Community Capital Bank


2236 Mount Zion Road
Jonesboro, GA 30236
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 0.95% →
1-Year CD N.A. 1.01% →
2-Year CD N.A. 0.95% →
5-Year CD N.A. 1.30% →
30-Year Mortgage N.A. 2.80% →
15-Year Mortgage N.A. 2.37% →
HELOC N.A. 2.79% →

2020 Overview

General Bank Information

Community Capital Bank is an FDIC insured institution located in Jonesboro, GA. It was founded in 2002 and has approximately $0.17 billion in assets.

Closed by FDIC on October 21, 2011 and assets transferred to State Bank and Trust Company.

FDIC Insured Yes
FDIC Certificate # 57036
Date Established 2002
Assets $ 165.29 million
Loans $ 123.45 million
Deposits $ 157.81 million
Capital $ 1.89 million

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

Deposit Rates - October 24, 2020

Your Current Location: Virginia, VA 20146

Loan Rates - October 24, 2020

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Community Capital 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 2020

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First Internet Bank
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2.664% 2.625% 0.50 $1,290 $1,005 Learn More
Rocket Mortgage
NMLS ID: 3030
3.746% 3.625% 1.00 $3,750 $1,141 Learn More
NMLS ID: 2890
License#: MC-3098
2.575% 2.500% 1.00 $2,470 $988 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loans
Third Federal Savings and Loans
See Table
2.240 %
$0 Learn More
More Info

Note to Community Capital Bank
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Financial Details

Community Capital Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Community Capital 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
Community Capital Bank U.S. Bank Average
750.46% 6.94%

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 March 31, 2020, Community Capital Bank had $19,689,000 in non-current loans and $12,138,000 in owned real estate. To cover these potential losses it had $1,891,000 in equity and $2,350,000 in loans loss reserves. That gives it a Texas Ratio of 750.46%.

Return on Equity
Community Capital Bank U.S. Bank Average
-93.38% 7.80%

Community Capital Bank has a Return on Equity of -93.38% versus the BestCashCow average of 7.80%. 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.

Community Capital Bank U.S. Bank Average
1.14% 12.68%

Community Capital Bank has a Capitalization of 1.14% versus the BestCashCow average of 12.68. 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.

Community Capital Bank Balance Sheet Analysis

As of September 30, 2011, Community Capital Bank had assets of $165,291,000, loans of $123,451,000, and deposits of $157,808,000. 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

March 31, 2020
Cash & Balances due from depository institutions N.A.
Interest-bearing balances N.A.
Total securities N.A.
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 123.45 million
Loan loss allowance $ 2.35 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 12.14 million
Goodwill and other intangibles N.A.
All other assets N.A.
     Total Assets N.A.
Total deposits $ 157.81 million
      Interest-bearing deposits N.A.
      Deposits held in domestic offices N.A.
      % insured (estimated) 0.00%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities N.A.
      Total Liabilities N.A.
      Shareholders’ Equity $ 165.29 million

Summary Income Statement

March 31, 2020
Total Interest Income N.A.
Total Interest Expense N.A.
Net interest income N.A.
Provision for loan and lease losses N.A.
Total non interest income N.A.
Total non interest expense N.A.
Pre-tax Net Operating Income N.A.

Bank Loan Profile?

The top three loan types in Community Capital Bank’s loan portfolio are 1-4 Family Residential Loans, Multifamily Mortgages, and Credit Card Loans.

Compared to other banks, Community Capital 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 0.00
Credit Card Loans 0.00
Consumer Auto Loans 0.00
Small Business Loans 0.00
Construction and Development Loans 0.00
Commercial Real Estate 0.00
Commercial and Industrial Loans 0.00
Farm Loans 0.00

Frequently Asked Questions About Community Capital Bank

Branches and Savings

Is Community Capital Bank FDIC insured?

Yes. It is covered under FDIC Certificate #57036.

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

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

Why are Community Capital Bank CD rates not competitive?

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

Is Community Capital Bank a commercial bank?


Where are Community Capital Bank locations?

See branch locations nearby.

Is Community Capital Bank open on Saturdays?

Is Community Capital Bank open on Sundays?

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Are Community Capital Bank ATMs Open 24/7?

Do Community Capital Bank ATMs accept cash deposits?

Can Community Capital Bank customers use other ATMs?

Do Community Capital Bank branches have notaries?

Will Community Capital Bank notarize my document?

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

Will the Community Capital Bank branch print checks?

Do Community Capital Bank checks expire?

Does Community Capital Bank require US citizenship to open account?

Can Community Capital Bank close my account?

Does Community Capital Bank Report to credit bureaus?

Does Community Capital Bank Use Equifax?

What is Community Capital Bank's ACH Routing Number?

What is Community Capital Bank's SWIFT code?


Does Community Capital Bank offer mortgages?

Compare mortgage rates here.

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

Compare home equity lines of credit rates here.

Does Community Capital Bank offer personal loans?

Compare personal loan rates here.

Does Community Capital Bank offer student loans?

Will Community Capital Bank cash a check?

Will Community Capital Bank redeem a savings bond?

Does Community Capital Bank cash savings bonds?

Will Community Capital Bank cash money orders?

Can Community Capital Bank issue a money order?

Does Community Capital Bank do currency exchange?

Background on The Bank

Who owns Community Capital Bank?

How long has Community Capital Bank been around?

Can Community Capital Bank transfer to other banks?

Does Community Capital Bank have quick pay?

Does Community Capital Bank accept rolled coins?

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