Commercial Banking Company

What Commercial Banking Company does

Commercial Banking Company, operating as CBC Bank and branded South Georgia Community Bank, is a privately held, state-chartered community bank founded in 1929 in Hahira, Georgia. It operates through a five-branch network spanning Lowndes County (Valdosta main office and Baytree Road, Hahira), Colquitt County (Moultrie), and Tift County (Tifton), and extended into Brooks County via the March 2022 acquisition of The Citizens National Bank of Quitman. The bank offers a full community-bank product set organized across personal banking (checking, savings, mortgages, consumer loans, credit cards via Elan Financial Services), business banking (checking, savings, SBA loans, lines of credit, agriculture and commercial real estate loans, business credit cards), and wealth management delivered through The Investment Centre in partnership with Osaic Institutions (formerly Infinex).

The underlying technology platform centers on the upgraded CBC Anywhere core banking system (2026 refresh), accessible via iOS/Android mobile apps, online banking, Zelle, Apple Pay, Google Pay, Card Valet controls, and QuickBooks/Quicken connectivity, with e-signature-enabled in-branch account opening. Customer-facing digital channels are supplemented by conventional community-bank outreach: a content marketing blog, the CBC Connect podcast, social media, and an active Charity of the Month and school debit card program.

The revenue model is a traditional spread-based community bank franchise: net interest income from loans (mortgage, construction-to-permanent, commercial, agriculture, consumer) against deposits (tiered checking, savings, money market, CDs), augmented by account and transaction fees (e.g., Choice Checking $3.95/mo, Commercial Checking $25/mo, Premier Checking $75/mo, MSB Checking $150/mo), wire/ACH/excess-check charges, non-interest income from credit card interchange (Elan) and wealth-management referral economics (Osaic). Customer acquisition is relationship-led and community-led, with local decision authority and SBA Preferred Lender status differentiating CBC from larger impersonal competitors.

Name

Commercial Banking Company

Legal name

Commercial Banking Company

Website

https://cbcbank.com

Company type

Private

Founded year

1929

Operating status

Operating

Headcount range

11–50 employees

Short description

Commercial Banking Company (CBC Bank) is a privately held South Georgia community bank operating five-plus branches across Valdosta, Hahira, Moultrie, and Tifton, offering personal and business deposit, lending, and wealth-management services to households, small businesses, and agricultural borrowers throughout the region.

Ownership category

akta.pro rank

Product category

Community Banking

NAICS

Commercial Banking (522110), Commercial Banking (52211), Depository Credit Intermediation (5221)

SIC

State Commercial Banks (6022)

akta.pro primary industry

General SME & Middle-Market Commercial Banking (FSABABAA)

akta.pro secondary industries

SME Business Lending (Term Loans, Lines of Credit, Overdrafts) (FSABABAB), SME Deposits & Business Accounts (Operating, Savings, CDs) (FSABABAC), Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA), SBA/Government-Backed & Development Finance Loans (FSAKAGAI)

Keywords

• Community banking services
• Personal and business checking
• Mortgage and consumer lending
• SBA commercial loans
• Wealth management services

Headquarters

HQ city

Valdosta

HQ country

United States

HQ region

North America

Offices6 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Net Interest Income: Primary revenue from interest rate spread between loans made (mortgages, commercial loans, personal loans, credit cards) and deposits held (checking, savings, CDs, IRAs). Interest rates on loans include mortgages (conventional, FHA, VA, USDA), commercial real estate, construction loans, and consumer lending products.
2. Deposit and Account Fees: Monthly service charges on accounts (e.g., $3.95 for Choice Checking with mailed statements, $9 for NOW Interest Checking, $8 for Small Business Checking). Overdraft fees, minimum balance charges, and paper statement fees. Transaction fees for excessive check writing.
3. Non-Interest Income: Fees from services including wire transfers, safe deposit boxes, official checks, and remote deposit. Wealth management referral fees through The Investment Centre partnership with Osaic Institutions. Credit card interchange through Elan Financial Services partnership.
4. Premium Account Services: Premier Checking bundle at $75/month includes Remote Deposit, ACH Origination, Business Bill Pay, and one free wire transfer per month. MSB Checking at $150/month for money services businesses. These premium tiers generate higher fee revenue per account.

