Cullman Bancorp is the holding company for Cullman Savings Bank, a federally chartered community savings bank headquartered in Cullman, Alabama, founded in 1887. The bank operates four branches, all within Cullman County, serving local individuals, families, and small-to-medium-sized businesses. Cullman Savings Bank funds its lending primarily through customer deposits and deploys those funds into loans, earning net interest income on the spread. The loan portfolio is concentrated in one- to four-family residential real estate loans (~52% of total loans), followed by commercial real estate loans (~30%), commercial and industrial loans (~9%), construction loans (~6%), and a small slice of consumer and home equity loans (~3%). The residential mortgage book is heavily weighted toward long-term fixed-rate loans, which creates meaningful interest rate sensitivity — rising rates can compress the bank's net interest margin while deposit costs increase. The bank operates with a lean cost structure of 57 full-time employees across its four branches, and profitability beyond interest rate dynamics is driven largely by expense efficiency and credit quality. Cullman Savings Bank competes on its long local history and community relationships rather than on price or product breadth.