Cullman Bancorp, Inc. is a holding company for Cullman Savings Bank. Cullman Savings Bank is a federally chartered stock savings bank headquartered in Cullman, Alabama. It offers a range of deposit and loan products to individuals and small businesses. Cullman Savings Bank’s business consists primarily of accepting deposits from the public and investing those deposits, together with funds generated from operations and borrowings, in residential loans, commercial real estate loans, construction loans, home equity loans and lines of credit, commercial loans, automobile and other consumer loans. Its primary deposit products are checking, savings, and term certificate accounts. Its primary lending products are residential mortgage, commercial, and installment loans.