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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Andalusia, AL · FDIC certificate #16595
CCB COMMUNITY BANK is an FDIC-insured institution based in Andalusia, AL (FDIC certificate #16595). In its Q3 2026 Call Report it reported total assets of $686M, total deposits of $616M and net loans of $511M. Its primary federal regulator is FDIC.
Plain-language readout
CCB COMMUNITY BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $686M in Q3 2026 and were lowest at $662M in Q2 2026.
Total deposits were highest at $616M in Q3 2026 and lowest at $592M in Q2 2026.
Over the whole period total assets rose 2.9%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $686M | $616M | $511M | 2.56% | 27.24% | 4.70% |
| Q2 2026 | $662M | $592M | $504M | 2.34% | 24.83% | 4.73% |
| Q1 2026 | $667M | $599M | $508M | 2.02% | 21.75% | 4.65% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $67.1M | $67.6M | -$568K | -0.8% |
| Federal funds sold | $8.1M | $8.3M | -$127K | -1.5% |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $60.7M | $60.9M | -$207K | -0.3% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $504.0M | $508.2M | -$4.2M | -0.8% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $9.8M | $9.4M | +$333K | +3.5% |
| Other real estate owned | $130K | $18K | +$112K | +622.2% |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $0K | $0K | $0K | n/a |
| All other assets | $12.2M | $12.2M | -$6K | -0.0% |
| Total assets | $661.9M | $666.7M | -$4.7M | -0.7% |
| Liabilities | ||||
| Total deposits | $592.5M | $599.0M | -$6.5M | -1.1% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $0K | $0K | $0K | n/a |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $5.7M | $5.5M | +$144K | +2.6% |
| Total liabilities | $598.1M | $604.5M | -$6.4M | -1.1% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $49K | $49K | $0K | 0.0% |
| Surplus | $20.1M | $20.1M | $0K | 0.0% |
| Retained earnings | $50.6M | $48.8M | +$1.8M | +3.6% |
| Accumulated other comprehensive income | -$6.9M | -$6.8M | -$92K | -1.4% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $63.8M | $62.1M | +$1.7M | +2.7% |
| Credit and capital | ||||
| Gross nonperforming assets | $1.1M | $600K | +$506K | +84.3% |
| Adjusted nonperforming assets | $1.1M | $600K | +$506K | +84.3% |
| Tangible equity plus allowance | $70.2M | $68.5M | +$1.7M | +2.4% |
| Texas ratio (gross) | 1.58% | 0.88% | +0.70 pts | See points |
| Texas ratio (adjusted) | 1.58% | 0.88% | +0.70 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 4.79% | 4.25% | +0.55 pts | See points |
| Tier 1 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Common equity Tier 1 to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 2 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Total risk-based capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 1 leverage (approximate) | 10.53% | 10.25% | +0.27 pts | See points |
| Construction and land loans to total capital | 63.42% | 62.42% | +1.00 pts | See points |
| Commercial real estate to total capital | 213.96% | 203.79% | +10.17 pts | See points |
| Dividend payout, year to date | 67.78% | 78.49% | -10.71 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -9.74% | -9.86% | +0.12 pts | See points |
| Liquidity | ||||
| Core deposits | $535.8M | $543.1M | -$7.3M | -1.3% |
| Non-core funding | $56.7M | $55.9M | +$778K | +1.4% |
| Loans to core deposits | 95.25% | 94.76% | +0.50 pts | See points |
| Loans to deposits | 86.14% | 85.91% | +0.23 pts | See points |
| Brokered deposits share of deposits | 0.17% | 0.17% | +0.00 pts | See points |
| Pledged securities share of securities | 64.77% | 65.83% | -1.05 pts | See points |
| Loans pledged, share of loans | 77.74% | 57.81% | +19.93 pts | See points |
| Volatile liabilities | $56.7M | $55.9M | +$778K | +1.4% |
| Earnings | ||||
| Earnings before provision, year to date | $8.1M | $3.6M | +$4.5M | +125.3% |
| Earnings before provision, single quarter | $4.5M | $3.6M | +$911K | +25.3% |
| Provision for credit losses, year to date | $122K | $122K | $0K | 0.0% |
| Yield and cost | ||||
| Yield on loans and leases | 7.00% | 6.93% | +0.07 pts | See points |
| Yield on interest-bearing balances due from banks | 3.67% | 3.26% | +0.40 pts | See points |
| Total interest income to average assets | 5.93% | 5.84% | +0.10 pts | See points |
| Cost of interest-bearing transaction accounts | 1.52% | 1.54% | -0.03 pts | See points |
| Cost of savings and money market deposits | 1.33% | 1.33% | +0.00 pts | See points |
| Cost of time deposits | 3.29% | 3.37% | -0.08 pts | See points |
| Total interest expense to average assets | 1.39% | 1.44% | -0.06 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $686M | $616M | $511M | 2.56% | 27.24% | 4.70% |
| 2026-06-30 | $662M | $592M | $504M | 2.34% | 24.83% | 4.73% |
| 2026-03-31 | $667M | $599M | $508M | 2.02% | 21.75% | 4.65% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| AL | $454M | 0.32% | 45 | Continuing · -0.00 pp |
| FL | $145.4M | 0.02% | 138 | Continuing · -0.00 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.