CCBank

What CCBank does

CCBank (legal name Capital Community Bank) is a privately held Utah-chartered community bank headquartered in Pleasant Grove, Utah, founded in 1993. The bank operates seven full-service branches across the Wasatch Front from St. George to Salem and serves Utah consumers, small and medium businesses, agricultural borrowers, and—via its Quill Bank sub-brand launching June 2026—fintech companies. Core products span deposit accounts (checking, high-yield savings at 3.90% APY, money market, CDs up to 4.10% APY), consumer lending (auto, personal, HELOC), commercial lending (SBA, C&I, construction, agriculture), merchant services via Select Bankcard, and mortgage origination through wholly-owned subsidiary Security Home Mortgage (acquired May 2024). Technology is built on a standard digital banking stack including iOS/Android mobile apps, online account opening for personal accounts, Zelle peer-to-peer payments, ACH origination, wire transfers, remote deposit capture, Positive Pay, and IntraFi ICS/CDARS for multi-million-dollar FDIC coverage.

The bank earns revenue primarily through net interest income from loans across consumer, commercial, agricultural, SBA, and construction categories, supplemented by non-interest income from deposit fees, merchant services, wire/ACH fees, and mortgage origination. CCBank is an SBA Preferred Lender with delegated authority and was named SBA Small Bank Lender of the Year in 2017 and 2018. The institution was ranked #19 nationally among 638 banks with $1B-$5B in assets in the Stifel Performance Management Group Q2 2025 report, placing it in the top 3% of its peer group. CCBank has no disclosed parent company, no institutional or venture capital backing, and ownership remains with local shareholders. The leadership team includes CEO Mike Watson, President Matt Field, and C-suite officers covering operations, business development, credit, finance, compliance, and general counsel.

Name

CCBank

Legal name

Capital Community Bank

Website

https://ccbank.com

Company type

Private

Founded year

1993

Operating status

Operating

Headcount range

11–50 employees

Short description

CCBank is a privately held Utah community bank operating seven branches across the Wasatch Front, offering personal and business deposit accounts, SBA, commercial, agricultural, and consumer loans, mortgage origination via subsidiary Security Home Mortgage, and fintech banking services through its Quill Bank brand.

Ownership category

akta.pro rank

Product category

Community Banking

NAICS

Commercial Banking (522110)

SIC

State Commercial Banks (6022)

akta.pro primary industry

Balance-Sheet / Portfolio CRE Lending (FSALADAG)

Keywords

• Community banking
• Commercial lending
• SBA loans
• Personal banking
• Agricultural lending

Headquarters

HQ city

Provo

HQ country

United States

HQ region

North America

Offices7 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales

Revenue model

1. Net Interest Income: Interest income from loans minus interest paid on deposits, including agricultural loans, commercial & industrial loans, construction loans, SBA loans, personal loans, and auto loans
2. Non-Interest Income: Fees from deposit accounts, merchant services, wire transfers, ACH origination, and other banking services
3. SBA Lending: SBA 7(a) and 504 loan programs for small business financing
4. Mortgage Origination (Security Home Mortgage): Mortgage lending through subsidiary Security Home Mortgage, acquired in May 2024, with over 70 mortgage lending experts

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels5 records

Core offering

CCBank is a Utah-based community bank that provides personal and business deposit accounts (checking, savings, money market, CDs), a full suite of lending products (auto, personal, HELOC, SBA, commercial & industrial, construction, agricultural), cash management and merchant services, and digital banking through online and mobile platforms. The bank serves Utah consumers and businesses through seven branch locations and also offers mortgage lending via its Security Home Mortgage subsidiary and fintech banking services via the Quill Bank brand.

Product overview

CCBank is a community-focused financial institution offering a comprehensive suite of banking products and services. The bank's core offerings include personal and business checking, savings, money market accounts, and Certificates of Deposit, along with lending products such as auto loans, personal loans, HELOCs, SBA loans, commercial & industrial loans, construction/lot loans, and agriculture loans. Digital banking is provided through online and mobile platforms with apps for both business and personal banking. CCBank operates several specialized programs including Business Manager Connect (money market sweep), Merchant Services (payment processing), and Give-Back Checking for non-profits. The bank expanded in 2025 with an Agriculture Lending Group and in 2026 with Quill Bank, a dedicated fintech banking brand. Security Home Mortgage operates as a subsidiary acquired in 2024, offering mortgage services through 5 branches. Additional services include cash management, Zelle, ACH, wire transfers, Positive Pay, remote deposit capture, and financial calculators.

