BlastPoint's Banking Scorecard
CCB Community Bank
Community
Specialty: Commercial
AL
FDIC cert 16595
Andalusia, AL
1484
banks in Community tier nationally
26 in AL
View Community leaderboard (AL) →
CCB Community Bank has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 16% in Community
- + Deposit Franchise: Top 68% in Community
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 13% in Community
- - Credit Risk Growth: Bottom 16% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$663.2M
-0.2% YoY
-1.5% QoQ
|
-$728.2M |
$1.4B
+2.0% YoY
|
$2.4B
+1.3% YoY
|
$5.9B
+6.5% YoY
|
23% |
| Total Loans ? |
$497.5M
+2.0% YoY
+0.8% QoQ
|
-$477.9M |
$975.5M
+2.4% YoY
|
$1.5B
-0.1% YoY
|
$3.1B
+8.5% YoY
|
31% |
| Total Deposits ? |
$596.2M
-0.1% YoY
-1.5% QoQ
|
-$568.4M |
$1.2B
+1.7% YoY
|
$2.0B
+1.3% YoY
|
$4.7B
+6.3% YoY
|
27% |
| Return on Assets ? |
2.27%
+16.0% YoY
+2.6% QoQ
|
+1.11% |
1.16%
+17.2% YoY
|
1.11%
+4.4% YoY
|
1.12%
+15.6% YoY
|
Top 5% in tier |
| Net Interest Margin ? |
4.59%
+7.3% YoY
+1.3% QoQ
|
+0.92% |
3.66%
+9.1% YoY
|
3.94%
+3.2% YoY
|
3.75%
+7.1% YoY
|
Top 11% in tier |
| Efficiency Ratio ? |
51.81%
-2.8% YoY
-0.0% QoQ
|
-10.82% |
62.63%
-5.3% YoY
|
64.78%
-3.4% YoY
|
65.09%
-5.1% YoY
|
81% |
| Delinquency Rate ? |
0.28%
+479.8% QoQ
|
-0.35% |
0.63%
+18.3% YoY
|
0.66%
-12.1% YoY
|
0.66%
+20.3% YoY
|
63% |
| Loan-to-Deposit Ratio ? |
83.45%
+2.2% YoY
+2.4% QoQ
|
+0.39% |
83.06%
+0.3% YoY
|
68.23%
+2.7% YoY
|
78.04%
+0.7% YoY
|
54% |
| Non-Interest-Bearing Deposit Share ? |
30.41%
+9.7% YoY
-0.5% QoQ
|
+9.36% |
21.05%
-0.9% YoY
|
24.36%
+3.3% YoY
|
21.79%
-1.3% YoY
|
85% |
| Nonperforming Asset Ratio ? |
0.21%
+493.5% QoQ
|
-0.29% |
0.50%
+20.3% YoY
|
0.53%
+14.0% YoY
|
0.48%
+20.8% YoY
|
64% |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
6.46%
-12.3% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.66%
+10.4% YoY
+35.0% QoQ
|
-0.08% |
0.74%
-1.3% YoY
|
0.77%
+11.5% YoY
|
0.65%
+0.6% YoY
|
66% |
Signature Analysis
Strengths (2)
Profitability Leader
growth
#60 of 371 · Top 16% in Community
Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Why this signature
Return on Assets:
2.27%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
444 nationally
→ Stable
+5 banks QoQ
|
QoQ rank improving
Deposit Franchise
growth
#102 of 150 · Top 68% in Community
Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.
Why this signature
Noninterest-Bearing Deposit Share:
30.41%
(Tier: 21.05%, National: 21.79%)
Net Interest Margin:
4.59%
(Tier: 3.66%, National: 3.75%)
150 of 150 Community banks match
·
176 nationally
→ Stable
+2 banks QoQ
|
QoQ rank improving
Concerns (2)
Capital Thin
risk
#58 of 432 · Bottom 13% in Community
Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Why this signature
Tier 1 Risk-Based Capital Ratio:
0.00%
(Tier: 10.24%, National: 9.75%)
432 of 432 Community banks match
·
505 nationally
→ Stable
+11 banks QoQ
|
QoQ rank declining
Credit Risk Growth
risk
#106 of 642 · Bottom 16% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 banks QoQ
|
QoQ rank declining
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
95
95th pctile
Return on Assets
Current: 2.27% · Tier avg: 1.16%
89
89th pctile
Net Interest Margin
Current: 4.59% · Tier avg: 3.66%
85
85th pctile
Non-Interest-Bearing Deposit Share
Current: 30.41% · Tier avg: 21.05%
81
81th pctile
Efficiency Ratio
Current: 51.81% · Tier avg: 62.63%
66
66th pctile
Non-Interest Income / Assets
Current: 0.66% · Tier avg: 0.74%
64
64th pctile
Nonperforming Asset Ratio
Current: 0.21% · Tier avg: 0.50%
63
63th pctile
Delinquency Rate
Current: 0.28% · Tier avg: 0.63%
54
54th pctile
Loan-to-Deposit Ratio
Current: 83.45% · Tier avg: 83.06%
31
31th pctile
Total Loans
Current: $497.5M · Tier avg: $975.5M
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
27
27th pctile
Total Deposits
Current: $596.2M · Tier avg: $1.2B
23
23th pctile
Total Assets
Current: $663.2M · Tier avg: $1.4B
Top Weaknesses
23
23th pctile
Total Assets
Current: $663.2M · Tier avg: $1.4B
27
27th pctile
Total Deposits
Current: $596.2M · Tier avg: $1.2B
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
31
31th pctile
Total Loans
Current: $497.5M · Tier avg: $975.5M
54
54th pctile
Loan-to-Deposit Ratio
Current: 83.45% · Tier avg: 83.06%
63
63th pctile
Delinquency Rate
Current: 0.28% · Tier avg: 0.63%
64
64th pctile
Nonperforming Asset Ratio
Current: 0.21% · Tier avg: 0.50%
66
66th pctile
Non-Interest Income / Assets
Current: 0.66% · Tier avg: 0.74%
81
81th pctile
Efficiency Ratio
Current: 51.81% · Tier avg: 62.63%
85
85th pctile
Non-Interest-Bearing Deposit Share
Current: 30.41% · Tier avg: 21.05%
89
89th pctile
Net Interest Margin
Current: 4.59% · Tier avg: 3.66%
95
95th pctile
Return on Assets
Current: 2.27% · Tier avg: 1.16%