CCB Community Bank
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Data as of · sourced from FFIEC call reports. How we update
CCB Community Bank is an FDIC-insured commercial bank headquartered in Andalusia, AL, established in 1947 (FDIC certificate 16595), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $661.9M, down 0.5% from Q2 2025, the 26th largest of 93 banks headquartered in Alabama. It reports no CET1 ratio; its Tier 1 leverage ratio was 10.53% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 16595
- Headquarters
- Andalusia, AL
- Established
- 1947
- Total assets, Q2 2026
- $661.9M
- Assets vs Q2 2025
- -0.5%
- Tier 1 leverage ratio, Q2 2026
- 10.53%
- Domestic offices
- 5 FDIC institution directory, current count
- Routing number
- 062105778
- Holding company
- SOUTHERN NATIONAL CORPORATION
- Asset rank in state
- 26th of 93 in Alabama
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%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, CCB Community Bank is the 26th largest of the 93 banks headquartered in Alabama. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 0.7% to $661.9M, loans fell 0.8% and deposits fell 1.1%. 1-4 family residential loans made up 23.0% of its total loans on June 30, 2026, its largest category; next came non-owner-occupied commercial real estate loans at 21.3%. Its 5 offices in the FDIC Summary of Deposits are in 5 cities across 2 states; its Andalusia office books 60% of its branch deposits. By the capital ratios in its Q2 2026 call report, CCB Community Bank meets the community bank leverage ratio test for well capitalized.
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)
- Domestic offices
- 5 FDIC institution directory, current count
- 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
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. As a community bank leverage ratio filer, CCB Community Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
CCB Community Bank's total assets moved between a low of $627.5M (Q3 2023) and a high of $695.8M (Q3 2024) 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
$661.9M total assets against $665.1M; $598.1M total liabilities against $605.9M.
$504.0M net loans and leases against $492.5M; $592.5M total deposits against $599.4M.
$60.7M securities against $67.4M; $75.2M cash and balances due against $85.4M.
$9.9M total interest income against $9.9M; $2.3M total interest expense against $2.6M.
$7.6M net interest income against $7.3M.
$1.1M total noninterest income against $1.2M; $4.3M total noninterest expense against $4.4M.
$0 provision for credit losses against $183K.
$4.4M net income against $3.8M.
2.62% return on assets against 2.31%; 4.69% net interest margin against 4.54%.
10.53% tier 1 leverage ratio against 10.26%.
Inside the full CCB Community 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.
CCB Community Bank rankings
Its closest position to the top of a national ranking is 132 of 3,611, for ROA; its furthest is 2,437 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 2.00% (Q1 2025) to 2.62% (Q2 2026) and its net interest margin ran from 4.20% (Q3 2024) to 4.69% (Q2 2026).
| 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
View all 5 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 |
|---|---|---|---|
| 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
Facts as filed or published, not a rating.
- 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).
- Not on file
- Enforcement actions, 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 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.
Where is CCB Community Bank headquartered?
It is headquartered in Andalusia, AL, United States.
When was CCB Community Bank founded?
It was established in 1947, per the FDIC institution directory.
Is CCB Community Bank FDIC-insured?
Yes. It 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.
How many branches does CCB Community Bank operate?
It 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?
Its Texas Ratio is 1.58% 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 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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