Cbbc

What Cbbc does

CBBC Bank is a privately held community bank founded in 1973 and headquartered at 330 E. Broadway, Maryville, Tennessee. It operates as a wholly-owned subsidiary of Twin Cities Financial Services, Inc. and serves individuals, families, and small-to-medium businesses in Blount County, East Tennessee through 7 branch locations (Maryville Main Office, Topside, Heritage, Highway 411 South, Midland, Townsend, and Alcoa). The bank offers full-service retail and commercial banking — checking, savings, money market, CDs, IRAs, debit and credit cards, mortgage loans, personal loans, and business lending — supported by FDIC deposit insurance up to $250,000 per depositor.

The bank's operating stack combines a traditional physical branch network with a digital channel layer: the BankOnLine online banking platform (including BankOnLine Business with ACH origination, Positive Pay, and dual-authority controls), a mobile app with mobile deposit and bill pay, Zelle for P2P payments, phone-based Fingertip Banking, and Interactive Teller Machines (ITMs) at all 7 branches with 24/7 self-service and live Teller Connect video assistance. Third-party integrations include ProfitStars (loan payment portal and Office Deposit), CardAccount.net (credit card servicing), ShareFile (secure file upload), and Check Printing Solutions. The bank transitioned its primary web domain to CBBC.bank in 2024, leveraging the .BANK namespace for enhanced security.

Revenue is generated primarily through interest income on consumer, mortgage, commercial, and credit card lending, plus deposit account fees and service charges, credit card annual fees ($49 for Preferred Points Rewards Card), interchange fees, and net interest spreads on CDs and IRAs. The customer base is horizontally segmented into individuals/families and small-to-medium businesses, with no disclosed enterprise or institutional clients. Marketing is conducted through community involvement, social media, financial education content, and local events. The bank is led by President & CEO Michael Hearon (joined August 1, 2022) and a senior management team averaging 32 years of tenure.

Name

Cbbc

Legal name

CBBC Bank

Website

https://cbbc.bank

Company type

Private

Founded year

1973

Operating status

Operating

Headcount range

51–100 employees

Short description

CBBC Bank is a privately held, FDIC-insured community bank founded in 1973, operating 7 branches across Blount County, Tennessee, serving retail and small-business customers with checking, savings, lending, mortgages, credit cards, and digital banking. It is a wholly-owned subsidiary of Twin Cities Financial Services, Inc.

Ownership category

akta.pro rank

Product category

Community Banking

NAICS

Commercial Banking (52211), Commercial Banking (522110)

SIC

State Commercial Banks (6022)

akta.pro primary industry

Branch & In-Person Banking (Teller/ATM Networks) (FSABAAAE)

akta.pro secondary industries

Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA), Small Business Banking (Microbusiness/Sole Proprietor) (FSABAAAI), Credit Cards & Revolving Credit (FSABAAAC)

Keywords

• Community banking
• Retail deposit accounts
• Mortgage and consumer lending
• Small business banking
• Interactive teller machines

Headquarters

HQ city

Maryville

HQ country

United States

HQ region

North America

Offices8 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 from Lending: Primary revenue from interest earned on loan portfolio including consumer loans, residential mortgages, commercial loans, and credit cards.
2. Deposit Account Fees and Service Charges: Fees from checking accounts (minimum balance requirements), savings accounts, and various service charges for account maintenance and transactions.
3. Credit Card Fees: Annual fees on Preferred Points Rewards Card ($49), interest charges on outstanding balances, and interchange fees.
4. Certificate of Deposit Interest Spreads: Revenue from spread between interest paid on CDs/IRAs and interest earned on lending activities.

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels6 records

Core offering

CBBC Bank is a community bank that accepts consumer and business deposits and extends consumer, mortgage, and commercial loans through seven branches in Blount County, Tennessee. Its product set spans checking, savings, money market, CDs, IRAs, debit and credit cards, mortgage, personal, and business lending, supported by the BankOnLine online and mobile platform, ITMs with extended teller hours, mobile deposit, bill pay, and Zelle.

Product overview

CBBC Bank is a community bank offering a unified banking platform with integrated digital services and traditional banking products. The core offering centers on deposit accounts (checking, savings, CDs, IRAs) and lending products (mortgages, personal loans, business loans, credit cards). Digital services include BankOnLine (online banking), BankOnLine Business (commercial banking), Mobile Deposit, Bill Pay, and Interactive Teller Machines (ITMs). The bank also provides Zelle® for P2P payments, over 50 financial calculators, and financial education resources. The product portfolio operates as a single integrated banking platform rather than separate modules, with all services accessible through the BankOnLine interface and mobile app.

