Cullman Bancorp, Inc.

Cullman Bancorp, Inc.

Cullman Bancorp, Inc. was organized as a Maryland corporation in 2018 to serve as the stock holding company for Cullman Savings Bank upon the bank’s conversion from mutual to stock form. The bank itself has operated since 1912, providing retail banking services including residential mortgage lending, consumer loans, and deposit accounts within its local market. Public records indicate the company has no disclosed AUM or investment deployment distinct from its thrift balance sheet. Cullman Bancorp’s strategy consists of traditional portfolio lending and deposit gathering in Cullman County, Alabama. Its primary asset classes are residential mortgage loans, consumer loans, and securities held as investments — predominantly mortgage-backed securities and U.S. government agency debt. The company has reported no direct investments in private companies, venture capital, hedge funds, or alternative asset classes. The firm operates as a publicly traded entity under the ticker CULL (NASDAQ), with professional staff estimated at fewer than 50 based on banking industry norms. It maintains no additional offices beyond its Cullman location. No adjacent philanthropic foundation, operating company, or alternative investment vehicle is publicly disclosed in connection with the firm. Cullman Bancorp’s structural differentiator is its role as a small-cap publicly traded thrift holding company — a rare structure for a community bank that converted from mutual to stock form. It maintains regulatory oversight from the Office of the Comptroller of the Currency and the Federal Deposit Insurance Corporation, making its financial posture transparent through quarterly SEC filings.