Community Bankers' Bank

What Community Bankers' Bank does

Community Bankers' Bank (CBB) is a state-chartered Federal Reserve member bankers' bank founded in 1986 and headquartered in Midlothian, Virginia. It is cooperatively owned by community banks and operates exclusively as a correspondent service provider to independent community banks across the Fifth Federal Reserve District, covering Virginia, Maryland, the District of Columbia, West Virginia, North Carolina, South Carolina, Tennessee, and Georgia. CBB positions itself as a bank partner rather than a competitor, providing loan participations, credit services, investment services, cash management, and instant payments infrastructure to community banks that lack the scale to access these capabilities independently.

CBB's product surface is organized into three core lines (Correspondent Services, Credit Services, Investment Services) plus an Alliance Partnerships stack. Investment services are delivered through a partnership with First Bankers' Banc Securities (FBBS) for fixed-income trading and bond/CD brokerage. Cash management services include DDA sweep accounts, money market deposit accounts (minimum $100,000), and certificates of deposit. The company is a certified FedNow Service Provider through a partnership with Pidgin, enabling it to offer FedNow Settlement and Liquidity Agent services. Additional alliance partnerships cover core processing contract negotiation (ICI Consulting), cybersecurity (TechGuard Security), integrated business and marketing solutions (Source4), non-interest income technology (SyCom Technologies), and asset disposition (Motleys). Technology is conventional banking infrastructure: the proprietary CBLink client portal for account access, FedNow instant payment rails, and standard cash letter processing systems.

CBB generates revenue through net interest income from loan participations and investment securities, plus non-interest income from alliance partner revenue-sharing (notably FBBS brokerage fees), cash management fees, and other correspondent banking service charges. The holding company, CBB Financial Corp., reports quarterly earnings; FY 2025 net income was $249,000 with a Community Bank Leverage Ratio of 15.26%, well above the well-capitalized threshold. Distribution is handled through two regional manager territories, direct outreach, industry convention appearances, and a website-driven account opening process. Leadership is headed by President and CEO Gary R. Shook (appointed July 2020) and CFO/COO Jeffrey H. Culver.

Name

Community Bankers' Bank

Legal name

Community Bankers' Bank

Website

https://cbbonline.com

Company type

Private

Founded year

1986

Operating status

Operating

Headcount range

11–50 employees

Short description

Community Bankers' Bank is a cooperatively owned, state-chartered Fed member bankers' bank that provides correspondent, credit, investment, and instant payment services exclusively to independent community banks across the Fifth Federal Reserve District.

Ownership category

akta.pro rank

Product category

Correspondent Banking

NAICS

Commercial Banking (522110)

SIC

State Commercial Banks (6022)

akta.pro primary industry

Cooperative Banks (Member-Owned Commercial/Retail) (FSABAEAF)

akta.pro secondary industry

Federations/Centrals & Cooperative Banking Networks (2nd-Tier Co-ops) (FSABAEAL)

Keywords

• Correspondent banking services
• Community bank lending
• Loan participation networks
• Bankers' bank cooperative
• Investment portfolio management

Headquarters

HQ city

Midlothian

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Net Interest Income: Interest income from loan participations and investment securities, net of interest expense. The company maintains loan portfolios and manages funding costs to generate interest margin.
2. Non-Interest Income: Fee income from alliance partnerships, brokerage revenues from investment services, cash management fees, and other correspondent banking services. Alliance partnership income is derived from helping clients improve productivity and includes revenue-sharing from partners like FBBS Securities.
3. Securities Trading/Brokerage: Fixed income trading through partnership with First Bankers' Banc Securities (FBBS), generating brokerage revenues from bond and CD transactions for community banks

Go-to-market motion2 records

Distribution channels2 records

Marketing channels4 records

Core offering

Community Bankers' Bank is a state-chartered Fed Member bankers' bank cooperatively owned by community banks in the Fifth Federal Reserve District. It provides correspondent banking services including credit/lending support via loan participations, investment portfolio management, cash management, FedNow instant payment settlement services, and alliance partnerships enabling community banks to access products and capabilities typically reserved for larger institutions.

Product overview

Community Bankers' Bank (CBB) is a state-chartered Fed Member bankers' bank organized as a cooperative, owned by community banks in the Fifth Federal Reserve District. CBB operates as a bank partner, never a competitor, providing correspondent banking services, credit/lending services, and investment services. The core product suite centers on Correspondent Services (reducing costs for community banks), Credit Services (expanding lending capabilities via loan participations), and Investment Services (portfolio management through FBBS Securities partnership). Additional value is delivered through Alliance Partnerships encompassing best-in-class providers for electronic payments, credit cards, international currency, and specialized consulting services including core processing contract negotiation (via ICI Consulting), check printing contract consulting, and FedNow instant payment services (via Pidgin partnership). Supplementary offerings include Cash Management Services, Certificates of Deposit, and MMDA accounts for deposit management.

