CCB Community Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks CCB Community Bank of Andalusia, AL against its peer group of 2757 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 2.62% | 1.25% | +1.37% | 95th top |
| ROAE | 27.91% | 13.17% | +14.74% | 97th top |
| Net Interest Margin | 4.69% | 3.95% | +0.74% | 85th top |
| Efficiency Ratio | 48.36% | 61.50% | -13.14% | 83rd top |
| PPNR / Avg Assets | 2.69% | — | — | 92nd top |
| Yield on Earning Assets | 6.12% | 5.67% | +0.45% | 73rd above |
| Cost of Funds | 1.56% | 1.87% | -0.31% | 65th above |
| Net Interest Spread | 3.87% | — | — | 78th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.64% | 0.93% | -0.29% | 39th below |
| NPA / Total Assets | 0.51% | — | — | 38th below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.01% | 0.15% | -0.14% | 38th below |
| ACL / Total Loans | 1.25% | — | — | 56th above |
| ACL / NPLs (Coverage) | 193.90% | — | — | 47th below |
| Texas Ratio | 1.58% | 6.06% | -4.48% | 62nd above |
| Provision / NCO | 1015.38% | — | — | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 10.53% | 11.75% | -1.22% | 42nd below |
| Equity / Assets | 9.64% | 10.98% | -1.34% | 38th below |
| TCE / Tangible Assets | 9.64% | — | — | 42nd below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 86.14% | 80.44% | +5.70% | 38th below |
| Core Deposit Ratio | 90.43% | 86.95% | +3.48% | 57th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -0.48% | — | — | 16th bottom |
| Loan Growth (Y/Y) | 2.27% | — | — | 31st below |
| Deposit Growth (Y/Y) | -1.15% | — | — | 17th bottom |
See CCB Community Bank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock CCB Community Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full CCB Community Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the CCB Community Bank peer analysis.