CCB Community Bank

What CCB Community Bank does

CCB Community Bank is an FDIC-insured, privately held community bank founded in July 1947 in Andalusia, Alabama, operating five branches across Covington County, AL and Okaloosa and Walton Counties in Northwest Florida. It serves individual consumers, small and medium businesses, agricultural operators, commercial real estate borrowers, and "community heroes" (military, educators, first responders, healthcare workers) through a relationship-led model combining physical branches with digital channels. Core products span personal checking (EZ, Relationship, Community Hero), savings and CDs (including CDARs and IRAs), personal loans (auto/RV, personal credit lines, overdraft protection), home loans (in-house, conventional, USDA Rural Housing, VA, FHA, jumbo), and a full suite of business loans covering commercial real estate, term loans, revolving lines of credit, and agricultural financing.

Technology is delivered primarily through a Fiserv-powered digital banking platform and the CCB Mobile app for iOS and Android, supporting mobile deposit, bill pay, e-statements, Zelle peer-to-peer payments, Apple/Google/Samsung Pay tokenization, debit card controls, and Credit Sense (SavvyMoney) integration. Business-side technology includes ACH Manager, Remote Deposit Capture, Business Mobile Deposit, and Merchant Services with QuickBooks/Quicken/Microsoft Money export. Wealth management and insurance products (life, long-term care, disability income; mutual funds, annuities, education savings, business retirement plans) are delivered through CCB Financial Services, a wholly-owned subsidiary that refers customers to LPL Financial advisors.

Revenue is generated primarily through net interest income on the loan portfolio (consumer, mortgage, commercial real estate, agricultural), net interest spread on deposits, fee income (account maintenance, overdraft, wire, ATM, analysis-based business checking fees), interchange from cards and merchant services, and referral fees from LPL Financial investment and insurance products. The go-to-market is sales-led and relationship-driven, relying on local credit decisions, branch presence in rural markets underserved by large national banks, and community sponsorships to drive deposits and loan originations.

Name

CCB Community Bank

Legal name

CCB Community Bank

Website

https://bankccb.com

Company type

Private

Founded year

1947

Operating status

Operating

Headcount range

101–250 employees

Short description

CCB Community Bank is a privately held, FDIC-insured community bank founded in 1947, operating five branches in southern Alabama and Northwest Florida. It serves consumers, small businesses, agricultural operators, and community heroes with full-service banking, lending, digital channels, and wealth management via subsidiary CCB Financial Services.

Ownership category

akta.pro rank

Headquarters

HQ city

Andalusia

HQ country

United States

HQ region

North America

Offices6 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Infrastructure, Marketing or Sales, Supply Chain, Others

Revenue model

1. Interest Income from Loans: Primary revenue stream from interest earned on various loan products including personal loans, home loans, business loans, commercial real estate loans, and agricultural loans. Interest rates vary by product type and creditworthiness.
2. Deposit Interest Expense Recovery: Revenue generated from the spread between interest earned on loans and investments versus interest paid to depositors on checking, savings, money market, and CD accounts.
3. Account and Transaction Fees: Fees charged for various banking services including monthly maintenance charges, overdraft fees, ATM fees, wire transfer fees, and check processing fees on business accounts.
4. Business Checking Analysis Services: Analysis-based business checking with earnings credit on balances used to offset service charges, plus per-item fees for checks, deposits, and ACH transactions.
5. Investment and Insurance Referrals: Revenue from referral arrangements with LPL Financial for investment products, insurance, and advisory services offered through CCB Financial Services subsidiary.
6. Credit Card Services: Transaction fees and interchange revenue from credit card processing services for both consumer and business credit cards.
7. Merchant Services: Payment processing services for business customers including credit and debit card processing with real-time authorization.

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels6 records

Core offering

CCB Community Bank is a privately held FDIC-insured community bank operating five branches across southern Alabama and the Florida panhandle, offering personal and business deposit accounts, consumer and commercial loan products, and digital banking services (mobile and online). The bank also delivers investment and insurance solutions through a wholly owned brokerage subsidiary, CCB Financial Services, in partnership with LPL Financial, and supports agricultural lending, merchant services, and cash management for small-to-midsize businesses.

