Community Bank of Pickens County

What Community Bank of Pickens County does

Community Bank of Pickens County is a privately held, state-chartered community bank founded in 2000 and headquartered in Jasper, Georgia. It serves individual consumers and small-to-medium-sized businesses in Pickens County through two physical branches — the original Highway 53 flagship and a second Cove Road branch opened in 2008 — supplemented by online and business online banking platforms and Zelle for real-time peer-to-peer payments. The bank is the only locally owned bank in Pickens County and operates with local management and a local board making local credit decisions.

The bank's product offering spans personal banking (deposit accounts, consumer loans, real estate loans) and business banking (commercial lending, SBA 7(a)/504/SBA Express loans up to $5,000,000 with terms up to 25 years, USDA Business & Industry / FSA / Community Facilities loans, working capital, equipment financing, business acquisition financing, and seasonal lines of credit). Digital infrastructure consists of a third-party online banking platform, Zelle payments via Early Warning Services, vendor-provided fraud detection and real-time account verification, and a suite of public-facing financial calculators. A dedicated SBA loan center was added in 2014 to formalize the government-guaranteed lending franchise, and the bank is consistently ranked in the top 10 in Georgia for SBA lending.

The revenue model is that of a traditional commercial bank: net interest income from the loan portfolio (commercial, consumer, real estate, SBA, USDA) plus fee income from deposit products and services. Customer acquisition is driven almost entirely by community presence, local reputation, and word-of-mouth, supported by a website and local community involvement. No pricing or rates are publicly disclosed. The bank has no public ticker, no parent company, and no disclosed external institutional ownership.

Name

Community Bank of Pickens County

Legal name

Community Bank of Pickens County

Website

https://www.cbopc.com

Company type

Private

Founded year

2000

Operating status

Operating

Headcount range

11–50 employees

Short description

Community Bank of Pickens County provides personal and business banking services in Jasper and Pickens County.

Ownership category

akta.pro rank

Product category

Community Banking

NAICS

Commercial Banking (52211)

SIC

National Commercial Banks (6021)

akta.pro primary industry

Community Credit Unions (Retail/Consumer Focus) (FSABAEAA)

akta.pro secondary industry

Bank Branch / Retail Purchase Mortgages (FSALAAAA)

Keywords

• Community banking services
• Personal banking products
• Commercial lending services
• SBA loan programs
• Deposit account services

Headquarters

HQ city

Jasper

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Interest Income & Banking Fees: Traditional banking revenue from interest income on loans (commercial, consumer, real estate, SBA loans) and fee income from deposit products and services.

Go-to-market motion1 record

Distribution channels2 records

Marketing channels3 records

Core offering

Community Bank of Pickens County is a locally owned community bank providing personal and business banking services in Jasper and Pickens County, Georgia. It offers deposit accounts, online banking, SBA and USDA guaranteed loans, commercial and consumer lending, and real estate financing. The bank operates two full-service branches and serves both individual consumers and small-to-medium-sized businesses in its local market.

Product overview

Community Bank of Pickens County operates as a traditional community bank offering a unified suite of banking products. The core offerings include Personal Banking and Business Banking services, supplemented by Online Services for digital access. The bank's lending portfolio encompasses SBA Loans (7(a), 504, SBA Express with amounts up to $5 million), USDA Loans (Business & Industry, Farm Service Administration, Community Facilities), and general Commercial Lending including real estate and construction loans. Security features include Fraud Detection and Monitoring, Enhanced Activity Controls, Real-Time Account Verification, and Zelle Payments. Additional digital tools include Financial Calculators covering mortgage, loan, CD, and compound interest calculations. The bank positions itself as locally owned and operated with over 60 employees serving the Pickens County, Georgia community since 2000.

Differentiator

Problem solved

Functional benefit

Products and services

• Personal Banking Banking products and services designed for individual consumers, including deposit accounts and personal financial management.
• Business Banking Banking products and services designed for business customers, including commercial lending and deposit solutions.
• Online Banking Services

Quantifiable outcome

• Ranked consistently in top 10 in Georgia in SBA lending

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

Two partnerships are on record, tiered core.

• U.S. Small Business Administration (SBA)coreOthersCommunity Bank of Pickens County actively participates in SBA loan guarantee programs, offering 7(a), 504, and SBA Express loans to small businesses. The bank is consistently ranked in the top 10 in Georgia for SBA lending.
• U.S. Department of Agriculture (USDA)coreOthersThe bank participates in USDA loan guarantee programs including Business & Industry (B&I), Farm Service Administration (FSA), and Community Facilities (CF) loans.

Scale indicators5 records

Recent moves9 records

Expansion highlights5 records

Direct peers

• Live Oak Bank: Wilmington, NC-based bank widely recognized as the leading SBA-focused community bank in the U.S. Highly comparable to Community Bank of Pickens County on SBA lending specialization, small-business customer focus, and community-bank business model.
• Celtic Bank: Salt Lake City-based community bank specializing in SBA lending programs. Directly comparable as a smaller institution whose SBA franchise is a defining strategic differentiator, mirroring the SBA-focused positioning of Community Bank of Pickens County.
• Byline Bank: Chicago-based community bank with a substantial SBA lending practice alongside traditional retail and commercial banking. Closely comparable in combining community-bank deposit franchise with SBA specialty lending, similar to the dual positioning of Community Bank of Pickens County.

Broad incumbents

• United Community Banks: Blairsville, GA-based regional community bank holding company operating across the Southeast. Comparable as a Georgia-headquartered community banking institution with multi-branch retail and small business lending, though at much greater scale than Community Bank of Pickens County.
• ServisFirst Bancshares: Birmingham, AL-based regional bank holding company with commercial and retail banking across the Southeast. Comparable as a Southeast regional community/commercial bank competitor with overlapping small business and consumer banking offerings.
• Cadence Bank: Regional bank with strong Southeast presence including Georgia. Comparable as a broader incumbent competing for community banking, small business lending, and SBA-related deposits and loans in markets where Community Bank of Pickens County operates.
• Pinnacle Financial Partners: Nashville, TN-based regional bank holding company with Southeast footprint. Comparable as a broader community/commercial banking incumbent offering small business lending, SBA-related products, and consumer banking in markets overlapping with Community Bank of Pickens County.

Regional players

• Habersham Bank: Independent community bank based in Clarkesville, GA serving northeast Georgia including areas adjacent to Pickens County. Closely comparable as a similarly sized Georgia community bank with comparable retail and small business banking focus in a neighboring geographic market.
• First Volunteer Bank: Tennessee-based community bank serving the Southeast with retail and small business banking. Comparable as a regional community bank peer of similar scale, serving small business and consumer customers in adjacent markets with a comparable product mix.

Emerging players

• ReadyCap Lending: Specialty SBA 7(a) lender operating as a non-bank fintech. Comparable as an emerging SBA-focused competitor pursuing similar small business borrowers, representing a digital-first alternative to traditional community bank SBA lending.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/CBPickens
• Facebookfacebook.com/communitybankofpickenscounty
• LinkedInlinkedin.com/company/community-bank-of-pickens-county

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 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 Community Bank of Pickens County