Differentiator

Problem solved

Functional benefit

Products and services

• Checking Accounts Personal and business checking accounts including Cashback Checking, Student Cashback Checking, Business Interest Checking, Community Interest Checking, and High School Cashback Checking, with tiered cashback APYs based on balance thresholds and minimum balance requirements to avoid monthly fees.
• Savings & Money Market Accounts Savings products including Personal & Business Savings, Young Savers, Silver Savings with tiered APYs, and Personal & Business Money Market Accounts with balance-tiered rates.
• Certificates of Deposit (CDs) & IRAs Term deposit products including Standard CDs (91-day to 60-month terms), CD Specials (7, 11, 15, 21-month), a 24-Month Step Up CD with one-time rate increase, and IRA Certificates of Deposit with various maturities.
• Mortgage Loans Residential mortgage lending products including home purchase loans, home equity loans, and refinancing options for consumers in Blount County.
• Personal Loans Consumer lending products including auto loans, boat loans, CD-secured loans, and general personal loans for various household purposes.
• Business Lending Commercial lending products including various term loans and credit facilities designed to support local business growth and operating needs.
• Business Credit Cards Business credit cards including a Business Standard Card with no annual fee and a Business Preferred Points Rewards Card earning 1 point per dollar spent (up to 10,000 points/month) with a $49 annual fee, including MasterCard benefits.
• BankOnLine (Personal Online Banking) CBBC Bank's online banking platform that enables personal customers to access accounts, transfer funds, pay bills, view eStatements, deposit checks via mobile, and manage finances from any device with internet access.
• BankOnLine Business (Business Online Banking) Business-focused online banking solution with features including ACH origination, Positive Pay, online domestic wires, dual authority payment controls, and payroll file processing for SMB customers.
• Interactive Teller Machines (ITMs) Hybrid ATM/teller machines deployed at all 7 branch locations offering 24/7 self-service banking with capabilities including cash deposits/withdrawals, check deposits, fund transfers, mini statements, loan payments, check cashing, and PIN changes, plus live Teller Connect video assistance during extended hours.

Quantifiable outcome

• FDIC-insured up to $250,000 per depositor

Named customers1 record

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration5 records

Feature4 records

Scale indicators4 records

Recent moves7 records

Expansion highlights5 records

Direct peers

• SouthEast Bank: Tennessee-based community bank with a similar geographic concentration in the Southeast and a comparable product mix (deposits, lending, treasury management). Recently referenced in CBBC executive Kirby Burton's prior CRO role, making it a tightly comparable regional peer.
• FirstBank (Tennessee): Tennessee community bank operating in the same regional footprint with comparable consumer and small-business banking products, branches, and digital services.
• SmartBank: Tennessee-headquartered community bank with branches across East Tennessee and the Southeast, offering similar consumer/SMB deposit and lending products with a relationship-based model analogous to CBBC.
• Citizens National Bank (Tennessee): Tennessee-based community bank with similar consumer/SMB deposit and lending offerings, overlapping in the East Tennessee market adjacent to Blount County.

Broad incumbents

• Regions Bank: Large regional bank with branches throughout Tennessee, including Blount County. Overlaps with CBBC across consumer deposits, mortgages, and SMB banking, though serves a much broader geography.
• Truist Bank: National bank with retail branches across Tennessee, including the Blount County market, offering consumer deposits, mortgages, small-business banking, and credit cards that overlap with CBBC's product set.
• First Horizon Bank: Major Tennessee-headquartered regional bank with significant Blount County presence offering the full suite of consumer and commercial banking products that compete with CBBC's local franchise.

Regional players

• Andrew Johnson Bank: State-chartered Tennessee community bank operating in neighboring counties, comparable in scale and product set, serving overlapping East Tennessee demographics.
• ORNL Federal Credit Union: East Tennessee credit union serving the broader Knoxville region with consumer deposit, lending, and digital banking products comparable to CBBC's offerings in neighboring markets.
• Y-12 Federal Credit Union: East Tennessee credit union serving Blount and surrounding counties with consumer deposit and lending products directly competitive with CBBC's offerings in the local market.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/cbbcbank
• LinkedInlinkedin.com/company/cbbc
• Instagraminstagram.com/cbbcbank

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles21 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 Cbbc