CCB Community Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans dropped 24.95 percentage points in Q2 2026, from 218.85% to 193.90%. It was the largest change from Q1 2026 among the key lines here. Among 93 Alabama banks, CCB Community Bank sits 2nd from the top on return on assets, 2.62% as of Q2 2026. Against a median of 1.26% for banks in the $100M-1B asset tier, CCB Community Bank reported 2.62% on return on assets in Q2 2026, 1.36 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 10.53% |
| Equity capital to assets | 9.64% |
| Tangible equity to tangible assets | 9.64% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.64% |
| Non-performing assets ratio | 0.51% |
| Net charge-off ratio | 0.01% |
| Texas ratio | 1.58% |
| Allowance for credit losses to loans | 1.25% |
| Reserve coverage of non-performing loans | 193.90% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.62% |
| Return on equity | 27.91% |
| Net interest margin | 4.69% |
| Efficiency ratio | 48.36% |
| Yield on earning assets | 6.12% |
| Cost of funds | 1.56% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 86.14% |
| Core deposits to total deposits | 90.43% |
| Brokered deposits to total deposits | 0.17% |
| Deposits to assets | 89.50% |
| Securities to assets | 9.17% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 10.18% | 1.89% | 4.36% | 0.93% | 0.04% |
| Q4 2023 | 10.03% | 1.89% | 4.34% | 0.87% | 0.03% |
| Q1 2024 | 10.06% | 1.83% | 4.22% | 0.82% | -0.07% |
| Q2 2024 | 9.76% | 1.80% | 4.10% | 0.88% | 0.16% |
| Q3 2024 | 9.80% | 2.08% | 4.20% | 0.80% | 0.18% |
| Q4 2024 | 9.75% | 2.13% | 4.33% | 0.79% | 0.14% |
| Q1 2025 | 9.91% | 2.00% | 4.27% | 0.73% | 0.09% |
| Q2 2025 | 10.26% | 2.31% | 4.54% | 0.52% | 0.01% |
| Q3 2025 | 10.42% | 2.34% | 4.58% | 0.54% | 0.07% |
| Q4 2025 | 10.18% | 2.42% | 4.66% | 0.75% | 0.24% |
| Q1 2026 | 10.25% | 2.00% | 4.53% | 0.57% | 0.00% |
| Q2 2026 | 10.53% | 2.62% | 4.69% | 0.64% | 0.01% |
CCB Community Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock CCB Community Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full CCB Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16595) · FFIEC NIC profile (RSSD 655839)