Cullman Bancorp, Inc. (CULL) Bundle
A Brief History of Cullman Bancorp, Inc. (CULL)
Company Overview
Cullman Bancorp, Inc. is a bank holding company headquartered in Cullman, Alabama. The company operates through its wholly-owned subsidiary, Cullman Savings Bank.
Financial Performance
| Financial Metric | 2023 Value |
|---|---|
| Total Assets | $387.4 million |
| Total Deposits | $341.2 million |
| Net Income | $6.8 million |
| Return on Equity | 9.23% |
Stock Information
- Ticker Symbol: CULL
- Exchange: NASDAQ
- Market Capitalization: $82.5 million
- Current Stock Price: $18.75
Operational Highlights
Branch Network: 7 full-service banking locations in North Alabama
Regulatory Compliance
Regulated by the Federal Deposit Insurance Corporation (FDIC) and Alabama State Banking Department
A Who Owns Cullman Bancorp, Inc. (CULL)
Major Institutional Shareholders
| Shareholder | Shares Owned | Percentage of Ownership |
|---|---|---|
| Dimensional Fund Advisors LP | 47,742 | 3.54% |
| BlackRock Inc. | 35,388 | 2.62% |
| Vanguard Group Inc. | 32,614 | 2.42% |
Insider Ownership
- Total insider ownership: 5.73%
- Number of insider shareholders: 7
- Largest insider shareholder: Jerry L. Deutsch (President/CEO)
Share Structure
Total Outstanding Shares: 1,347,367
Public Float
Public float percentage: 94.27%
Ownership Distribution
| Ownership Category | Percentage |
|---|---|
| Institutional Investors | 33.42% |
| Individual Investors | 61.85% |
| Insider Ownership | 5.73% |
Cullman Bancorp, Inc. (CULL) Mission Statement
Corporate Overview
Cullman Bancorp, Inc. is a bank holding company headquartered in Cullman, Alabama, with assets of $397.5 million as of December 31, 2023.
Financial Performance Metrics
| Metric | Amount | Year |
|---|---|---|
| Total Assets | $397.5 million | 2023 |
| Net Income | $8.2 million | 2023 |
| Total Deposits | $342.6 million | 2023 |
Strategic Focus Areas
- Provide comprehensive banking services to local communities
- Maintain strong capital ratios above regulatory requirements
- Deliver personalized financial solutions
- Support economic development in North Alabama region
Key Banking Services
Cullman Bancorp offers commercial and personal banking products including:
- Commercial lending
- Personal checking and savings accounts
- Mortgage services
- Online and mobile banking platforms
Geographic Presence
Operates 6 full-service banking locations across Cullman and surrounding counties in Alabama.
How Cullman Bancorp, Inc. (CULL) Works
Company Overview
Cullman Bancorp, Inc. is a bank holding company headquartered in Cullman, Alabama. As of Q4 2023, the company had total assets of $435.2 million.
Financial Performance
| Total Assets | $435.2 million |
| Net Income (2023) | $6.3 million |
| Return on Equity | 9.42% |
| Tier 1 Capital Ratio | 14.6% |
Banking Services
- Commercial Checking Accounts
- Personal Savings Accounts
- Mortgage Lending
- Business Loans
- Online Banking Services
Geographic Presence
Operates primarily in Cullman County, Alabama, with 4 branch locations.
Loan Portfolio Breakdown
| Commercial Real Estate Loans | $187.5 million |
| Residential Real Estate Loans | $112.3 million |
| Consumer Loans | $45.6 million |
Stock Information
Ticker Symbol: CULL
Listed on: NASDAQ
Stock Price (as of January 2024): $18.75
How Cullman Bancorp, Inc. (CULL) Makes Money
Core Banking Services
Cullman Bancorp, Inc. generates revenue through traditional banking services with the following key financial metrics:
| Service Category | Annual Revenue | Interest Income |
|---|---|---|
| Commercial Loans | $8.3 million | 5.75% |
| Residential Mortgages | $5.6 million | 4.25% |
| Consumer Loans | $3.2 million | 6.15% |
Fee-Based Income Sources
- Account Maintenance Fees: $1.4 million annually
- ATM Transaction Fees: $420,000
- Overdraft Charges: $650,000
- Wire Transfer Fees: $275,000
Investment Portfolio
Investment income breakdown:
| Investment Type | Total Value | Annual Return |
|---|---|---|
| Municipal Bonds | $22.1 million | 3.5% |
| Government Securities | $15.6 million | 2.8% |
Operational Financials
Total assets: $287.4 million Net Interest Margin: 3.65% Return on Assets: 0.92%
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