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Ccb Community Bank

Andalusia, AL · Est. 1947 · Website ↗
A
Trust Grade
Excellent
Score: 95/100

Ccb Community Bank is a bank based in Andalusia, Alabama, established in 1947, with $667 million in total assets across 5 branches. By Trust Grade it ranks 41st of 93 banks we track in Alabama. Its capital ratio of 9.3% trails most similarly sized banks (35th percentile), versus a Alabama median of 10%. It was profitable over the most recent period, with a 2.02% return on assets. No consumer complaints against Ccb Community Bank appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.

Total assets
$666.7M
$100M–1B institution
Deposits
$599.0M
Branches
5
Capital ratio
9.3%
Bottom 35% of $100M–1B peers · Alabama median 10%
Return on assets
2.0%
Top 12% of $100M–1B peers · Alabama median 1.08%
Rank in Alabama
#41
of 93 banks

How Ccb Community Bank compares to Alabama peers

Capital ratio
Bottom 35% of $100M–1B peers
Ccb Community
9.3%
Alabama median
10.0%
Higher capital ratio = stronger financial cushion
Return on assets
Top 12% of $100M–1B peers
Ccb Community
2.0%
Alabama median
1.1%
Higher ROA = more profitable relative to asset base

How we graded Ccb Community Bank

The Trust Grade blends financial strength with complaint history. Full methodology →

Financial strength
95/100
Customer experience
n/a
Overall
A · 95
  • Strongly capitalized (9.3% capital ratio)
  • Strongly profitable (ROA 2.02%)
  • No CFPB complaints on record

Consumer complaints (CFPB)

No CFPB complaints are on file for Ccb Community Bank over the analysis window. For a smaller institution this is common and counts in its favor.

Branch locations (5)

  • 225 E Three Notch St, Andalusia, AL 36420
  • 609 Florala Hwy, Opp, AL 36467
  • 1290 N Ferdon Blvd, Crestview, FL 32536
  • 1502 John Sims Pkwy E, Niceville, FL 32578
  • 732 Baldwin Ave, Defuniak Springs, FL 32435

Are deposits at Ccb Community Bank insured?

Yes. Ccb Community Bank is an FDIC-insured bank (FDIC certificate #16595). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.

Ccb Community Bank: frequently asked questions

Is Ccb Community Bank a good bank?

Ccb Community Bank earns a Bankzia Trust Grade of A (95/100, "Excellent"), based on a financial-strength score of 95/100 (it has no CFPB complaints on record). Strongly capitalized (9.3% capital ratio); Strongly profitable (ROA 2.02%).

Is Ccb Community Bank FDIC-insured?

Yes. Ccb Community Bank is a FDIC-insured bank (FDIC certificate #16595). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.

How big is Ccb Community Bank?

Ccb Community Bank holds $667 million in total assets, ranking 41st of 93 banks we track in Alabama. It operates 5 branches.

Does Ccb Community Bank have CFPB complaints?

No CFPB complaints against Ccb Community Bank appear in our data over the analysis window, which is typical for a bank of this size.

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Merit Bank
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Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.

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