CCB Community Bank: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
CCB Community Bank is one of the more profitable banks of its size. Its balance sheet stood at $662 million at June 30, 2026; it is based in Andalusia, Alabama. It earns about $2.62 a year on every $100 of assets, about double the median of $1.28 for the 2,660 banks with $100 million to $1 billion in assets. It also keeps 4.69 cents of net interest income on every dollar of earning assets, higher than about three-quarters of banks its size (median 3.95 cents). Much of that comes from cost control: it spends about 48 cents to bring in each dollar of revenue.
Net income for the quarter rose 15% from a year earlier, to $4.4 million. Over the same year, loans grew 2.3% and deposits shrank 1.2%. Concentration is the risk to watch: it holds commercial real estate loans worth 2.3 times its capital, about double the median of 1.2 times for banks its size.
As of June 30, 2026, CCB Community Bank reported a return on assets of 2.62%, a nonperforming-loan ratio of 0.19% and a Texas ratio of 1.58%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 225 E Three Notch St, Andalusia, AL 36420
- County
- Covington
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- No
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- July 1, 1947
- Former names
- Covington County Bank (1985-2007); SouthTrust Bank of Covington County (1984-1985); Citibanc of Alabama, Andalusia, Alabama (1977-1984)
- Offices
- 5 domestic
- Employees (FTE)
- 117
- Domestic deposits
- $592.5M
- Allowance for credit losses
- $6.4M
- Net charge-offs (YTD)
- $13K
- Average total assets
- $671.7M
- Average total loans
- $508.1M
- Average interest-bearing deposits
- $412.8M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- July 1, 1947
- FDIC Cert
- 16595
- Fed RSSD
- 655839
- Website
- www.bankccb.com →
- Parent Holding Company
- SOUTHERN NATIONAL CORPORATION (RSSD 1020395)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD. The UBPR's YTD ROA divides by the average of the quarterly average assets the bank reports on Schedule RC-K, while FDIC BankFind divides by the average of quarter-end total assets, so FDIC's ROA can differ from the YTD figure by a few hundredths of a point. This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full CCB Community Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock CCB Community Bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
CCB Community Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Metric pages for CCB Community Bank: ROA.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings. A community bank leverage ratio filer reports no CET1 ratio, so the first ratio column is the Tier 1 leverage ratio.
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.53% | 2.62% | 0.19% | 1.58% | 4.69% |
| Q1 2026 | 10.25% | 2.00% | 0.11% | 0.88% | 4.53% |
| Q4 2025 | 10.18% | 2.42% | 0.27% | 2.03% | 4.66% |
| Q3 2025 | 10.42% | 2.34% | 0.05% | 0.34% | 4.58% |
| Q2 2025 | 10.26% | 2.31% | 0.02% | 0.18% | 4.54% |
| Q1 2025 | 9.91% | 2.00% | 0.00% | 0.02% | 4.27% |
| Q4 2024 | 9.75% | 2.13% | 0.01% | 0.05% | 4.33% |
| Q3 2024 | 9.80% | 2.08% | 0.01% | 0.63% | 4.20% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 5 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| CCB Community Bank (main office) | Andalusia , AL | 36420 | $356.8M |
| Ccb - Opp Branch | Opp , AL | 36467 | $88.9M |
| North Ferdon Boulevard Branch | Crestview , FL | 32536 | $65.0M |
| Ccb - Niceville Branch | Niceville , FL | 32578 | $61.5M |
| Defuniak Springs Branch | Defuniak Springs , FL | 32435 | $20.2M |
Regulatory record
What the public regulatory sources show for CCB Community Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.3% of deposits in AL, rank 45 of 131 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 162 applications, 144 loans originated, $26.0M originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $275K approved, $275K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2005 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about CCB Community Bank
What are CCB Community Bank's total assets?
As of the Q2 2026 filing, CCB Community Bank reported total assets of $661.9 million in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is CCB Community Bank headquartered?
CCB Community Bank is headquartered in Andalusia, AL, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was CCB Community Bank founded?
CCB Community Bank was established in 1947, per the FDIC institution directory.
Is CCB Community Bank FDIC-insured?
Yes. CCB Community Bank is an FDIC-insured commercial bank (FDIC Certificate #16595). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates CCB Community Bank?
CCB Community Bank's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
How many branches does CCB Community Bank operate?
CCB Community Bank operates 5 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is CCB Community Bank's Texas Ratio?
CCB Community Bank's Texas Ratio is 1.58% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was CCB Community Bank previously called?
The charter now named CCB Community Bank has also operated as Covington County Bank (1985-2007), SouthTrust Bank of Covington County (1984-1985), Citibanc of Alabama, Andalusia, Alabama (1977-1984), per FDIC structure-change records.
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