Cullman Bancorp, Inc. (CULL) Balance Sheet
CULL balance sheet, 2025
December 31, 2025 · U.S. dollars$434.6M assets = $338.5M liabilities + $96.2M equity
Both columns are drawn to the same scale: what CULL owns equals what it owes plus shareholders’ equity. Hover a block for its value.
CULL financial health
Descriptive bands, not a rating. Fiscal 2025.
CULL balance sheet trends, 2019–2025
| Metric | Trend | Then | Latest | Change |
|---|---|---|---|---|
| Total assets | $298.1M2019 | $434.6M2025 | +6.5%/yr | |
| Total liabilities | $244.7M2019 | $338.5M2025 | +5.6%/yr | |
| Shareholders’ equity | $53.4M2019 | $96.2M2025 | +10.3%/yr | |
| Cash & short-term investments | $6.1M2019 | $17.1M2025 | +18.7%/yr | |
| Total debt | $51.5M2019 | $45.0M2025 | −2.2%/yr | |
| Net cash (debt) | −$45.4M2019 | −$27.9M2025 | +$17.5M | |
| Working capital | $5.8M2019 | −$267.1M2025 | −$272.9M | |
| Book value per share | $20.822019 | $16.232025 | −4.1%/yr | |
| Debt / equity | 0.962019 | 0.472025 | −0.50 | |
| Shares outstanding | 2.6M2019 | 5.9M2025 | +15.0%/yr |
Change is the average annual growth (CAGR) or the difference between the first and latest year.
CULL assets
CULL liabilities and equity
CULL debt vs cash
Debt includes short- and long-term borrowings and, where reported, lease obligations.
CULL balance sheet
| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | |
|---|---|---|---|---|---|---|---|
| Assets | |||||||
| Cash & short-term investments | $17.1M | $26.2M | $32.7M | $36.2M | $23.5M | $22.0M | $6.1M |
| Cash & equivalents | $3.0M | $3.1M | $4.4M | $6.4M | $2.2M | $3.1M | $6.1M |
| Short-term investments | $14.1M | $23.1M | $28.4M | $29.8M | $21.3M | $18.9M | — |
| Receivables | $1.6M | $1.3M | $1.3M | $1.2M | $775,000 | $1.0M | $0 |
| Inventory | $0 | $0 | −$14.3M | −$37.9M | −$63.1M | −$61.8M | $386,000 |
| Other current assets | $0 | $0 | $28.6M | $37.9M | $63.1M | $61.8M | $0 |
| Total current assets | $18.6M | $20.6M | $48.3M | $37.4M | $24.3M | $23.0M | $6.1M |
| Property, plant & equipment (net) | $16.6M | $17.2M | $14.0M | $10.9M | $9.5M | $8.6M | $8.5M |
| Goodwill & intangible assets | $0 | $0 | $0 | $0 | $775,000 | $1.0M | $0 |
| Long-term investments | $21.8M | $23.1M | $28.4M | $359.7M | $21.3M | $18.9M | $0 |
| Other non-current assets | $377.5M | $372.2M | $321.0M | $15.3M | $298.8M | $279.9M | $283.4M |
| Total assets | $434.6M | $433.0M | $411.6M | $423.2M | $354.7M | $331.4M | $298.1M |
| Liabilities | |||||||
| Accounts payable | $450,000 | $386,000 | $239,000 | $155,000 | $60,000 | $100,000 | $188.9M |
| Short-term debt | — | $5.0M | — | — | — | — | — |
| Total current liabilities | $285.7M | $109.1M | $239,000 | $293.1M | $232.1M | $217.1M | $269,000 |
| Long-term debt | $45.0M | $45.0M | $35.0M | $25.0M | $18.5M | $53.5M | $0 |
| Other long-term liabilities | $293.5M | $6.5M | $274.7M | $4.9M | $4.4M | $4.0M | $244.4M |
| Total liabilities | $338.5M | $332.8M | $309.9M | $323.0M | $255.0M | $274.5M | $244.7M |
| Shareholders' equity | |||||||
| Common stock & paid-in capital | $57,000 | $66,000 | $71,000 | $74,000 | $74,000 | $24,000 | $24,000 |
| Retained earnings (deficit) | $65.2M | $62.0M | $59.3M | $56.6M | $53.3M | $49.7M | $47.0M |
| Accumulated other comprehensive income | −$4.4M | −$5.6M | −$2.9M | −$3.6M | $277,000 | $542,000 | −$68,999 |
| Total shareholders' equity | $96.2M | $100.2M | $101.7M | $100.2M | $99.7M | $56.9M | $53.4M |
| Key figures | |||||||
| Total debt | $45.0M | $45.0M | $35.0M | $25.0M | $18.5M | $53.5M | $51.5M |
| Net cash (debt) | −$27.9M | −$18.8M | −$2.3M | $11.2M | $5.0M | −$31.5M | −$45.4M |
| Working capital | −$267.1M | −$88.5M | $48.1M | −$255.7M | −$207.8M | −$194.1M | $5.8M |
| Tangible book value | $96.2M | $100.2M | $101.7M | $100.2M | $99.0M | $55.9M | $53.4M |
| Book value per share | $16.23 | $15.30 | $14.17 | $14.30 | $14.55 | $8.43 | $20.82 |
| Shares outstanding | 5.9M | 6.6M | 7.2M | 7.0M | 6.9M | 6.7M | 2.6M |
| Current ratio | 0.07 | 0.19 | 202.08 | 0.13 | 0.10 | 0.11 | 22.66 |
| Quick ratio | 0.07 | 0.25 | 142.27 | 0.13 | 0.10 | 0.11 | 22.66 |
| Debt / equity | 0.47 | 0.45 | 0.34 | 0.25 | 0.19 | 0.94 | 0.96 |
| Equity / assets | 22.1% | 23.2% | 24.7% | 23.7% | 28.1% | 17.2% | 17.9% |
| Jun '26 | Mar '26 | Dec '25 | Sep '25 | Jun '25 | Mar '25 | Dec '24 | Sep '24 | Jun '24 | Mar '24 | Dec '23 | Sep '23 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Assets | ||||||||||||
| Cash & short-term investments | $3.6M | $4.2M | $3.0M | $3.4M | $5.9M | $27.9M | $3.1M | $4.5M | $4.7M | $31.6M | $32.7M | $31.0M |
| Cash & equivalents | $3.6M | $4.2M | $3.0M | $3.4M | $5.9M | $4.6M | $3.1M | $4.5M | $4.7M | $3.8M | $4.4M | $3.7M |
| Short-term investments | $23.1M | $21.3M | $7.3M | $21.9M | $23.1M | $23.2M | — | — | — | $27.7M | $28.4M | $27.3M |
| Receivables | $1.5M | $1.6M | $1.6M | $1.5M | $1.5M | $1.4M | $1.3M | $1.4M | $1.4M | $1.3M | $1.3M | $1.1M |
| Inventory | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | −$18.7M | −$14.3M | −$23.9M |
| Other current assets | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $4.5M | $28.6M | $23.9M |
| Total current assets | $5.1M | $5.8M | $4.5M | $4.9M | $7.4M | $29.3M | $4.4M | $6.0M | $6.1M | $18.7M | $48.3M | $32.2M |
| Property, plant & equipment (net) | $17.2M | $16.4M | $16.6M | $16.8M | $16.9M | $17.1M | $17.2M | $17.3M | $16.9M | $15.4M | $14.0M | $12.0M |
| Goodwill & intangible assets | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $1.3M | $0 |
| Long-term investments | $23.1M | $21.3M | $21.8M | $21.9M | $23.1M | $23.2M | $0 | $0 | $0 | $27.7M | $28.4M | $27.3M |
| Other non-current assets | $414.4M | $418.6M | $391.6M | $402.1M | $400.2M | $362.6M | $411.4M | $412.7M | $399.7M | $359.0M | $319.8M | $345.8M |
| Total assets | $459.6M | $462.1M | $434.6M | $445.7M | $447.5M | $432.2M | $433.0M | $435.9M | $422.6M | $420.7M | $411.6M | $417.3M |
| Liabilities | ||||||||||||
| Accounts payable | $445,000 | $540,000 | $450,000 | $481,000 | $386,000 | $365,000 | — | — | — | $381,000 | $239,000 | $235,000 |
| Short-term debt | — | — | — | — | — | — | $5.0M | — | — | — | — | — |
| Total current liabilities | $304.2M | $306.2M | — | $287.2M | $289.7M | $281.1M | $5.0M | — | — | $381,000 | $239,000 | $274.4M |
| Long-term debt | $55.0M | $55.0M | $45.0M | $55.0M | $55.0M | $45.0M | $0 | $0 | $0 | $45.0M | $35.0M | $35.0M |
| Other long-term liabilities | $8.1M | $6.6M | $293.5M | $7.7M | $7.1M | $6.4M | $327.8M | $336.0M | $322.6M | $274.0M | $274.7M | $6.7M |
| Total liabilities | $367.4M | $367.8M | $338.5M | $349.9M | $351.8M | $332.5M | $332.8M | $336.0M | $322.6M | $319.4M | $309.9M | $316.1M |
| Shareholders' equity | ||||||||||||
| Common stock & paid-in capital | $54,000 | $56,000 | $57,000 | $57,000 | $59,000 | $65,000 | $66,000 | $66,000 | $69,000 | $71,000 | $71,000 | $73,000 |
