What CCB does

Cattaraugus County Bank (CCB) is a privately held, FDIC-insured community bank founded in 1902 and headquartered in Little Valley, New York. It operates seven branch locations across Cattaraugus and Chautauqua counties in western New York (Little Valley, Randolph, Salamanca, Springville, South Dayton, Lakewood, and Dunkirk) and serves individual consumers, local small and medium businesses, and homebuyers. Its core product portfolio spans three lines: Personal Banking (checking, savings, CDs, personal loans, IRAs, HSAs, and Visa credit cards), Business Banking (commercial loans, business checking and savings, business CDs, HSAs for employers, and Visa business credit cards), and Home Mortgages (purchase and refinance loans, seasonal/vacation property mortgages, and home equity loans/lines of credit). Distribution combines physical branches with digital channels — consumer online banking, business online banking, and a Portal Pay bill-payment platform — built on third-party infrastructure (cbzsecure.com) rather than proprietary core banking technology.

CCB generates revenue primarily through traditional banking mechanics: net interest income on loans and mortgages (commercial, personal, home equity) and deposit spread, plus transaction and account fees on checking, savings, CDs, and credit cards. Non-interest revenue includes commissions from affiliate CCB Insurance Services (a wholly-owned insurance subsidiary) and credit-card interchange via its Visa partnership. The bank's go-to-market is community-led and relationship-driven: it emphasizes local ownership, fast local loan approvals, and reinvestment of deposits back into the communities it serves. Marketing channels are localized — community sponsorships, a 'Count on CCB' radio show, local press, and a donations program — supported by standard digital banking tools for account management and product education. Strategic vendor relationships include Freddie Mac for secondary-market mortgage backing and consumer-education programs (CreditSmart, My Home by Freddie Mac) and Visa for credit-card issuance. The bank is locally owned with no disclosed parent company, private-equity backing, or institutional shareholders, consistent with a closely-held community-bank ownership structure.

Name

CCB

Legal name

Cattaraugus County Bank

Website

https://ccblv.com

Company type

Private

Founded year

1900

Operating status

Operating

Headcount range

51–100 employees

Short description

Cattaraugus County Bank (CCB) is a privately held, FDIC-insured community bank founded in 1902, operating seven branches across western New York to provide personal banking, business banking, and home mortgage products to local consumers, small and medium businesses, and homebuyers.

Ownership category

akta.pro rank

Product category

Community Banking

NAICS

Depository Credit Intermediation (5221), Commercial Banking (52211), Savings Institutions and Other Depository Credit Intermediation (52218)

SIC

State Commercial Banks (6022)

akta.pro primary industry

Bank & Credit Union Personal Loans (Unsecured Installment) (FSAKAAAL)

akta.pro secondary industry

General Purpose Credit Cards (FSAKABAA)

Keywords

• Community banking
• Commercial lending
• Residential mortgages
• Small business banking
• Deposit account services

Headquarters

HQ city

Little Valley

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, Others

Revenue model

1. Interest Income: Traditional banking revenue primarily from interest earned on loans including personal loans, mortgages, home equity loans, commercial loans, and business financing. The bank offers competitive loan products with local approval processes.
2. Deposit Account Fees and Services: Revenue from checking accounts, savings accounts, certificates of deposit, and related banking services including account maintenance and transaction fees.
3. Credit Card Revenue: Revenue generated from Visa credit card products offered to both personal and business customers, including interest charges and transaction fees.
4. Insurance Services: CCB Insurance Services, an affiliate, receives commissions from insurance companies for policies sold. This is disclosed as ancillary revenue from their banking operations.

Go-to-market motion1 record

Distribution channels3 records

Marketing channels4 records

Core offering

Cattaraugus County Bank (CCB) is an FDIC-insured community bank providing personal banking (checking, savings, CDs, personal loans, credit cards, IRAs, HSAs), business banking (commercial loans, business checking and savings, business credit cards, HSAs for employers), and home mortgage products (purchase mortgages, seasonal property mortgages, home equity loans and lines of credit). Services are delivered through seven branch locations in western New York and online/mobile banking channels, with local decision-making on loan approvals.

Product overview

Cattaraugus County Bank (CCB) offers a unified community banking platform providing personal and business banking services across multiple channels (branch, online, and mobile). The core product portfolio consists of Personal Banking (checking, savings, loans, credit cards, IRAs), Business Banking (commercial loans, business checking/savings, credit cards), and Home Mortgages (purchase loans, home equity products). These offerings are supported by digital banking services including online banking, business online banking, and Portal Pay for bill payment. All products are delivered through local approvals and community-focused service, with physical branch locations across New York State.

