CCB Community Bank
Andalusia, AL · Cert 16595 · Peer group: banks under $1B in assets operating regionally (n=94) · Southern National Corp.
State charter, non-member · FDIC · 5 branches
Q2 2026
$661.9MAssets
$510.3MLoans
$592.5MDeposits
$63.8MEquity
Executive Summary
- Strongest standing: return on equity outperforms 99% of banks under $1B in assets operating regionally (rank 1 of 94).
- Widest gap: total risk-based capital ratio trails 71% of banks under $1B in assets operating regionally (rank 67 of 94).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
1.90%
Rank 5 of 94
Net Interest Margin
4.47%
Rank 12 of 94
Efficiency Ratio
52.80%
Rank 13 of 94
Equity / Assets
9.64%
Rank 62 of 94
Non-interest income vs. expense
Unfavorable gap of $13.8M · efficiency ratio beats 87% of banks under $1B in assets operating regionally | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.90% | 0.82% | 1.19% | 1.46% | Beats 95% | 5 / 94 | | |
| Return on Equity | 19.68% | 7.85% | 11.84% | 14.03% | Beats 99% | 1 / 94 | | |
| Net Interest Margin | 4.47% | 3.42% | 3.81% | 4.18% | Beats 87% | 12 / 94 | | |
| Efficiency Ratio | 52.80% | 55.99% | 62.41% | 73.02% | Beats 87% | 13 / 94 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.19% | 0.19% | 0.47% | 1.14% | Beats 73% | 26 / 94 | | |
| Net Charge-Offs / Loans | 0.02% | 0.00% | 0.02% | 0.05% | Beats 52% | 46 / 94 | | |
| Capital |
| Tier 1 Capital Ratio | 10.53% | 10.28% | 11.95% | 15.07% | Beats 31% | 65 / 94 | | |
| Total Risk-Based Capital Ratio | 10.53% | 10.31% | 12.59% | 15.88% | Beats 29% | 67 / 94 | | |
| Equity / Assets | 9.64% | 8.98% | 10.21% | 11.41% | Beats 34% | 62 / 94 | | |
| Liquidity & Funding |
| Loans / Deposits | 86.14% | 72.62% | 84.44% | 94.55% | 53rd pctl | 44 / 94 | | |
| Loans / Assets | 77.09% | 62.50% | 72.84% | 78.99% | 68th pctl | 30 / 94 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |