CBBC Bank
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Data as of · sourced from FFIEC call reports. How we update
CBBC Bank is an FDIC-insured commercial bank headquartered in Maryville, TN, established in 1973 (FDIC certificate 21227), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $562.1M, up 9.4% from Q2 2025, the 51st largest of 109 banks headquartered in Tennessee. Its CET1 capital ratio was 21.06% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 21227
- Headquarters
- Maryville, TN
- Established
- 1973
- Total assets, Q2 2026
- $562.1M
- Assets vs Q2 2025
- +9.4%
- CET1 ratio, Q2 2026
- 21.06%
- Domestic offices
- 7 FDIC institution directory, current count
- Routing number
- 064202501
- Holding company
- TWIN CITIES FINANCIAL SERVICES, INC.
- Asset rank in state
- 51st of 109 in Tennessee
CBBC Bank, based in Maryville, Tennessee, reported $562 million in assets at June 30, 2026, up 9.4% from a year earlier. It grew its loan book 18.9% over the year, 3.5 times the median of 5.5% for the 2,660 banks with $100 million to $1 billion in assets. It also carries problem assets equal to 0.1% of the capital and reserves that would absorb them, a small fraction of the median of 2.6% for banks its size.
Loans are outrunning deposits: over the year loans rose 18.9% and deposits rose 8.2%. Paper losses on its bond portfolio are shrinking: unrealized losses of $22 million equal 27% of Tier 1 capital, down from 37% a year earlier. Concentration is the risk to watch: it holds commercial real estate loans worth 2.0 times its capital, higher than about three-quarters of banks its size (median 1.2 times).
As of June 30, 2026, CBBC Bank reported a CET1 capital ratio of 21.06%, a return on assets of 1.24%, a nonperforming-loan ratio of 0.01% and a Texas ratio of 0.09%. The figures come from its call report filed with the FFIEC.
Of the 109 banks headquartered in Tennessee, CBBC Bank is the 51st largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 1.0% to $562.1M, loans rose 2.5% and deposits rose 1.2%. Non-owner-occupied commercial real estate loans made up 43.1% of its total loans on June 30, 2026, its largest category; next came 1-4 family residential loans at 21.1%. Its 7 offices in the FDIC Summary of Deposits are in 4 cities in TN; its Maryville 4 offices book 71% of its branch deposits. Judged on its Q2 2026 call report, CBBC Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 330 E Broadway Ave, Maryville, TN 37804
- County
- Blount
- Metro Area
- Knoxville, TN
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- Limited trust powers granted
- Call Report form
- FFIEC 051
- Established
- September 24, 1973
- Former names
- Citizens Bank of Blount County (1976-2016)
- Domestic offices
- 7 FDIC institution directory, current count
- Employees (FTE)
- 79
- Domestic deposits
- $478.8M
- Allowance for credit losses
- $4.9M
- Net charge-offs (YTD)
- $23K
- Average total assets
- $582.7M
- Average total loans
- $314.7M
- Average interest-bearing deposits
- $366.2M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- September 24, 1973
- FDIC Cert
- 21227
- Fed RSSD
- 218131
- Website
- www.cbbc.bank →
- Parent Holding Company
- TWIN CITIES FINANCIAL SERVICES, INC. (RSSD 1082478)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
CBBC Bank's total assets moved between a low of $475.8M (Q4 2023) and a high of $562.1M (Q2 2026) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$562.1M total assets against $514.0M; $497.0M total liabilities against $458.5M.
$316.4M net loans and leases against $265.2M; $478.8M total deposits against $442.5M.
$141.2M securities against $146.8M; $87.9M cash and balances due against $83.7M.
$6.8M total interest income against $6.2M; $1.7M total interest expense against $1.7M.
$5.1M net interest income against $4.6M.
$413K total noninterest income against $500K; $3.2M total noninterest expense against $3.0M.
$8K provision for credit losses against $5K.
$1.8M net income against $1.6M.
1.24% return on assets against 1.19%; 3.64% net interest margin against 3.52%.
21.06% CET1 capital ratio against 22.11%; 14.22% tier 1 leverage ratio against 14.14%.
Inside the full CBBC Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this 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.
CBBC Bank rankings
Its closest position to the top of a national ranking is 283 of 2,134, for CET1 ratio; its furthest is 3,255 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.93% (Q1 2025) to 1.32% (Q4 2024) and its net interest margin ran from 3.29% (Q3 2024) to 3.64% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 21.06% | 1.24% | 0.01% | 0.09% | 3.64% |
| Q1 2026 | 20.78% | 1.00% | 0.01% | 0.09% | 3.54% |
| Q4 2025 | 19.35% | 1.31% | 0.01% | 0.12% | 3.45% |
| Q3 2025 | 21.67% | 1.14% | 0.02% | 0.14% | 3.53% |
| Q2 2025 | 22.11% | 1.19% | 0.06% | 0.32% | 3.52% |
| Q1 2025 | 21.29% | 0.93% | 0.03% | 0.21% | 3.35% |
| Q4 2024 | 21.40% | 1.32% | 0.05% | 0.33% | 3.29% |
| Q3 2024 | 21.49% | 1.05% | 0.06% | 0.31% | 3.29% |
Swipe the table sideways to see every column.
Branch Network
View all 7 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| CBBC Bank (main office) | Maryville , TN | 37804 | $223.9M |
| Foothills Mall Branch | Maryville , TN | 37801 | $58.4M |
| Midland Branch | Alcoa , TN | 37701 | $56.6M |
| Townsend Branch | Townsend , TN | 37882 | $48.5M |
| 411 South Branch | Maryville , TN | 37801 | $35.8M |
| Topside Branch | Louisville , TN | 37777 | $35.7M |
| Heritage Branch | Maryville , TN | 37804 | $19.8M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in TN, rank 71 of 165 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $90K approved, $90K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2012 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about CBBC Bank
What are CBBC Bank's total assets?
As of the Q2 2026 filing, CBBC Bank reported total assets of $562.1 million in its FFIEC call report.
Where is CBBC Bank headquartered?
It is headquartered in Maryville, TN, United States.
When was CBBC Bank founded?
It was established in 1973, per the FDIC institution directory.
Is CBBC Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #21227). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates CBBC Bank?
CBBC Bank's primary federal regulator is the FDIC.
What is CBBC Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 21.06% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does CBBC Bank operate?
It operates 7 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is CBBC Bank's Texas Ratio?
Its Texas Ratio is 0.09% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was CBBC Bank previously called?
The charter now named CBBC Bank has also operated as Citizens Bank of Blount County (1976-2016), per FDIC structure-change records.
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