experienced steady growth and expansion, serving the local community with personal and commercial banking services.
• 2000: The company continued to thrive and adapt to changing market conditions, maintaining a strong presence in Cullman and surrounding areas.
• 2010: Cullman Bancorp, Inc. faced challenges during the economic downturn but managed to remain stable and continue serving its customers.
• Present: Cullman Bancorp, Inc. remains a trusted financial institution in Cullman, with a focus on customer service and community involvement.

Who Owns Cullman Bancorp, Inc. (CULL)

Cullman Bancorp, Inc. (CULL) is a publicly traded company, which means it is owned by its shareholders. The ownership of Cullman Bancorp, Inc. is divided among various institutional investors and individual investors.

Some of the major institutional investors that own shares of Cullman Bancorp, Inc. include Vanguard Group, BlackRock, and Dimensional Fund Advisors. These institutions hold significant portions of the company's outstanding shares and play a crucial role in its ownership structure.

Individual investors also own shares of Cullman Bancorp, Inc. through direct purchases on the stock market or through investment funds. These individual shareholders range from retail investors to high-net-worth individuals who see potential in the company's performance and growth prospects.

Overall, the ownership of Cullman Bancorp, Inc. is diversified among various institutional and individual investors, each having their own reasons for investing in the company.

Cullman Bancorp, Inc. (CULL) Mission Statement

At Cullman Bancorp, Inc., our mission is to serve our community with integrity and excellence in all that we do. We are committed to providing innovative financial solutions that meet the needs of our customers while building long-lasting relationships based on trust and respect.

We strive to promote economic growth and stability in Cullman and the surrounding areas by offering competitive banking services that help individuals and businesses prosper. Our team is dedicated to upholding the highest standards of ethics and professionalism in every interaction, ensuring that our customers receive the personalized attention they deserve.

• Serve the community with integrity and excellence
• Provide innovative financial solutions
• Build long-lasting relationships based on trust and respect
• Promote economic growth and stability
• Uphold the highest standards of ethics and professionalism
• Offer competitive banking services that help customers prosper

How Cullman Bancorp, Inc. (CULL) Works

Cullman Bancorp, Inc. (CULL) is a financial holding company that operates through its subsidiary, Cullman Savings Bank. The company provides a range of banking and financial services to individuals, businesses, and municipalities in Alabama.

Cullman Savings Bank: The primary subsidiary of Cullman Bancorp, Inc. is Cullman Savings Bank. This community bank offers a variety of banking products and services, including checking and savings accounts, loans, mortgages, and investment services.

Community Focus: Cullman Bancorp, Inc. prides itself on being a community-focused financial institution. They aim to build strong relationships with their customers and provide personalized service to meet their financial needs.

Financial Stability: As a publicly traded company listed on the NASDAQ, Cullman Bancorp, Inc. places a strong emphasis on financial stability and transparency. They strive to maintain a strong balance sheet and meet regulatory requirements to ensure the safety and security of their customers' funds.

Growth Strategies: Cullman Bancorp, Inc. is committed to sustainable growth and long-term success. They constantly evaluate market trends and customer needs to develop new products and services that will help them expand their customer base and increase their market share.

• Offering competitive interest rates on deposits and loans
• Investing in technology to enhance customer experience
• Expanding their branch network to reach more customers

How Cullman Bancorp, Inc. (CULL) Makes Money

Cullman Bancorp, Inc. is a financial holding company that operates primarily through its subsidiary, Cullman Savings Bank. The company generates revenue through various sources in the banking and financial services sector.

• Interest Income: The primary way Cullman Bancorp, Inc. makes money is through interest income from loans and securities. When the bank lends money to individuals or businesses, it charges interest on those loans. Similarly, the company earns interest on securities such as bonds and Treasury securities.
• Non-Interest Income: In addition to interest income, Cullman Bancorp, Inc. generates revenue through non-interest income sources such as fees and commissions. This can include fees for services like wealth management, mortgage origination, and deposit account maintenance.
• Investment Income: The company also makes money through investment activities. This can involve trading securities, investing in other financial institutions, or participating in the stock market.
• Deposit Accounts: Cullman Bancorp, Inc. benefits from the funds deposited by customers in various types of accounts. The bank can use these deposits to make loans and investments, earning interest income in the process.

In summary, Cullman Bancorp, Inc. generates revenue through a combination of interest income, non-interest income, investment income, and deposit accounts. By providing a range of financial services to customers, the company is able to maintain a steady stream of income and grow its business over time.