Capital Community Bank

What Capital Community Bank does

Capital Community Bank (CCBank) is a privately held, Utah state-chartered community bank founded in 1993, headquartered in Pleasant Grove, Utah, and operating seven branch locations across Utah County and the Wasatch Front (Pleasant Grove, Orem, Provo, Salem, Sandy, St. George, with Spanish Fork coming soon). The bank operates a traditional community banking model offering personal banking (checking, savings, high-yield savings, CDs, personal and auto loans, HELOC) and business banking (business checking, money market, SBA Preferred Lender loans, C&I, construction, agriculture lending), supported by mobile and online banking applications and Zelle integration. It maintains wholly-owned subsidiaries Security Home Mortgage for home loan origination and Limelight Bank, alongside the planned Quill Bank fintech division positioning CCBank as a sponsor bank for fintech partners OppFi, Lendly, and NetCredit.

The bank's revenue model blends net interest income from lending and deposit activities with non-interest fee income from merchant services, ACH/wire transfers, remote deposit, and fintech sponsor-banking arrangements. Approximately 80% of the lending portfolio (as of late 2021) consists of traditional community loans, with the remainder tied to fintech-sponsored programs. More recently, the bank has begun purchasing and trading Section 45Z Clean Fuel Production Tax Credits, exemplified by a $52 million 2025 transaction with Gevo, Inc. alongside Stifel Financial Corp., opening a transactional fee stream tied to U.S. clean fuel policy. The bank employs 101-250 people, operates with local decision-making authority, and is undergoing a strategic rebrand — renaming to Accordia Bank while spinning out its fintech vertical as Quill Bank.

The bank's competitive position rests on its Utah-chartered regulatory status, SBA Preferred Lender designation, multi-decade community presence, and growing banking-as-a-service relationships with fintech lenders. Geographic operations are confined to Utah with no disclosed international footprint. The bank is privately held with no public ticker, no disclosed venture or private equity backing, and ownership held through its state-chartered shareholder structure. Customer concentration risk is moderate, with traditional retail and SMB banking diversified across thousands of households and businesses, while a smaller but growing share of fee income is tied to a limited number of fintech sponsor partners and episodic large tax-credit transactions.

Name

Capital Community Bank

Legal name

Capital Community Bank

Website

https://ccbankutah.com

Company type

Private

Founded year

1993

Operating status

Operating

Headcount range

101–250 employees

Short description

Capital Community Bank is a privately held Utah-chartered community bank founded in 1993 that provides personal and business banking, SBA and agricultural lending across seven Utah branches, and acts as sponsor bank for fintech partners OppFi, Lendly, and NetCredit.

Ownership category

akta.pro rank

Product category

Community Banking

NAICS

Commercial Banking (522110), Depository Credit Intermediation (5221)

SIC

State Commercial Banks (6022)

akta.pro primary industry

Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA)

akta.pro secondary industry

Middle-Market Lending (FSANADAI)

Keywords

• Community banking
• SBA lending
• Commercial lending
• Fintech sponsor bank
• Mortgage 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 generated from lending activities including personal loans (auto, mortgage, personal), business loans (agriculture, C&I, construction, SBA), and home equity lines of credit.
2. Deposit Products: Fee and interest income from deposit accounts including personal checking, business checking, CDs, high-yield savings, and money market accounts.
3. Fee-Based Services: Non-interest income from services including ACH transfers, wire transfers, merchant services, remote deposit capture, and mobile/online banking services.
4. Tax Credit Trading: Purchase and sale of Section 45Z Clean Fuel Production Tax Credits as a financial partner, generating non-interest income from credit transactions.
5. Security Home Mortgage (Subsidiary): Mortgage lending through subsidiary Security Home Mortgage, contributing to overall bank revenue via mortgage origination and servicing.

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels7 records

Core offering

Capital Community Bank is a Utah-chartered community bank offering personal and business deposit products (checking, savings, money market, CDs, high-yield savings) and a full range of lending products (personal, auto, HELOC, mortgage, SBA, C&I, agriculture, construction). It delivers these services through seven Utah branch locations and digital channels (mobile and online banking), and operates as a sponsor bank for fintech partners through its Quill Bank division while offering mortgages through its Security Home Mortgage subsidiary.

Product overview

Capital Community Bank (CCBank) operates a multi-channel community banking model centered on its core banking platform offering business and personal lending, deposit accounts, and digital banking services. The bank runs its primary community banking operations across seven Utah branch locations (Corporate Office in Pleasant Grove, Orem, Provo, Salem, Sandy, Spanish Fork, and St. George), while also maintaining two subsidiary companies — Security Home Mortgage (providing home mortgage lending) and Limelight Bank — and a fintech-focused sub-brand called Quill Bank (also referred to as a division). Quill Bank serves as CCBank's dedicated 'banking backbone' for fintech partners such as OppFi, Lendly, and NetCredit, providing sponsor bank services and regulatory/operational expertise to the fintech sector. The overall product portfolio spans commercial and agricultural lending (SBA Loans, C&I Loans, Construction Loans, Agriculture Loans), retail banking (Personal Loans, Auto Loans, HELOC, High-Yield Savings, CDs, Checking), digital banking (Mobile Banking, Online Banking), and mortgage services through its subsidiary Security Home Mortgage.