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels5 records

Core offering

Commercial Banking Company is a South Georgia community bank that delivers deposit accounts, mortgage and consumer lending, SBA-backed commercial lending, small-business banking, credit cards, and wealth management through five branches and the CBC Anywhere digital platform. Products are priced as monthly-fee checking tiers, interest-bearing savings and CD/IRA vehicles, fixed- and variable-rate mortgage programs (VA, USDA, FHA, Conventional, Jumbo), SBA-preferred commercial loans, and wealth advisory services delivered through the Osaic Institutions-affiliated Investment Centre. Revenue is generated primarily from net interest spread on loans and deposits, account service charges, and fee income from premium business account bundles and partner-driven card and investment referrals.

Product overview

Commercial Banking Company (CBC Bank) operates as a community bank offering a comprehensive suite of banking products organized around personal and business banking categories. The personal banking suite includes five checking account types (Choice Checking, NOW Interest Checking, 50 NOW Checking, Student Checking, and Affiliate Checking), five savings products (Basic Savings, Personal Money Market, CDs, IRAs, and Young Achievers Savings), and diverse lending options (Mortgage Loans, Construction Loans, HELOCs, Personal Loans, Auto/RV Loans, and Boat Loans) plus Personal Credit Cards. Business banking encompasses six checking accounts (Select Business Checking, Small Business Checking, Commercial Checking, MSB Checking, IOLTA, and Premier Checking), two business savings products, and extensive commercial lending including SBA Loans, Business Lines of Credit, Investment Property Loans, and Agriculture Loans, plus Business Credit Cards. Mortgage offerings include VA, USDA, FHA, Conventional, and Jumbo loans. Digital banking capabilities include the CBC Bank Mobile App (CBC Anywhere), Online Banking, Bill Pay, Card Valet, and Automatic Transfers. Wealth Management services are provided through The Investment Centre partnership with Infinex/Osaic Institutions. All products are delivered through five South Georgia branch locations.

Differentiator

Problem solved

Functional benefit

Brands

• CBC Anywhere: Digital banking platform and mobile application offering online and mobile banking services including account management, bill pay, mobile deposits, and card controls.
• CBC Connect
• The Investment Centre at CBC Bank