| Retained earnings (deficit) | $66.2M | $65.2M | $65.2M | $64.1M | $62.9M | $62.0M | $62.0M | $61.0M | $59.8M | $59.2M | $59.3M | $58.5M |
| Accumulated other comprehensive income | −$2.1M | −$2.2M | −$2.0M | −$2.2M | −$2.5M | −$2.6M | −$3.0M | −$2.2M | −$2.9M | −$3.1M | −$2.9M | −$3.9M |
| Total shareholders' equity | $92.3M | $94.4M | $96.2M | $95.8M | $95.8M | $99.6M | $100.2M | $100.0M | $100.0M | $101.3M | $101.7M | $101.2M |
| Key figures | ||||||||||||
| Total debt | $55.0M | $55.0M | $45.0M | $55.0M | $55.0M | $45.0M | $45.0M | $45.0M | $45.0M | $45.0M | $35.0M | $35.0M |
| Net cash (debt) | −$51.4M | −$50.8M | −$42.0M | −$51.6M | −$49.1M | −$17.1M | −$41.9M | −$40.5M | −$40.3M | −$13.4M | −$2.3M | −$4.0M |
| Working capital | −$299.1M | −$300.3M | — | −$282.3M | −$282.3M | −$251.9M | −$571,000 | — | — | $18.3M | $48.1M | −$242.3M |
| Tangible book value | $92.3M | $94.4M | $96.2M | $95.8M | $95.8M | $99.6M | $100.2M | $100.0M | $100.0M | $101.3M | $100.5M | $101.2M |
| Book value per share | $17.46 | $17.12 | $17.05 | $14.15 | $14.14 | $14.72 | $15.05 | $15.33 | $14.82 | $14.94 | $13.13 | $14.47 |
| Shares outstanding | 5.3M | 5.5M | 5.6M | 6.8M | 6.8M | 6.8M | 6.7M | 6.5M | 6.8M | 6.8M | 7.7M | 7.0M |
| Current ratio | 0.02 | 0.02 | — | 0.02 | 0.03 | 0.10 | 0.89 | — | — | 48.96 | 202.08 | 0.12 |
| Quick ratio | 0.02 | 0.02 | — | 0.02 | 0.03 | 0.10 | 0.89 | — | — | 86.22 | 142.27 | 0.12 |
| Debt / equity | 0.60 | 0.58 | 0.47 | 0.57 | 0.57 | 0.45 | 0.45 | 0.45 | 0.45 | 0.44 | 0.34 | 0.35 |
| Equity / assets | 20.1% | 20.4% | 22.1% | 21.5% | 21.4% | 23.1% | 23.2% | 22.9% | 23.7% | 24.1% | 24.7% | 24.3% |
Quarterly columns are labeled by the month the quarter ended. Figures in U.S. dollars as reported (latest annual report filed December 31, 2025); data from EODHD.
CULL financial position
At the end of fiscal 2025 (December 31, 2025), Cullman Bancorp had total assets of $434.6 million (up 0.4% from a year earlier), total liabilities of $338.5 million and shareholders' equity of $96.2 million. It held $17.1 million in cash and short-term investments against $45.0 million of debt, net debt of $27.9 million. Its current ratio was 0.07. In the latest quarter (ended June 30, 2026) total assets were $459.6 million and equity $92.3 million.
Related: CULL income statement, CULL cash flow statement, CULL key metrics. See the CULL stock overview for the latest quote and news.
CULL balance sheet FAQ
What are Cullman Bancorp's total assets?
Cullman Bancorp reported total assets of $434.6 million at the end of fiscal 2025 (December 31, 2025), compared with $433.0 million a year earlier.
How much debt does Cullman Bancorp have?
Cullman Bancorp had $45.0 million of total debt at the end of fiscal 2025, including short-term borrowings. Its debt-to-equity ratio was 0.47.
How much cash does Cullman Bancorp have?
Cullman Bancorp held $17.1 million in cash and short-term investments at the end of fiscal 2025; with $45.0 million of debt that is net debt of $27.9 million.
What is Cullman Bancorp's book value?
Cullman Bancorp's shareholders' equity (book value) was $96.2 million at the end of fiscal 2025, or $16.23 per share.
What is Cullman Bancorp's current ratio?
Cullman Bancorp had current assets of $18.6 million and current liabilities of $285.7 million, a current ratio of 0.07 (current liabilities exceed current assets).