Differentiator

Problem solved

Functional benefit

Products and services

• Personal Banking A bundled personal banking offering for individual consumers including checking and savings accounts, personal loans, credit cards, IRAs, HSAs, and CDs, accessible in-branch, online, and in-app with local loan approvals.
• Business Banking A bundled business banking package including commercial loans, business checking and savings accounts, business credit cards, business CDs, and HSAs for employers, supported by digital cash management.
• Home Mortgages Residential mortgage purchase and refinance products, including seasonal property mortgages and Freddie Mac-backed conforming options, with local approval decisions.
• Commercial Loans Commercial lending products for local businesses including real estate loans and working capital/term loans with local approval authority.
• Personal Loans Unsecured personal loan products for individual consumers with local decision-making for faster approvals.
• Home Equity Loans and Lines of Credit Home equity loans and lines of credit enabling homeowners to borrow against the equity in their primary or seasonal residence for larger expenses.
• Seasonal Property Mortgages Specialized mortgage products tailored for seasonal or vacation property purchases in the bank's western New York footprint.
• Visa Credit Cards Visa-branded consumer and business credit cards with options for low introductory rates, rewards, and cashback, issued in partnership with Visa.
• Checking Accounts Personal and business checking account options for everyday banking needs, accessible in branch, online, and in-app.
• Savings Accounts Personal and business savings account products enabling customers to build and grow deposits or maintain business reserves.
• Certificates of Deposit (CDs) Time deposit accounts (CDs) with fixed terms and competitive rates for both personal and business banking customers.
• Individual Retirement Accounts (IRAs) Tax-advantaged personal retirement savings accounts including traditional and Roth IRA options.
• Health Savings Accounts (HSAs) Tax-advantaged Health Savings Accounts available to personal banking customers and to employers as an employee benefit.
• HSAs for Employers Health Savings Account offerings enabling local employers to provide HSA benefits to their workforce.
• Gold Club Banking Premium banking club providing additional account benefits and services to qualifying personal banking members.
• Portal Pay Bill Payment Online bill payment and account transfer service for CCB customers available through the bank's digital banking resources.

Named customers3 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

Three partnerships are on record, tiered core and minor.

• Freddie MaccoreTechnology or IntegrationFreddie Mac provides mortgage backing and secondary market support for CCB's home mortgage products. CCB offers CreditSmart and My Home by Freddie Mac programs to help customers understand the home buying process.
• VisacoreTechnology or IntegrationCCB offers Visa credit cards for both personal and business customers. Cards are provided through a partnership with Visa, offering various features including low intro rates, rewards, and cashback options.
• CCB Insurance ServicesminorChannel Partner/ Reseller/ DistributorCCB Insurance Services is an affiliate of Cattaraugus County Bank that offers insurance products to bank customers. The affiliate receives commissions from insurance companies based on premiums written and additional incentives.

Scale indicators1 record

Recent moves5 records

Expansion highlights4 records

Broad incumbents

• Northwest Bancshares: Pennsylvania-based community bank holding company (NASDAQ: NWBI) with operations across the Northeast and Midwest. Broader geographic and product footprint than CCB, but similar community-bank DNA and consumer/commercial/mortgage mix.

Direct peers

• Tompkins Financial Corporation: New York-based community bank holding company (NYSE: TMP) operating several community banks across NY and PA. Comparable full-service community banking model with personal, business, and mortgage lending.
• Community Bank System: Large New York-based community bank holding company (NYSE: CBU) offering personal, business, and mortgage banking across upstate NY and surrounding states. Closest scaled-up analog of CCB's community-banking model with similar product set but broader footprint.
• Evans Bancorp: Western New York community bank holding company (NYSE: EVBN) serving similar western NY markets. Comparable community banking model with consumer, commercial, and mortgage lending and similar mid-size branch footprint.
• NBT Bank: New York and northeastern community bank (NASDAQ: NBTB) offering consumer, commercial, and mortgage banking with strong presence in upstate NY. Comparable community bank model with broader geographic reach than CCB.
• Arrow Financial Corporation: Two-bank holding company (NASDAQ: AROW) based in Glens Falls, NY, operating community banks serving upstate New York. Similar community banking focus, comparable size, and overlapping product mix with CCB.
• Chemung Financial Corporation: New York community bank holding company (NASDAQ: CHMG) operating Chemung Canal Trust Company in southern tier and central NY. Similar size, community focus, and full-service product offering to CCB.
• Five Star Bank: Community bank headquartered in Warsaw, NY, operating across western New York with a comparable mix of personal, business, and mortgage banking. Most direct geographic peer to CCB given overlapping footprint in Cattaraugus/Chautauqua counties.

Regional players

• ServU Credit Union: Credit union serving western New York communities with consumer deposits, loans, and mortgage products. Competes for the same personal banking relationships in CCB's footprint but as a member-owned cooperative.

Emerging players

• Cornerstone Community Financial Credit Union: Credit union competing in similar western/upstate NY markets for retail deposits, loans, and small-business banking. Competitor for the same consumer and SMB segments CCB targets, but structured as a member-owned cooperative rather than a bank.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/profile.php

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 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