Products and services

• Choice Checking Basic personal checking account with no minimum balance requirement and access to online banking, mobile banking, bill pay, direct deposit, and ATM services; $3.95 monthly fee with paper statements, waived with e-statements.
• NOW Interest Checking Interest-bearing personal checking account with unlimited transactions; $9 monthly service charge waived when $250 daily balance is maintained and $1,000 minimum daily balance to earn a variable interest rate.
• 50 NOW Checking Interest-bearing checking account for customers aged 50 and older with no monthly service charge, free checks for life, and a free 3x5 safe deposit box for the first year.
• Student Checking Checking account for students ages 14-25 with no monthly fee on e-statements and a free school-themed or standard debit card with a $10 donation to the affiliated school at account opening.
• Affiliate Checking Special checking account for Langdale Industry employees offering higher interest rates and personalized Langdale checks at no cost.
• Basic Savings General personal savings account for emergency funds or rainy-day savings; $100 opening deposit and interest earnings on balances of $100 or more.
• Personal Money Market Tiered personal money market savings with rates that scale up with balance; $2,500 opening deposit and tier pricing up to $5,000,000+ balances.
• Certificates of Deposit (CDs) Time-deposit savings products providing principal safety with competitive fixed interest rates across a wide range of CD terms.
• Individual Retirement Accounts (IRAs) Tax-advantaged retirement savings products including Roth IRA (after-tax) and Traditional IRA (before-tax) options at CBC Bank.
• Young Achievers Savings Youth savings account for children age 17 and under, with $25 opening deposit and automatic conversion to Basic Savings at age 18.
• Mortgage Loans Home purchase and refinance mortgages with VA, FHA, USDA, Conventional and Jumbo options, featuring quick local approval and competitive rates.
• Construction Loans Single-closing construction-to-permanent financing covering both land and construction of custom homes, with potential savings of nearly $3,000 versus two closings.
• Home Equity Lines of Credit (HELOC) Revolving credit lines secured by home equity for remodeling, tuition, vacations and other needs; minimum loan of $10,000 with variable interest rates.
• Personal Loans Short-term unsecured personal loans and personal lines of credit for unexpected emergencies or personal needs.
• Auto and Recreational Vehicle Loans New and pre-owned auto loans and recreational vehicle financing with competitive rates and flexible terms.
• Boat Loans Marine financing for boat purchases with competitive rates and flexible terms for secured and unsecured boat loans.
• Personal Credit Cards Personal credit cards issued through Elan Financial Services with low-rate, cash back and rewards options, plus zero fraud liability, mobile payments and online account management.
• Select Business Checking Basic business checking account with no monthly fee on e-statements and no minimum balance requirement.
• Small Business Checking Business checking for businesses writing 50-100 checks monthly with a $250 opening deposit and imaged checks included; $8 monthly fee.
• Commercial Checking Commercial checking account for businesses with large daily balances and high check volume, with earnings credit and an interest-bearing option; $500 opening deposit and $25 monthly fee.
• MSB Checking Checking account for Money Services Businesses with $250 minimum opening deposit and a $150 monthly service fee.
• IOLTA Accounts Interest on Lawyers Trust Accounts for legal professionals that earn interest on client funds held in trust.
• Premier Checking Premium business checking bundle including Remote Deposit, ACH Origination, unlimited check writing, Business Bill Pay, and one free wire transfer per month for a $75 monthly fee.
• Business Money Market Business savings account earning competitive rates with $2,500 opening deposit and tiered interest on balances of $5,000,000 or more.
• Business Basic Savings FDIC-insured business savings account with interest earnings on a $100 daily balance and easy access to funds.
• SBA Loans Small Business Administration loans offered through CBC Bank as an SBA Authorized Lender, used for real estate, equipment, construction or business startups with streamlined SBA processing.
• Business Lines of Credit Revolving business lines of credit allowing borrowing up to limits with interest charged only on drawn amounts, used for unexpected business situations.
• Spec Loans Financing for local home-builders to fund spec home construction projects.
• Investment Property Loans Financing for rental properties, fixer-uppers, condos, apartments, manufactured homes and non-manufactured homes held for investment.
• Owner-Occupied Commercial Real Estate Loans Commercial property financing for businesses occupying the property, including doctor's offices, churches, office buildings and convenience stores.
• Agriculture Loans Specialized financing for agricultural operations and farming businesses in the South Georgia region.
• Business Credit Cards Business credit cards issued through Elan Financial Services offering cash back, air travel, hotel stays, and free employee cards with individual credit limits.
• Wealth Management Services Financial advisory services delivered through The Investment Centre at CBC Bank in partnership with Osaic Institutions (formerly Infinex), covering investment strategies, financial planning, insurance needs, retirement planning, estate conservation, business succession and risk management.
• CBC Anywhere Mobile Banking App Mobile banking application for iOS and Android that provides account management, mobile deposits, fund transfers, bill pay, card controls and location services through the CBC Anywhere platform.
• Online Banking Web-based online banking platform providing balance checks, transactions, transfers, loan payments, stop payments, check imaging, check ordering and Bill Pay.
• Bill Pay Online bill payment service enabling scheduled payments, autopay, GiftPay for special occasions, and charity contributions.
• Card Valet Debit card management tool that enables users to set spending limits, control transaction types and geographies, and receive fraud alerts.
• Customizable Debit Cards Personalized debit cards featuring school logos for students and alumni or custom photos for personal accounts, with $10 donated to participating schools upon card issuance.

Named customers1 record

Segments7 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration5 records

Feature3 records

Partnerships

Six partnerships are on record, tiered core and minor.

