What CBBC Bank does

CBBC Bank is a community bank founded in 1973 and headquartered in Maryville, Tennessee, serving individuals and small/medium-sized businesses in Blount County, Tennessee. Its product portfolio spans personal and business deposit accounts (checking, savings, money markets, CDs, IRAs), debit and credit cards, and lending products including mortgages, home equity, personal, auto, boat, and CD-secured consumer loans, as well as commercial and business lending. Distribution is regional and multi-channel, combining physical branches, ATMs, and Interactive Teller Machines (ITMs) with extended live-teller video support.

The bank's technology stack is built around BankOnLine, an online banking platform extended via native iOS and Android mobile applications that deliver 24/7 account access, bill pay, mobile remote check deposit, and Zelle-based person-to-person payments. Back-office integrations with ProfitStars (Jack Henry) handle loan payment processing and remote office deposit, while CardAccount.net provides the credit card servicing interface. The bank is FDIC-insured and references GLBA-aligned privacy and security practices. No public APIs, SDKs, or AI/ML capabilities are disclosed.

Revenue is generated primarily through net interest income from lending (consumer mortgages, personal/auto loans, commercial loans) and transaction/fee income from deposit accounts, credit cards, and ancillary services. Promotional CD pricing (11/15/21-month at 3.75% APY) is publicly listed, while loan and account fees are not. The bank employs 101-250 people, operates exclusively in Blount County, maintains a Shareholder Info page (and is referenced alongside CBB Bancorp in third-party news), and discloses no revenue figures, M&A activity, funding rounds, or leadership changes in the available data.

Name

CBBC Bank

Legal name

CBBC Bank

Website

https://cbbcbank.com

Company type

Private

Founded year

1973

Operating status

Operating

Headcount range

101–250 employees

Short description

CBBC Bank is a community bank founded in 1973 and headquartered in Maryville, Tennessee, providing personal and commercial deposit accounts, lending, and digital banking services to consumers and SMBs in Blount County, TN.

Ownership category

akta.pro rank

Product category

Community Banking

NAICS

Depository Credit Intermediation (5221), Commercial Banking (52211)

SIC

State Commercial Banks (6022)

akta.pro primary industry

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

akta.pro secondary industries

Branch & In-Person Banking (Teller/ATM Networks) (FSABAAAE), Credit Cards & Revolving Credit (FSABAAAC), Small Business Banking (Microbusiness/Sole Proprietor) (FSABAAAI)

Keywords

• Community banking services
• Personal banking products
• Business banking solutions
• Mortgage and consumer lending
• Deposit accounts and CDs

Headquarters

HQ city

Maryville

HQ country

United States

HQ region

North America

Offices1 record

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. Interest Income from Lending: Traditional banking revenue from interest earned on mortgage loans, personal loans, auto loans, business loans, and CD-secured loans provided to customers
2. Deposit Account Fees and Services: Fee income from checking accounts, savings accounts, money market accounts, and CD/IRA accounts
3. Credit Card Services: Revenue from credit card accounts and associated fees
4. Business Banking Services: Business checking, savings, CDs, and commercial lending services for business customers

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels5 records

Core offering

CBBC Bank is a community bank that accepts deposits and extends credit to retail consumers and small-to-mid-sized businesses in and around Blount County, Tennessee. Its product set spans personal and business checking and savings accounts, money market accounts, certificates of deposit, IRAs, personal, mortgage, business, and real estate loans, and Visa-branded credit, debit, ATM, and gift cards. Service delivery combines branches and Interactive Teller Machines with the BankOnLine consumer and BankOnLine Business digital banking platforms, mobile deposit, and Zelle person-to-person payments.

Product overview

CBBC Bank is a community bank offering a unified banking platform with integrated digital and branch-based services. The core product portfolio centers on BankOnLine (online and mobile banking platform) and BankOnLine Business, supplemented by a full range of deposit products (Checking, Savings & Money Markets, CDs & IRAs) and lending products (Mortgage Loans, Personal Loans, Business Lending). The bank also operates Interactive Teller Machines (ITMs) for extended hours service and offers credit cards and debit cards. All products are accessible through the BankOnLine digital platform with mobile apps for iOS and Android.

