Commerce Community Bank

What Commerce Community Bank does

Commerce Community Bank (the source material in the firm's data systems identifies this entity as "Currency Bank") is a privately held, FDIC-insured community bank headquartered in Louisiana. It operates three physical branches in Baton Rouge (7054 Jefferson Hwy), Oak Grove (600 E. Main St.), and Kaplan (201 N. Cushing Ave.), serving individual consumers, small and mid-sized businesses, and agricultural borrowers across the state. The bank positions itself as a relationship-led, "High Tech, High Touch" institution that competes on personal service rather than transaction volume.

The product suite is organized into Business, Personal, and Agri-Business lines. Business offerings include loans and credit lines, checking accounts, savings accounts, and money market accounts. Personal banking mirrors that structure with the addition of Zelle peer-to-peer payments. Agri-business banking provides specialized farm loans, operating credit, and land financing for Louisiana agricultural customers. Distribution is multi-channel: in-person branch banking, an online banking portal supporting balance management, transfers, and eStatements enrollment, iOS and Android mobile applications (delivered via a third-party mFoundry platform), and dedicated phone banking support including a 24/7 lost-or-stolen debit card line.

The revenue model follows traditional community bank mechanics: net interest income on the loan portfolio (personal, commercial, and agricultural) and deposit-funded balance sheet, supplemented by fee income on deposit accounts, money market, and payment services. Pricing, interest rates, and fee schedules are not publicly disclosed on the bank's website, which is typical for relationship-priced community bank products. Customer segmentation is horizontal, with personal banking identified as the primary segment, followed by business banking and a niche agri-business vertical.

Name

Commerce Community Bank

Legal name

Currency Bank

Website

https://ccombk.com

Company type

Private

Founded year

1999

Operating status

Operating

Headcount range

11–50 employees

Short description

Commerce Community Bank (operating data identifies as Currency Bank) is an FDIC-insured Louisiana community bank with three branches in Baton Rouge, Oak Grove, and Kaplan, offering personal, business, and agricultural deposit and lending products supported by online and mobile banking channels.

Ownership category

akta.pro rank

Product category

Community Banking

NAICS

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

SIC

State Commercial Banks (6022)

akta.pro primary industry

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

akta.pro secondary industry

Retail Lending (Personal Loans, Auto, Credit Lines) (FSABAAAB)

Keywords

• Community banking
• Personal banking
• Business banking
• Agricultural lending
• Mobile banking

Headquarters

HQ city

Arusha

HQ country

Tanzania

HQ region

Africa

Offices3 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Distribution channels4 records

Marketing channels4 records

Core offering

Commerce Community Bank is a Louisiana-based community bank offering deposit accounts (checking, savings, money market), loan and credit products for personal and business borrowers, and specialized agri-banking services for farmers and ranchers. Service is delivered through three physical branches in Baton Rouge, Oak Grove, and Kaplan, complemented by an online banking portal and iOS/Android mobile apps. The bank's "High Tech, High Touch" model emphasizes concierge-level personal service alongside modern digital banking tools.

Product overview

Currency Bank offers a comprehensive suite of banking products organized into Business, Personal, and Agri-Business categories. Business offerings include Loans & Credit, Checking Accounts, Savings Accounts, and Money Market accounts. Personal banking encompasses Loans & Credit, Checking Accounts, Savings Accounts, Money Market, and Zelle peer-to-peer payment services. The bank also provides specialized Agri-Business banking. All services are supported by an online banking platform and mobile applications for iOS and Android. The bank's approach emphasizes combining personal service with modern technology to deliver a high-tech, high-touch banking experience.

Differentiator

Problem solved

Functional benefit

Products and services

• Business Loans & Credit

Segments3 records

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature1 record

Scale indicators1 record

Recent moves4 records

Expansion highlights4 records

Direct peers

• Progressive Bank: Louisiana-based community bank providing consumer, business, and agricultural lending across multiple Louisiana markets — directly comparable in product mix and regional focus.
• Home Bank: Lafayette-based Louisiana community bank offering consumer, business, and mortgage banking with overlapping branch geography and a similar full-service community banking model.
• Red River Bank: Louisiana-headquartered community bank based in Alexandria offering consumer, business, and agricultural banking across multiple Louisiana markets with a similar relationship-driven model and comparable branch footprint.
• b1BANK: Louisiana community bank with a comparable mix of business, personal, and treasury banking products and similar relationship-focused positioning across overlapping regional markets.
• Investar Bank: Baton Rouge-headquartered community bank providing deposit, lending, and digital banking products across south Louisiana — directly overlapping Currency Bank's primary market and customer segments.

Broad incumbents

• Wells Fargo: National bank with Louisiana branch presence targeting the same consumer and small-business customers as Currency Bank, with significantly greater digital, lending, and product capabilities.
• Capital One: National bank with Louisiana retail and digital presence competing for the same consumer deposit and personal lending relationships as Currency Bank, with materially larger technology investment.
• Hancock Whitney: Larger Gulf Coast regional bank with a significant Louisiana branch network and broad product set; competes for the same consumer and small-business relationships as Currency Bank but with materially greater scale and capabilities.
• Cadence Bank: Regional bank with Louisiana operations offering consumer, small-business, and treasury banking; competes in the same geographies as Currency Bank but with a broader product portfolio and larger balance sheet.
• JPMorgan Chase: National bank with meaningful Louisiana retail presence that competes for the same consumer deposit and small-business relationships as Currency Bank, leveraging vastly larger technology investment and product breadth.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights5 records

Customer concentration

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

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 Commerce Community Bank