Product overview

CCB Community Bank is a traditional community banking institution offering a comprehensive suite of financial products and services through both physical branch locations and digital channels. The core banking portfolio consists of Personal Checking (EZ Checking, Relationship Checking, Community Hero Checking), Personal Savings (Regular Savings, Community Hero Savings, Koala Club Super Savers, Money Market, CDs, CDARs, IRAs), and Loan products (Auto/RV, Personal Credit Line, Overdraft Protection, Home Loans including In-House, Conventional, USDA Rural Housing, VA, FHA, and Jumbo Loans, plus Business Loans for Commercial Real Estate, Term Loans, Lines of Credit, Agricultural, and Working Capital). The Digital Banking platform includes Online Banking, Online Bill Pay, Mobile Banking (CCB Mobile), Mobile Deposit, e-Statements, and Zelle peer-to-peer payments. Business Digital Services encompass Business Online Banking, Business Online Bill Pay, Business Mobile Banking, Business Mobile Deposit, Remote Deposit Capture, ACH Manager, and Merchant Services. Wealth Management is provided through CCB Financial Services subsidiary with access to LPL Financial advisors for Investments (IRAs, Education Savings, Mutual Funds, Business Retirement Plans, Annuities) and Insurance (Life, Long-Term Care, Disability Income). Card Services include Debit Cards and Credit Cards. Supporting resources include Financial Calculators, Product Demos, and Financial Insights education center.