Differentiator

Problem solved

Functional benefit

Products and services

• Personal Checking Personal deposit account with features including free debit card, mobile check deposit, Zelle, external transfers, and bill pay. No monthly maintenance fees with $25 minimum opening deposit. Designed for Utah residents seeking transparent personal banking.
• Business Checking Range of business checking options including Business Manager Checking, Give-Back Checking for non-profits, Business Savings, and Business Money Market accounts. Features include digital banking, cash management services, mobile banking, and multi-user setup for local Utah businesses.
• High-Yield Savings Savings account earning 3.90% APY on all balances with $100 minimum initial deposit. Offers easy account opening and access to funds with no long-term commitment.
• Money Market Accounts Interest-bearing accounts with check-writing flexibility. Competitive interest rates with tiered APY ranging from 1.00% to 3.90% based on balance. FDIC insured up to $250,000.
• Certificates of Deposit (CDs) Time deposits with terms ranging from 6 months to 5 years. CD rates from 3.30% to 4.10% APY with $1,000 minimum opening deposit. Available nationwide for both online and in-branch opening.
• Auto Loans Vehicle financing with competitive fixed interest rates, flexible terms, and fast local approvals. Available for both new and used vehicles for Utah consumers.
• Personal Loans Fixed-rate loans for specific purposes with predictable monthly payments. Suitable for debt consolidation, large purchases, or personal goals.
• Home Equity Line of Credit (HELOC) Revolving credit line using home equity. Tap into home equity for projects or financial goals with flexible access to funds. Offered through Security Home Mortgage subsidiary.
• SBA Loans Government-guaranteed small business financing including 7(a) and 504 loans. CCBank is an SBA Preferred Lender with delegated authority to process, close, and liquidate SBA-guaranteed loans. Offers lower rates and flexible repayment options.
• Commercial & Industrial (C&I) Loans Term loans and lines of credit for working capital, equipment purchases, and business expansion. Features customized loan terms, quick local approval, and personalized service.
• Construction & Lot Loans Financing for new construction, renovations, land acquisition, and development projects. Flexible lending terms up to 90% LTC/80% LTV for loans under $600,000.
• Agriculture Loans Specialized financing for farmers, ranchers, and ag-based businesses. Includes Ag Operating Loans, FSA Guaranteed Loans, Farm & Ranch Expansion, and Ag Equipment Loans. Team located in Spanish Fork, Utah.
• Merchant Services Payment processing solutions with tailored pricing and seamless technology. Includes card processing, ACH, gift cards, QuickBooks integration, Apple Pay support, NFC/EMV terminals. Partnered with Select Bankcard.
• Business Manager Connect Money market sweep account earning 3.90% APY on balances through $250,000 and 3.20% APY above $250,000. Automatically sweeps excess funds from business checking to earn competitive interest while maintaining access.
• Online & Mobile Banking Digital banking platform providing 24/7 account access, user controls, robust security, and mobile apps for both business and personal banking (iOS and Android).
• Cash Management Services Treasury management including ACH origination, wire transfers, remote deposit capture, and Positive Pay fraud protection. Includes ACH/check Positive Pay for fraud prevention.
• Security Home Mortgage (SHM) Mortgage lending subsidiary with 5 branches and over 20 loan officers acquired by CCBank in May 2024. Offers various mortgage products with local expertise and personalized service to Utahns.
• Quill Bank Digital banking brand launched June 2026 specifically designed to serve fintech companies. Provides regulatory, operational, and relationship-banking expertise. Positioned as 'Your fintech, our banking backbone' offering technology-forward companies access to CCBank's banking infrastructure.
• Give-Back Checking Interest-bearing business checking account for non-profits with tiered APY (1.00% to 1.50%) based on balance. Includes Mastercard debit card.

Quantifiable outcome

• Ranked #19 nationally among 638 peer banks in Stifel Performance Management Report Q2 2025
• +2 more outcomes

Named customers3 records

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration8 records

Feature2 records

Partnerships

Seven partnerships are on record, tiered core, supporting and minor.