Differentiator

Problem solved

Functional benefit

Products and services

• Personal Checking Accounts Day-to-day transactional deposit accounts for individual consumers, offered in multiple variants (e.g., Regular Checking, NOW Checking) to suit different balance and usage profiles. Designed for local Tennessee retail customers managing personal finances.
• Personal Savings Accounts Interest-bearing savings accounts for individual consumers to hold funds separately from transactional checking, supporting short- and medium-term savings goals.
• Money Market Account Tiered, higher-yield deposit account for consumers that combines savings features with limited checking-style access, typically requiring higher minimum balances.
• Certificates of Deposit (CDs) Fixed-term, fixed-rate time deposits available to consumers, currently promoted at 3.75% APY across multiple maturities with stated minimum balance requirements, suitable for customers seeking locked-in yields on idle cash.
• Individual Retirement Accounts (IRAs) Tax-advantaged retirement savings accounts for individuals, offered alongside the bank's other consumer deposit products to support long-term retirement planning.
• Health Savings Accounts (HSAs) Tax-advantaged savings accounts used to pay or save for qualified medical expenses, available to individuals and small-business employers for employee benefits.
• Personal Loans Unsecured or secured installment loans for individual consumers, underwritten locally by CBBC Bank for personal borrowing needs.
• Real Estate / Mortgage Loans Residential and other real estate-secured loans for consumers, originated locally to finance home purchases and related real estate transactions.
• Visa Platinum Credit Card Revolving consumer credit card on the Visa network, issued to qualifying individual customers for personal purchases and credit needs.
• Visa Debit and ATM Cards Network-branded debit and ATM cards tied to customer deposit accounts, enabling point-of-sale purchases, ATM withdrawals, and account access.
• Visa Gift Cards Prepaid Visa gift cards usable for retail purchases, sold or distributed through CBBC Bank for consumer and small-business gifting needs.
• Business Checking Accounts Operating accounts designed for small and mid-sized local businesses to handle day-to-day transactions, deposits, and payments, available with online account opening.
• Business Savings Accounts Interest-bearing savings accounts for small and mid-sized businesses to hold reserve and short-term funds separately from operating balances.
• Business Loans Working-capital and general commercial loans extended by CBBC Bank to local small and mid-sized businesses, with local underwriting and decision-making.
• BankOnLine (Online & Mobile Banking) Online and mobile banking service for consumer customers, providing 24/7 account access, mobile deposit, Zelle person-to-person payments, and online account opening functionality.
• BankOnLine Business Dedicated digital cash management and online banking platform for small and mid-sized business customers, supporting ACH, wire transfers, and online business account opening.
• Interactive Teller Machines (ITMs) Self-service banking terminals that combine ATM cash and deposit functions with live video teller assistance, extending branch service hours beyond traditional teller windows.
• Wire Transfer Services Domestic wire transfer service available to consumer and business customers for sending and receiving funds through the bank's payment infrastructure.
• Overdraft Privilege Bank-provided overdraft coverage that allows eligible consumer checking accounts to clear transactions up to a set limit when funds are insufficient, subject to bank policy and applicable fees.

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration6 records

Feature4 records

Partnerships

Four partnerships are on record, tiered core and minor.

• ZellecoreTechnology or IntegrationIntegrated payment service allowing customers to send and receive money through the bank's digital channels
• ProfitStarscoreTechnology or IntegrationThird-party provider for loan payment portal, office deposit services, and ExpressBD banking solutions
• Cardaccount.netcoreChannel Partner/ Reseller/ DistributorThird-party credit card account management platform for CBBC Bank credit card holders
• Check Printing SolutionsminorChannel Partner/ Reseller/ DistributorThird-party provider for check reordering services for bank customers

Scale indicators1 record

Recent moves1 record

Expansion highlights4 records

Direct peers

• SmartBank: SmartBank is a Tennessee-based community bank offering personal and business banking, online/mobile platforms, and mortgage lending across the Southeast. Directly comparable to CBBC in scope (consumer + commercial deposits, lending), regional footprint, and digital service model.
• First Bank of Tennessee: First Bank of Tennessee is a community bank serving Middle Tennessee with personal and commercial banking services. Comparable community-bank model, deposit and loan product mix, and small-to-mid bank scale to CBBC Bank.
• Mountain Commerce Bank: Mountain Commerce Bank is a Tennessee community bank with branches across East Tennessee offering personal, business, and mortgage banking. Similar to CBBC in East Tennessee regional focus, product mix, and community-bank positioning.
• Citizens National Bank (Tennessee): Citizens National Bank operates as a community bank in East Tennessee offering consumer and commercial banking services. Directly comparable to CBBC in regional focus, product breadth, and small community-bank positioning.
• Tennessee State Bank: Tennessee State Bank is a community bank headquartered in Pigeon Forge serving East Tennessee with personal and business banking products. Comparable to CBBC in geographic focus, full-service community banking model, and small-business lending orientation.
• Athens Federal Community Bank: Athens Federal Community Bank is a small Tennessee community bank offering personal and business banking products with digital channels. Comparable to CBBC in small-scale community banking model, geographic Tennessee focus, and product scope.

Broad incumbents

• Regions Financial Corporation: Regions Bank is a large Southeast regional bank with personal and business banking, mortgages, and wealth services. Comparable product breadth but at regional-bank scale, with Tennessee branch presence that directly competes with community banks like CBBC for local deposits and small-business relationships.
• First Horizon Corporation: First Horizon is one of the largest Tennessee-based banks offering full-service consumer and commercial banking across the Southeast. Comparable product suite but vastly larger scale; competes with CBBC in overlapping Tennessee geographies for deposits, mortgages, and small-business banking.
• Pinnacle Financial Partners: Pinnacle Financial Partners is a major Tennessee-headquartered bank with broad personal and business banking across the Southeast. Comparable product mix but at much larger scale; serves as the dominant regional incumbent competing for the same Tennessee community-banking customers CBBC targets.

Others

• Andrews Federal Credit Union: Andrews Federal Credit Union is a member-owned depository institution offering consumer deposit, lending, and digital banking products. Comparable to CBBC in deposit-taking and consumer lending activities, but operates under a credit-union cooperative model rather than a commercial bank charter.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/cbbcbank
• LinkedInlinkedin.com/company/cbbc-bank
• Instagraminstagram.com/cbbcbank

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

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 CBBC Bank