Differentiator

Problem solved

Functional benefit

Products and services

• Correspondent Services Core correspondent banking services that help community banks reduce costs and remain competitive through various operational support mechanisms including check processing, wire transfers, and back-office support.
• Credit Services Lending support and expansion services enabling community banks to help their customers with more borrowing capabilities through loan participation programs with a network of participant banks.
• Investment Services

Quantifiable outcome

• Community Bank Leverage Ratio maintained above 13% consistently, exceeding 'well capitalized' regulatory requirements
• +1 more outcomes

Named customers2 records

Segments1 record

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

Feature3 records

Partnerships

Seven partnerships are on record, tiered minor and core.

• Motleys Asset Disposition GroupminorStrategic or Co-development Partner · 31 January 2023Headquartered in Richmond, Virginia, Motleys offers sales, appraisal, and acquisition services for various assets including Real Estate, Industrial, Appraisals, Business & Estate Liquidations, and Motleys Auto Auction. CBB receives inquiries for recommendations on special asset disposition firms and refers clients to Motleys.
• PidgincoreTechnology or Integration · 1 January 2023Pidgin is a certified FedNow Service Provider through which CBB offers FedNow Settlement and Liquidity Agent services. The partnership enables CBB to assist community banks with FedNow implementation.
• First Bankers' Banc Securities (FBBS)coreStrategic or Co-development Partner · 12 January 2022FBBS, headquartered in St. Louis, MO, is a broker-dealer and bankers' bank owned brokerage focused on investment portfolio needs of community banks. The partnership provides fixed income trading services and investment advisory through Jim Lewis and the FBBS team, generating significant revenue through bond and CD transactions for CBB clients.
• ICI ConsultingcoreImplementation/ SI/ Consulting Partner · 17 March 2021Headquartered in St. Petersburg, FL, ICI Consulting provides core and ancillary systems contract negotiation services. ICI evaluates solutions and negotiates contracts with every major core processing vendor, providing guidance in identifying the best long-term core processing solution at fair market prices with favorable contract terms.
• Federal Reserve FedNow ServicecoreTechnology or Integration · 2 February 2021CBB participates in the FedNow pilot program as a certified FedNow Service Provider. The partnership enables CBB to offer FedNow Settlement and Liquidity Agent services, helping community banks implement instant payments.
• TechGuard SecurityminorStrategic or Co-development Partner · 10 March 2020St. Louis based TechGuard Security was added as a strategic alliance partner to provide cybersecurity services to community banks, addressing the primary weak points in banking security.
• Source4minorGTM or Marketing Partner · 6 February 2020North Carolina based Source4 collaborates with CBB to deliver integrated business and marketing solutions to community banks in the Fifth Federal Reserve District.

Scale indicators5 records

Recent moves8 records

Expansion highlights5 records

Direct peers

• Bankers' Bank of Kentucky: Kentucky-chartered bankers' bank providing correspondent services, credit, and investment products to community banks. Directly comparable as a regional cooperative-style bank serving another Federal Reserve district.
• Capital Resources & Risk: Specialty firm providing loan participation brokering and credit advisory services to community banks. Direct competitor to CBB's credit services and loan participation network across the Southeast.
• Pacific Coast Bankers' Bank: Washington-state-based bankers' bank offering correspondent, investment, and Fed-wire services exclusively to community banks. Same product mix and customer-base constraints as CBB, just in the Pacific Northwest.
• Bankers' Bank of Arkansas: Arkansas-based bankers' bank offering correspondent banking, loan participations, and investment services to community banks. Operates the same member-owned service model for a different Federal Reserve region.
• Bankers' Bank of the West: Colorado-based correspondent bankers' bank serving community banks in the Western U.S. with the same wholesale-banking-only model (loan participations, investment services, correspondent settlements) and similar cooperative-style client base as CBB.
• Promontory Interfinancial Network: Provides deposit-placement, CDARS, and intraFi-network cash management services to community banks nationwide. Competes directly with CBB's certificate of deposit and cash management offerings as a wholesale infrastructure provider.
• First National Bankers' Bank: Louisiana-chartered bankers' bank providing correspondent, investment, and cash management services exclusively to community banks across the Southeast. Closest geographic and functional peer to CBB in the Fifth Federal Reserve District footprint.
• The Baker Group: Oklahoma-based fixed income and investment advisory firm focused exclusively on community banks. Directly competes with CBB's FBBS Securities-delivered investment services in portfolio management and bond trading.

Regional players

• Bankers' Bank of Tennessee: Tennessee-chartered bankers' bank serving community banks within CBB's own footprint (eastern Tennessee is explicitly in CBB's territory), making it the most direct geographic overlap and a head-to-head competitor for the same customer base.

Broad incumbents

• Federal Home Loan Bank of Atlanta: Government-sponsored wholesale bank providing liquidity, correspondent, and funding services to community banks across the Southeast, including the Fifth Federal Reserve District. A larger incumbent offering partial overlap with CBB's correspondent and credit services.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks7 records

Key highlights7 records

Customer concentration

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

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles7 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 Community Bankers' Bank