Differentiator

Problem solved

Functional benefit

Brands

• Quill Bank: Fintech banking division positioned as a dedicated 'banking backbone' for fintech partners, leveraging CCBank's regulatory, operational, and relationship-banking expertise.
• Security Home Mortgage
• Business Manager Connect
• Unflation

Products and services

• Business Banking Full-service business banking for SMBs including commercial lending, deposit accounts, and cash management tools.
• Personal Banking Retail banking services for individual consumers including personal loans, checking and savings deposits, and mobile/online banking.
• Agriculture Loans Specialized lending products tailored for agricultural operations and farms.
• Commercial & Industrial (C&I) Loans Commercial and industrial lending solutions for businesses.
• Construction Loans Construction and lot financing solutions for developers and builders.
• SBA Loans Small Business Administration loan products offered by an SBA Preferred Lender with national expertise.
• Business Manager Connect Business money market account that earns competitive interest on idle cash for business owners.
• Business Checking Business operating accounts and checking solutions for business operations.
• Personal Loans Unsecured personal loans offered through a streamlined online portal with competitive rates and flexible terms.
• Home Equity Line of Credit (HELOC) Home equity line of credit enabling customers to access the equity in their home for projects or financial goals.
• High-Yield Savings Savings account product with competitive interest rates designed to help balances grow.
• Certificates of Deposit (CDs) Certificate of deposit products with short and long-term options and competitive rates, including promotional CD rates.
• Mobile Banking Mobile banking application for business and personal customers enabling account access on mobile devices.
• Online Banking Digital banking platform providing account login and management for personal and business customers.
• Mortgage Loans Home mortgage lending offered through Security Home Mortgage, CCBank's mortgage subsidiary.
• Merchant Services Merchant payment processing services for business customers.
• Zelle Person-to-Person Payments Person-to-person payment service available to personal banking customers.
• Intrafi Network Deposit Sweep Deposit sweep network access enabling business customers to obtain multi-bank FDIC coverage on deposits.
• Quill Bank Fintech Sponsor Services Banking-as-a-service sponsor-bank infrastructure for fintech partners including OppFi, Lendly, and NetCredit, providing regulatory charter, compliance, and operational backbone for fintech lending programs.

Named customers2 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Five partnerships are on record, tiered core, flagship and minor.

• OppFicoreStrategic or Co-development PartnerOppFi is a fintech company for which Capital Community Bank serves as sponsor bank, providing regulatory and operational banking infrastructure for its lending programs.
• LendlycoreStrategic or Co-development PartnerLendly is a fintech company for which Capital Community Bank serves as sponsor bank, providing regulatory and operational banking infrastructure for its lending programs.
• NetCreditcoreStrategic or Co-development PartnerNetCredit is a fintech company for which Capital Community Bank serves as sponsor bank, providing regulatory and operational banking infrastructure for its lending programs.
• Security Home MortgageflagshipOEM/ Whitelabel/ Licensing PartnerSecurity Home Mortgage (SHM) is CCBank's wholly-owned mortgage subsidiary providing home loans and HELOC products. CCBank and SHM jointly donated $1.6 million to Utah's Children First Education Fund. SHM is marketed alongside CCBank's banking services at ccbank.com.
• Limelight BankminorOthersLimelight Bank is one of CCBank's subsidiary companies listed in the footer of the website alongside Security Home Mortgage, indicating additional financial services operations under the CCBank umbrella.

Scale indicators5 records

Recent moves10 records

Expansion highlights5 records

Direct peers

• WebBank: Utah-chartered industrial bank that operates as a sponsor bank for dozens of fintech lending and credit programs. Highly comparable to CCBank's Quill Bank division in serving as the regulated banking backbone for fintech originators.
• Customers Bank: Pennsylvania-chartered commercial bank with a sizable fintech and sponsor banking business (especially through its BankMobile division). Directly comparable on the sponsor bank model and commercial/community banking dual focus.
• Celtic Bank: Utah-based state-chartered industrial bank and one of the most active fintech sponsor banks in the U.S. Closely comparable to CCBank on the fintech sponsor banking business model, regulatory profile, and Utah domicile.
• Cross River Bank: New Jersey state-chartered commercial bank widely recognized as a leading sponsor bank for fintech and lending partners. Directly comparable to CCBank on the banking-as-a-service/sponsor bank model, though at significantly larger scale.

Emerging players

• Choice Financial Group: North Dakota-based community bank holding company with a community banking franchise and growing SBA lending practice. Comparable to CCBank on community bank scale, multi-state branch expansion model, and SBA lending focus.
• LendingClub Bank: Utah-based national online bank formed from the acquisition of Radius Bank. Comparable to CCBank's fintech sponsor banking positioning and Utah community bank footprint, with stronger consumer-direct digital banking capabilities.

Regional players

• TAB Bank: Utah-based community bank focused on transportation, factoring, and small business lending. Comparable to CCBank on Utah community bank positioning and SMB/asset-based lending orientation.
• Bank of Utah: Utah-based community bank with similar deposit, lending, and SBA lending franchises competing head-to-head in the same Utah markets. Closely comparable on product mix, geography, and customer segments.

Broad incumbents

• Zions Bancorporation: Large Utah-headquartered bank holding company (Zions Bank, Amegy, NBKC) operating across the western U.S. Represents the dominant incumbent competitor in CCBank's home market with overlapping commercial, SBA, and consumer banking franchises.
• Green Dot Bank: Utah-based bank holding company primarily known for prepaid debit cards and banking-as-a-service partnerships with fintechs. Comparable on fintech partnership orientation and Utah domicile, though at substantially larger scale.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/capitalcombank
• YouTubeyoutube.com/@ccbank2840
• Facebookfacebook.com/CCBankUtah
• LinkedInlinkedin.com/company/capital-community-bank
• Instagraminstagram.com/ccbankutah

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Subsidiaries2 records

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 Capital Community Bank