TellerScore

Headquartered in Andalusia, Alabama, CCB Community Bank is a state-chartered bank with $661.9M in total assets and $592.5M in deposits as of Q2 2026. It operates 5 offices across 2 states. Its charter dates back to 1947.

Based on its Q2 2026 filing, CCB Community Bank scores 79/100, which we describe as strong. That is higher than 75% of 2,650 banks with $100 million – $1 billion. Among 93 banks headquartered in Alabama, it ranks 24th. Its strongest component is earnings (100/100; 2.34%), and its lowest is capital cushion (55/100; 10.53%).

TellerScore · Q2 2026

Scorecard

Capital cushion55/100
Tier 1 leverage ratio: 10.53%
Loan quality94/100
Noncurrent loans ÷ total loans: 0.19%
Earnings100/100
Return on assets (annualized): 2.34%
Funding & liquidity64/100
Loans ÷ deposits and uninsured-deposit share: 85.1% · 25.2% uninsured
Problem-loan coverage97/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 1.58%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 2 points (81 → 79), mostly because the loan quality component weakened by 5 points.

TellerScore
777981Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202477
Q3 202479
Q4 202479
Q1 202580
Q2 202581
Q3 202581
Q4 202578
Q1 202679
Q2 202679
Tier 1 leverage ratio
5.00%7.76%10.53%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20249.76%
Q3 20249.80%
Q4 20249.75%
Q1 20259.91%
Q2 202510.26%
Q3 202510.42%
Q4 202510.18%
Q1 202610.25%
Q2 202610.53%
Noncurrent loans
0.00%0.14%0.27%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.08%
Q3 20240.01%
Q4 20240.01%
Q1 20250.00%
Q2 20250.02%
Q3 20250.05%
Q4 20250.27%
Q1 20260.11%
Q2 20260.19%
Return on assets
1.80%2.07%2.34%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.80%
Q3 20241.89%
Q4 20241.96%
Q1 20252.02%
Q2 20252.16%
Q3 20252.21%
Q4 20252.27%
Q1 20262.02%
Q2 20262.34%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202679$661.9M10.53%0.19%2.34%85.1%
Q1 202679$666.7M10.25%0.11%2.02%84.8%
Q4 202578$663.2M10.18%0.27%2.27%83.4%
Q3 202581$673.2M10.42%0.05%2.21%81.5%
Q2 202581$665.1M10.26%0.02%2.16%82.2%
Q1 202580$671.8M9.91%0.00%2.02%81.8%
Q4 202479$664.8M9.75%0.01%1.96%81.7%
Q3 202479$695.8M9.80%0.01%1.89%78.5%
Q2 202477$675.1M9.76%0.08%1.80%82.7%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio10.53%
42nd
Total risk-based capital0.00%
24th
Problem loans0.19%
66th
Net charge-offs0.01%
51st
Return on assets2.34%
93rd
Net interest margin4.73%
87th
Efficiency ratio52.8%
77th
Loans to deposits85.1%
38th
Uninsured deposits25.2%
45th
Loan-loss reserves1.25%
56th
Texas ratio1.6%
62nd

Similar-size banks in Alabama

InstitutionScoreAssetsCapitalProblem loansCompare
The Hometown Bank of AlabamaBank Oneonta, AL57 out of 100, Moderate$660.7M11.1%2.03%vs
First Southern BankBank Florence, AL18 out of 100, Low$679.2M8.9%10.86%vs
First Community Bank of Central AlabamaBank Wetumpka, AL74 out of 100, Strong$694.3M8.6%0.10%vs
Merit BankBank Huntsville, AL64 out of 100, Moderate$581.6M9.7%0.00%vs
MidSouth BankBank Dothan, AL66 out of 100, Moderate$771.5M9.3%0.28%vs
EvaBankBank Eva, AL78 out of 100, Strong$490.6M27.8%1.61%vs

Deposit insurance

Is my money safe at CCB Community Bank?

Yes. CCB Community Bank is an FDIC-insured institution (FDIC certificate #16595). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 25.2% of deposits ($149.3M) are above the $250,000 FDIC insurance limit, close to the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 10.53%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

5 locations

Branches

CCB Community Bank lists 5 offices in 5 cities across 2 states. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, CCB Community Bank reported 162 home-loan applications under HMDA (LEI 254900FG1PR8UNV77C36): 144 originated ($26,040,000 total), 3 denied, and 8 withdrawn or closed by the applicant. Its denial rate on decided applications was 1.9%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
CCB Community Bank
Former names
Covington County Bank; Citibanc of Alabama, Andalusia, Alabama; SouthTrust Bank of Covington County
Type
State-chartered bank
FDIC certificate #
16595
RSSD ID
655839
Primary regulator
FDIC
Holding company
Southern National Corp
Established
July 1, 1947
Headquarters
225 E Three Notch St, Andalusia, AL 36420
Employees
117

Quick answers

CCB Community Bank: common questions

Is CCB Community Bank FDIC insured?

Yes. CCB Community Bank is an FDIC-insured institution (FDIC certificate #16595). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is CCB Community Bank's TellerScore?

79 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has CCB Community Bank ever failed?

There is no failure record for FDIC certificate #16595 in the FDIC failed bank list.

How many branches does CCB Community Bank have?

5 offices as of the latest FDIC data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near Andalusia

InstitutionScoreAssetsCapitalProblem loansCompare
Southern Independent BankBank Opp, AL87 out of 100, Very strong$395.3M13.6%0.08%vs
Andalusia Mills Employees Credit As Federal Credit UnionCredit union Andalusia, AL87 out of 100, Very strong$3.2M20.5%0.35%vs
Dozier BankBank Dozier, AL73 out of 100, Strong$54.8M26.8%1.84%vs
Opp-Micolas Credit UnionCredit union Opp, AL67 out of 100, Moderate$10.4M25.2%1.46%vs
Regions BankBank Birmingham, AL64 out of 100, Moderate$159.8B9.5%0.93%vs
Woodforest National BankBank The Woodlands, TX60 out of 100, Moderate$9.0B9.3%1.93%vs