Cullman Bancorp, Inc.: insider trades · United States · SEC (Form 4)

About Cullman Bancorp, Inc.

Cullman Bancorp, Inc. /MD/ (ticker: CULL) is a U.S.-listed bank holding company traded on the NYSE/NASDAQ and positioned as a small-cap community banking name. The parent company was organized in 2021 in connection with a mutual-to-stock conversion and owns 100% of Cullman Savings Bank. Cullman Bancorp itself has no meaningful operating business beyond holding the shares of its banking subsidiary and maintaining deposits with that institution. Its executive offices are located at 316 Second Avenue S.W., Cullman, Alabama, United States. The banking subsidiary, Cullman Savings Bank, is the franchise with operating substance and a long local heritage, originally chartered in 1887 under the name Cullman Building & Loan. The business model is straightforward and quintessentially regional-bank oriented: take deposits and deploy them into a diversified but geographically concentrated loan book. Core lending categories include one- to four-family residential real estate loans, commercial real estate loans, commercial and industrial loans, and, to a lesser extent, construction loans, multi-family real estate loans, and consumer loans. On the funding side, the bank offers checking accounts, savings accounts, IRAs, and certificates of deposit, while also using Federal Home Loan Bank advances as an additional source of liquidity and balance-sheet funding. This is a conservative banking profile, highly sensitive to net interest margin, funding costs, and local credit trends. From a competitive standpoint, Cullman Bancorp operates in a narrow and well-defined market area centered on Cullman County, Alabama. The bank serves its main office and branch network from a local footprint that is predominantly suburban and rural, roughly positioned between Birmingham and Huntsville. That geographic concentration can be an advantage in terms of relationship banking, local underwriting knowledge, and deposit franchise stickiness. At the same time, it means the company has less diversification than larger regional peers and therefore more exposure to local economic cycles, real estate conditions, and borrower concentrations. As a savings and loan holding company, it is subject to Federal Reserve oversight, while its banking subsidiary is supervised by the Office of the Comptroller of the Currency and, as a public company, by SEC disclosure requirements. Recent company filings indicate a stable, low-complexity institution with a balance-sheet profile typical of a community bank. The latest annual-report disclosures confirm that the company continues to focus on traditional local banking rather than expansion into adjacent financial businesses. For investors monitoring SEC Form 4 insider activity, the stock can also attract attention because insider transactions may be more informative in a smaller-cap, closely followed franchise. Overall, CULL is best understood as a localized U.S. banking franchise with a long operating history, a conservative product set, and a business model anchored in deposit gathering and relationship lending within its Alabama market.