Differentiator

Problem solved

Functional benefit

Products and services

• EZ Checking Basic personal checking account for individuals and families with essential banking features including online banking, mobile banking, mobile deposit, debit card, and Zelle access. Low-cost option that targets everyday consumer banking use.
• Relationship Checking Interest-bearing personal checking account that rewards customer relationships with interest on collected balances over $1,500, first box of checks free, and a fee waiver when maintaining $1,500 average monthly balance or $25,000 relationship balance.
• Community Hero Checking Special personal checking account honoring Military (active and retired), Educators, Firefighters, Law Enforcement, Healthcare Workers, Emergency Services Personnel, and Utilities/Power Company Workers, with interest on collected balances over $1,500, ATM fee reimbursement up to $20 monthly, and bounce-proof savings protection.
• Regular Savings Basic personal savings account with $200 minimum opening deposit, quarterly interest on collected balances, and nine free withdrawals per quarter. Targets individual savers building reserves.
• Community Hero Savings Personal savings account honoring community heroes including Military, Educators, Firefighters, Law Enforcement, Healthcare, and Emergency Services workers, with no minimum opening deposit.
• Koala Club Super Savers Youth savings account with educational focus, designed for children with rewards for deposits and good grades, including Koala Club T-shirt, deposit bag, and special gifts with deposits.
• Money Market Account Tiered-rate savings account with $2,500 minimum opening deposit and daily balance requirement, with interest accruing daily and credited monthly at competitive rates for higher balances.
• Certificate of Deposit (CD) Guaranteed-return investment with various term options from short to long-term, with interest that can be compounded or received by check and direct deposit to another CCB account available.
• CDARs (Certificate of Deposit Account Registry Service) Certificate of Deposit Account Registry Service enabling FDIC insurance coverage on multi-million-dollar deposits by distributing funds across CDARS Network member banks in increments below $250,000.
• Individual Retirement Account (IRA) Tax-advantaged retirement savings account federally insured by FDIC with Traditional and Roth IRA options for retirement planning.
• Auto & RV Loans Consumer financing for new or used autos, motorhomes, travel/camping trailers, motorcycles, boats, and ATVs/UTVs with flexible repayment terms and competitive rates.
• Personal Credit Line Revolving credit line providing quick access to funds with competitive rates, offered as an alternative to home equity lines of credit or credit card cash advances.
• Overdraft Protection Loan Pre-authorized loan providing automatic protection against returned check fees, with fixed 17.65% APR, $35 annual fee, 5-year term, and minimum monthly payment of 10% of outstanding balance.
• In-House Home Loans Traditional mortgage products including Fixed Rate Balloon loans with up to 30-year amortization, Home Refinance, New Home Construction, Home Equity loans, Home Equity Lines of Credit, and Open Land/Lot financing, originated and serviced in-house by CCB.
• Conventional Fixed Rate Loans Conforming mortgages meeting Freddie Mac or Fannie Mae guidelines with various term options for primary residence, second home, or investment properties, with a $806,500 loan limit and jumbo loan options available.
• Rural Housing Loans (USDA) USDA-insured loans featuring no down payment, fixed-rate terms, and simpler approval standards for owner-occupied properties in eligible rural areas, supporting CCB's rural customer base across Alabama and Florida.
• VA Loans Department of Veterans Affairs loans available to eligible current or former military members and surviving spouses, featuring no down payment with up to $806,500 in 100% financing and funding fee that can be rolled into the loan.
• FHA Loans Federal Housing Administration loans providing an alternative to conventional financing with lower down payment requirements, available as fixed-rate or adjustable-rate options for borrowers with limited available funds.
• Jumbo Loans Mortgages for higher-value properties exceeding conventional loan limits, available through direct consultation with CCB lenders for customized financing solutions.
• Commercial Real Estate Loans Financing for owner-occupied and investment/income-producing commercial properties with flexible terms, including detailed business plan review to maximize investment and cash flow for borrowers.
• Term Business Loans Short-term or long-term commercial loans with set repayment schedules and maturity dates, used for machinery, autos, inventory, construction, working capital, or business improvements.
• Revolving Lines of Credit Flexible borrowing access for business cash flow management, addressing sales fluctuations, bill and employee payments, cash shortages, and business improvements.
• Agricultural Loans Specialized agribusiness financing for beef, pork, poultry, dairy, crops, and ag-supply operations, including operating lines of credit, term loans, equipment loans, and customized solutions that account for the cyclical nature of agriculture.
• Working Capital Loans Short-term financing for day-to-day business expenses including operational costs, rent, payroll, and marketing, ensuring adequate working capital for ongoing obligations.
• Small Business Checking Checking account for small businesses with $100 minimum opening deposit, no monthly service charge, unlimited deposits, online/mobile banking with bill pay and deposit, instant issue debit card, and first 100 checks and deposits free monthly.
• Community Checking Basic non-interest checking for civic groups and clubs with $100 minimum opening deposit, no minimum balance, no per-check charge, and a maximum $3.00 monthly service charge based on average balance.
• Business Checking Analysis-based business checking for high-volume businesses with earnings credit on loanable balances to offset or eliminate monthly fees, structured around money market conditions and per-item charges for checks, deposits, ACH, wires, and account maintenance.
• Business Online Banking Comprehensive business cash management platform with real-time account balances, direct deposit, ACH origination, fund transfers, tax payments, bill pay, and real-time security alerts.
• Remote Deposit Capture Desktop scanner-based electronic deposit service for businesses to scan customer checks and deposit them electronically 24/7, streamlining cash flow and reducing check fraud risk.
• ACH Manager Online cash management tool for ACH transaction origination including direct deposit payroll, payment collections, commercial payments, same-day ACH, EFTPS tax payments, multi-factor security, and account downloads to QuickBooks, Quicken, and Microsoft Money.
• Merchant Services Credit and debit card payment processing solutions for businesses including real-time processing, approved/declined responses at time of sale, signature capture on enabled devices, and mobile processing capability.
• Debit Cards CCB debit/check cards for ATM access and point-of-sale purchases with 24/7 fraud monitoring and instant card control features including ON/OFF switching through mobile banking.
• Credit Cards CCB Visa and Mastercard credit cards with online account management through First Data portal for balance viewing, payments, transaction history, and statements, subject to credit approval.
• Traditional & Roth IRAs Individual retirement accounts with Traditional IRA (tax-deductible contributions, tax-deferred growth) and Roth IRA (after-tax contributions, tax-free qualified withdrawals) options, delivered through CCB Financial Services in partnership with LPL Financial.
• Education Savings Education savings plans including Coverdell ESA (with $2,000 annual contribution limit and income restrictions) and 529 Education Savings Plans (high contribution limits, no income restrictions, tax-free qualified withdrawals) for education expenses.
• Mutual Funds Pooled investment vehicles offering diversification across stocks, bonds, and money market instruments, made available through LPL Financial's agreements with hundreds of mutual fund companies and distributed by CCB Financial Services advisors.
• Business Retirement Plans Business retirement plan options including Traditional and Roth IRAs for self-employed, SEP IRAs with employer contributions, SIMPLE IRAs for businesses under 100 employees, and 401K/Profit Sharing plans.
• Annuities Tax-deferred retirement investment products including Fixed, Indexed, Variable, and Immediate annuities offered through LPL Financial with various growth and income options.
• Life Insurance Term life insurance (lower premiums for specific periods) and Whole life insurance (consistent premiums with cash value accumulation and lifetime benefits) offered through LPL Financial advisors.
• Long-Term Care Insurance Insurance helping pay for care at home or in assisted living or nursing home facilities, customizable to fit needs and budget with potential tax-free benefits, offered through LPL Financial.
• Disability Income Insurance Income protection insurance covering essential living expenses if the insured becomes disabled, with customizable policies and partial disability coverage options, offered through LPL Financial.
• CCB Financial Services Wholly owned brokerage subsidiary of CCB Community Bank providing access to LPL Financial advisors for investment planning, mutual funds, bonds, stocks, annuities, insurance products, and comprehensive financial strategy services.