• Security Home MortgagecoreOthers · 1 May 2024Security Home Mortgage is a mortgage company with 5 branches and over 20 loan officers. CCBank acquired Security Home Mortgage in May 2024 as a subsidiary. SHM has over 25 years of experience helping Utahns buy homes and employs over 70 mortgage lending experts.
• IntraFi NetworksupportingTechnology or IntegrationThrough ICS and CDARS, customers can access multi-million-dollar FDIC protection by working directly with CCBank. Allows deposits to be placed across multiple institutions for enhanced insurance coverage.
• Select BankcardsupportingChannel Partner/ Reseller/ DistributorSelect Bankcard provides payment processing technology and services for CCBank's merchant services offerings. Provides tailored pricing, seamless payment technology, and dedicated local support for merchants accepting card payments.
• Limelight BankminorOthersSubsidiary company linked on CCBank's website footer as one of their subsidiary companies alongside Security Home Mortgage.
• MoneyPass NetworksupportingTechnology or IntegrationATM network partnership providing surcharge-free transactions at thousands of ATMs across the country through MoneyPass Network.
• Carson Smith Opportunity Scholarship / Utah Children's First Education FundsupportingStrategic or Co-development PartnerCCBank and Security Home Mortgage have contributed over $4 million to Utah's Children First Education Fund (CFEF), which works with the Carson Smith Opportunity Scholarship to provide scholarships for students with disabilities.
• Pecan Valley ResortminorStrategic or Co-development PartnerCommunity partner for Second Annual Great Thanksgiving Turkey Giveaway and canned food drive event to support local families in need.

Scale indicators7 records

Recent moves9 records

Expansion highlights5 records

Direct peers

• Banner Corporation: Pacific Northwest community bank holding company of comparable asset size with strong SBA and commercial lending expertise. Similar revenue model centered on net interest income with diversified fee income streams.
• Glacier Bancorp: Multi-state community bank holding company of similar asset scale with a comparable diversified model spanning SBA, mortgage, commercial, and consumer lending. Operates a community-bank subsidiary structure analogous to CCBank's branch model.
• Heartland Financial USA: Community-focused bank holding company operating multiple chartered bank subsidiaries across the Midwest and West. Similar decentralized community banking model with diversified lending including CRE, ag, and SBA exposure.
• Choice Financial Group: Community bank holding company operating in similar asset range with comparable SBA and agricultural lending exposure. Comparable SMB and ag-focused commercial banking franchise.
• Pacific Premier Bancorp: Community-focused commercial bank of comparable size with emphasis on SBA, CRE, and small business lending. Similar fee-income diversification strategy and deposit-gathering focus.
• Bank of Utah: Utah-headquartered community bank offering similar deposit, consumer, and commercial lending products in overlapping Utah geography. Direct competitor for SMB and consumer relationships across the Wasatch Front.
• First Interstate BancSystem: Community bank holding company of similar asset size operating across the Mountain West and Western U.S. with comparable deposit, commercial, and consumer lending products. Closely aligned geographic and business mix overlap with CCBank.

Broad incumbents

• Customers Bancorp: Commercial bank with a fintech banking-as-a-service division (BankMobile) that competes directly with Quill Bank's target market. Broader commercial and industrial lending footprint provides comparison for community-to-fintech expansion strategy.
• Zions Bancorporation: Utah-headquartered regional bank holding company operating much larger franchise across the Western U.S. Competes head-to-head in Utah SMB and consumer markets with broader product suite and wealth management capabilities.

Emerging players

• Pathward Financial: Fintech-focused bank holding company providing banking-as-a-service to fintech and digital asset clients. Directly competitive with Quill Bank's BaaS positioning; offers a benchmark for sponsor-bank economics and platform scalability.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xtwitter.com/capitalcombank
• YouTubeyoutube.com/@ccbank2840
• Facebookfacebook.com/CCBankUtah
• LinkedInlinkedin.com/company/quill-bank
• Instagraminstagram.com/ccbankutah

Revenue estimate

Valuation estimate

Number of profiles

Profiles8 records

Subsidiaries2 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A1 record

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about CCBank