CCB Community Bank


225 East Three Notch Street
Andalusia, AL 36420
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.15% 0.65% →
1-Year CD 0.40% 0.70% →
2-Year CD 0.30% 0.75% →
5-Year CD 0.40% 1.15% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2021 Overview

General Bank Information

CCB Community Bank is an FDIC insured institution located in Andalusia, AL. It was founded in 1947 and has approximately $0.56 billion in assets. Customers can open an account at one of its 4 branches.

FDIC Insured Yes
FDIC Certificate # 16595
Date Established 1947
Assets $ 559.90 million
Loans $ 415.96 million
Deposits $ 476.64 million
Capital $ 58.29 million

For a more detailed analysis of CCB Community Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - June 22, 2021

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates APY MIN MAX
0.15% $200 - Learn More
Money Market
0.25% $2,500 $9,999 Learn More
Money Market
0.30% $10,000 $49,999 Learn More
6 Mo CD
0.40% $500 - Learn More
12 Mo CD
0.40% $500 - Learn More
18 Mo CD
0.45% $500 - Learn More
24 Mo CD
0.30% $500 - Learn More
30 Mo CD
0.35% $500 - Learn More
36 Mo CD
0.40% $500 - Learn More
48 Mo CD
0.40% $500 - Learn More
60 Mo CD
0.40% $500 - Learn More


Loan Rates - June 22, 2021

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for CCB Community Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2021

Lender APR Rate (%) Monthly
Learn More
Keystone Funding
NMLS ID: 144760
License#: MC-5188
2.915% 2.874%
0.50 points
$1,332 fees
$1,038 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
2.240 %
$0 Learn More
More Info
Bethpage Federal Credit Union
Bethpage Federal Credit Union
See Table
Intro APR 2.990 %
After Intro: 3.750 %
Intro Period: 12 months
$25,000 Learn More
More Info
BMO Harris Bank
BMO Harris Bank
See Table
Intro APR 1.990 %
After Intro: 4.840 %
Intro Period: 12 months
$0 Learn More
More Info

Note to CCB Community Bank
To upload and update your bank's rates please register. It is free to register and add rates.


CCB Community Bank branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:

CCB Community Bank Locations

Financial Details

CCB Community Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of CCB Community Bank. The data is provided by the FDIC. All banks listed on are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
CCB Community Bank U.S. Bank Average
5.55% 5.49%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of December 31, 2020, CCB Community Bank had $1,861,000 in non-current loans and $1,674,000 in owned real estate. To cover these potential losses it had $58,291,000 in equity and $5,384,000 in loans loss reserves. That gives it a Texas Ratio of 5.55%.

Return on Equity
CCB Community Bank U.S. Bank Average
13.87% 9.24%

CCB Community Bank has a Return on Equity of 13.87% versus the BestCashCow average of 9.24%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

CCB Community Bank U.S. Bank Average
10.41% 11.96%

CCB Community Bank has a Capitalization of 10.41% versus the BestCashCow average of 11.96. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

CCB Community Bank Balance Sheet Analysis

As of December 31, 2020, CCB Community Bank had assets of $559,899,000, loans of $415,959,000, and deposits of $476,643,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

December 31, 2020
Cash & Balances due from depository institutions $ 88.66 million
Interest-bearing balances $ 61.49 million
Total securities $ 41.30 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 415.96 million
Loan loss allowance $ 5.38 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 1.67 million
Goodwill and other intangibles N.A.
All other assets $ 5.49 million
     Total Assets $ 501.61 million
Total deposits $ 476.64 million
      Interest-bearing deposits $ 325.70 million
      Deposits held in domestic offices $ 476.64 million
      % insured (estimated) 77.33%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds $ 22.50 million
Subordinated debt N.A.
All other liabilities $ 2.47 million
      Total Liabilities $ 501.61 million
      Shareholders’ Equity $ 58.29 million

Summary Income Statement

December 31, 2020
Total Interest Income $ 25.67 million
Total Interest Expense $ 3.72 million
Net interest income $ 21.95 million
Provision for loan and lease losses $ 2.05 million
Total non interest income $ 2.51 million
Total non interest expense $ 14.02 million
Pre-tax Net Operating Income $ 8.39 million

Bank Loan Profile?

The top three loan types in CCB Community Bank’s loan portfolio are Commercial Real Estate, 1-4 Family Residential Loans, and Small Business Loans.

Compared to other banks, CCB Community Bank’s loan portfolio does not show any specific loan specialty.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 19.37
Credit Card Loans 0.25
Consumer Auto Loans 0.51
Small Business Loans 13.01
Construction and Development Loans 8.94
Commercial Real Estate 27.97
Commercial and Industrial Loans 10.30
Farm Loans 3.13

Frequently Asked Questions About Ccb Community Bank

Branches and Savings

Is Ccb Community Bank FDIC insured?

Yes. It is covered under FDIC Certificate #16595.

Why does Ccb Community Bank pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Ccb Community Bank CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Ccb Community Bank a commercial bank?


Where are Ccb Community Bank locations?

See branch locations nearby.

Is Ccb Community Bank open on Saturdays?

Is Ccb Community Bank open on Sundays?

What time does Ccb Community Bank open?

What time does Ccb Community Bank close?

Are Ccb Community Bank ATMs Open 24/7?

Do Ccb Community Bank ATMs accept cash deposits?

Can Ccb Community Bank customers use other ATMs?

Do Ccb Community Bank branches have notaries?

Will Ccb Community Bank notarize my document?

What address for Ccb Community Bank should I put for incoming ACH transfers?

Will the Ccb Community Bank branch print checks?

Do Ccb Community Bank checks expire?

Does Ccb Community Bank require US citizenship to open account?

Can Ccb Community Bank close my account?

Does Ccb Community Bank Report to credit bureaus?

Does Ccb Community Bank Use Equifax?

What is Ccb Community Bank's ACH Routing Number?

What is Ccb Community Bank's SWIFT code?


Does Ccb Community Bank offer mortgages?

Compare mortgage rates here.

Does Ccb Community Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Ccb Community Bank offer personal loans?

Compare personal loan rates here.

Does Ccb Community Bank offer student loans?

Will Ccb Community Bank cash a check?

Will Ccb Community Bank redeem a savings bond?

Does Ccb Community Bank cash savings bonds?

Will Ccb Community Bank cash money orders?

Can Ccb Community Bank issue a money order?

Does Ccb Community Bank do currency exchange?

Background on The Bank

Who owns Ccb Community Bank?

How long has Ccb Community Bank been around?

Can Ccb Community Bank transfer to other banks?

Does Ccb Community Bank have quick pay?

Does Ccb Community Bank accept rolled coins?

Will Ccb Community Bank accept loose change?

Where is Ccb Community Bank headquarters?

Customer Reviews for CCB Community Bank

There are currently no comments for CCB Community Bank. Be the first to share your experience. Please provide comments that will help others.

Add Your Review

Rate it here →