Segments5 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

AI capability6 records

Feature4 records

Partnerships

Three partnerships are on record, tiered core.

• LPL FinancialcoreGTM or Marketing PartnerCCB Financial Services subsidiary has a partnership with LPL Financial, Member FINRA/SIPC, to provide investment products and services including mutual funds, bonds, stocks, annuities, and life insurance. CCB refers customers to LPL financial advisors and receives referral compensation. The bank's LPL-registered advisors hold series 7, 63, and 66 registrations.
• FiservcoreTechnology or IntegrationFiserv provides the technology platform powering CCB Mobile app and online banking services. Fiserv handles security, data collection, and transaction processing for internet and mobile banking. Service provider for digital banking infrastructure.
• Early Warning Services / ZellecoreTechnology or IntegrationPartnership to offer Zelle peer-to-peer payment service integrated into CCB's online and mobile banking bill pay. Enables customers to send money directly from their account to enrolled recipients.

Scale indicators3 records

Recent moves11 records

Expansion highlights5 records

Direct peers

• BankIndependent: Florence, Alabama-based community bank operating branches across northwest Alabama. Similar scale, product portfolio, and community banking approach with personal service, agricultural and small business lending focus paralleling CCB.
• CB&S Bank: Community bank with Alabama presence (Russellville and Decatur) providing full-service personal, business, and agricultural banking. Similar product set, community bank ethos, and comparable size to CCB Community Bank.
• First Metro Bank: Community bank headquartered in Muscle Shoals, AL with branch network across northern Alabama. Closely comparable in size, product mix (deposits, loans, digital banking), and relationship-based community banking model to CCB Community Bank.
• ServisFirst Bancshares: Alabama-headquartered community banking franchise with full-service deposit, lending, and treasury management offerings across the Southeast. Highly comparable business model focused on relationship banking, though meaningfully larger scale and broader geographic footprint than CCB.
• SmartFinancial: Tennessee-headquartered community bank that expanded across the Southeast with full-service banking including deposits, loans, and treasury management. Comparable community bank model and product breadth, with recent geographic expansion mirroring potential CCB growth patterns.

Broad incumbents

• Regions Financial: Large regional bank headquartered in Birmingham, AL with deep penetration across the Southeast including CCB's core markets. Competes with CCB for consumer and small business relationships but offers a far broader product suite and digital capabilities at scale.
• Cadence Bank: Southeast-focused commercial bank offering deposit, lending, wealth, and treasury services with significant presence in Alabama and Florida. Overlaps directly with CCB's commercial and consumer banking segments but operates at materially larger scale.
• Trustmark National Bank: Mississippi-based community-oriented bank with presence across the Southeast, including Florida panhandle markets adjacent to CCB. Similar community banking heritage and commercial lending focus but at meaningfully larger scale.
• SouthState Bank: Southeast regional bank formed through mergers of community banks, with strong Florida and Alabama presence. Competes with CCB in shared markets but offers broader product capabilities and digital infrastructure from larger scale.

Others

• Fiserv: Core technology provider powering CCB's digital banking platform, mobile app, and online banking infrastructure. Not a competitor, but a key ecosystem enabler whose product roadmap, pricing, and reliability directly shape CCB's digital customer experience.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/ccb-community-bank

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles14 records

Subsidiaries1 record

Funding overview

Funding rounds

Investors

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

M&A

Investments

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

Frequently asked questions about CCB Community Bank