• Osaic Institutions, Inc. (formerly Infinex Investments, Inc.)coreStrategic or Co-development Partner · 1 January 2010The Investment Centre at CBC Bank is operated through partnership with Osaic Institutions, Inc. (formerly Infinex Investments, Inc.). Financial advisors provide investment management, retirement planning, estate planning, insurance products, and business succession planning services to CBC Bank customers. Osaic is Member FINRA/SIPC. Partnership established in 2010 to meet client demand for professional financial planning.
• Elan Financial ServicescoreTechnology or IntegrationElan Financial Services provides credit card issuance, processing, and customer service for CBC Bank's personal and business credit card programs. Cards include Visa rewards, cash back, and low-rate options. Elan handles fraud protection, mobile payments, and online account management. Zero Fraud Liability protection included.
• Small Business Development Center at Valdosta State UniversityminorStrategic or Co-development PartnerCBC Bank refers small business clients to the Small Business Development Center at Valdosta State University for business planning assistance. SBDC provides resources for entrepreneurs starting or growing businesses in the South Georgia region.
• Georgia Bankers AssociationcoreOthersCBC Bank President/CEO Ryan Warren elected to Georgia Bankers Association Board of Directors (2026). GBA serves as leading advocacy organization for Georgia's banking industry. Warren also chairs the Community Bankers Committee. Partnership provides industry representation and professional development opportunities.
• CASA (Court Appointed Special Advocates)minorOthersCASA featured as part of CBC Bank's Charity of the Month program. Organization advocates for children in foster care through trained community volunteers. Partnership provides community visibility for CASA while demonstrating CBC Bank's community commitment.
• Local Schools (Valwood, Highland Christian, Georgia Christian, Colquitt, Lowndes, Valdosta High, Tift Area, Tift County, VSU, Open Bible)minorOthersSchool Debit Card program partners with local schools. CBC Bank donates $10 to participating schools when students open accounts with school-themed debit cards. Supports local education while building young customer relationships.

Scale indicators3 records

Recent moves13 records

Expansion highlights6 records

Emerging players

• Live Oak Banking Company: Technology-forward small business and SBA lender operating in the Southeast. Comparable in SBA loan focus and small business banking orientation, though differentiated by a digital-first delivery model.

Broad incumbents

• South State Bank (now Truist regional): A larger regional bank with overlapping commercial and consumer banking products in the Southeast, competing for the same SME and retail customers but with substantially broader scale and digital capabilities.
• Ameris Bank: Southeast regional bank with extensive Georgia branch coverage, offering comparable commercial, consumer, and mortgage products to community bank customers, though at substantially larger scale.
• Synovus Financial: Major Georgia-headquartered regional bank offering commercial, retail, and wealth management services statewide. Competes for the same South Georgia commercial and consumer customers with much greater scale and product breadth.

Direct peers

• Queensborough National Bank & Trust: Georgia-based community bank offering similar deposit, mortgage, and small business lending products with a comparable relationship-based model in non-metro Georgia markets.
• Fidelity Bank (Georgia): Georgia community bank with comparable commercial banking, mortgage, and consumer deposit products, serving similar SME and retail customers in non-metro Georgia markets.
• Colony Bankcorp: Georgia-based community bank holding company with a similar branch footprint in South and Middle Georgia, offering comparable commercial lending, SBA loans, mortgages, and deposit products to SMEs and consumers.
• South Georgia Banking Company: A community bank serving the South Georgia market with comparable branch-based, relationship-driven commercial and consumer banking services. Direct competitor for the same SME and consumer deposit base in the region.

Regional players

• CertusBank: Community-oriented bank with a presence in the Southeastern U.S. offering comparable deposit, lending, and small business banking products to community-focused customers.

Others

• Osaic Institutions: Wealth management and investment services partner of CBC Bank's Investment Centre. Not a direct competitor but a key ecosystem enabler for CBC Bank's wealth management referral revenue stream.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubepodcasts.apple.com/us/podcast/cbc-connect/id1833937052
• Facebookcbcbank.com/blog/author/cbc-bank
• LinkedInlinkedin.com/company/commercial-banking-company

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles10 records

Subsidiaries1 record

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 Commercial Banking Company