# CCB COMMUNITY BANK
ANDALUSIA, AL · FDIC certificate 16595 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *fortress*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $661.9M | |
| Deposits | $592.5M | |
| Loans and leases | $510.3M | |
| Total equity | $63.8M | |
| Loans / deposits | 85.06% (p59 of band) | 82.04% |
| Liquid assets / assets | 20.53% (p34 of band) | |
| Uninsured deposits / deposits | 25.20% (p47 of band) | 25.97% |
| Brokered deposits | 0.15% | |
| Wholesale funding | 0.15% (p26 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.53% (p46 of band) | 10.81% |
| Unrealized securities loss / equity | -10.80% (p41 of band) | -8.10% |
| AOCI / equity | -0.29% (p53 of band) | |
| ROA (annualized) | 2.34% (p93 of band) | 1.28% |
| Net interest margin | 4.73% (p89 of band) | 3.91% |
| Efficiency ratio | 52.80% (p24 of band) | |
| Noncurrent loans | 0.19% (p32 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p47 of band) | |
| Reserve coverage of noncurrent | 651.43% | |
| Real estate % of loans | 85% | |
| Construction % of loans | 76.59% (p76 of band) | |
| Auto loans | $1.7M (0.34% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | -1.1% | |
| Employees | 117 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 2 | loans exceed deposits |  |
| 2011-12 | 0 |  | reserve under noncurrent, loans exceed deposits |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 2 | loans exceed deposits, capital falling |  |
| 2013-03 | 1 | charge-offs p90 | loans exceed deposits, capital falling |
| 2013-06 | 2 | loans exceed deposits |  |
| 2013-09 | 1 |  | charge-offs p90 |
| 2013-12 | 2 | charge-offs p90 |  |
| 2014-03 | 0 |  | loans exceed deposits, charge-offs p90 |
| 2014-06 | 0 |  |  |
| 2014-09 | 2 | loans exceed deposits, uninsured deposits leaving |  |
| 2014-12 | 1 |  | uninsured deposits leaving |
| 2015-03 | 1 | capital falling | loans exceed deposits |
| 2015-06 | 3 | charge-offs p90, uninsured deposits leaving |  |
| 2015-09 | 2 | loans exceed deposits, wholesale funding >15% | capital falling, charge-offs p90, uninsured deposits leaving |
| 2015-12 | 2 |  |  |
| 2016-03 | 3 | capital falling |  |
| 2016-06 | 2 |  | capital falling |
| 2016-09 | 2 |  |  |
| 2016-12 | 1 |  | wholesale funding >15% |
| 2017-03 | 0 |  | loans exceed deposits |
| 2017-06 | 1 | loans exceed deposits |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 | capital falling | loans exceed deposits |
| 2018-03 | 0 |  | capital falling |
| 2018-06 | 1 | loans exceed deposits |  |
| 2018-09 | 0 |  | loans exceed deposits |
| 2018-12 | 1 | charge-offs p90 |  |
| 2019-03 | 0 |  | charge-offs p90 |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 1 | loans exceed deposits |  |
| 2020-03 | 0 |  | loans exceed deposits |
| 2020-06 | 1 | capital falling |  |
| 2020-09 | 0 |  | capital falling |
| 2020-12 | 0 |  |  |
| 2021-03 | 0 |  |  |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 1 | AOCI drag >20% of equity |  |
| 2022-09 | 2 | construction >100% equity |  |
| 2022-12 | 1 | charge-offs p90 | AOCI drag >20% of equity, construction >100% equity |
| 2023-03 | 0 |  | charge-offs p90 |
| 2023-06 | 0 |  |  |
| 2023-09 | 1 | construction >100% equity |  |
| 2023-12 | 1 | capital falling | construction >100% equity |
| 2024-03 | 0 |  | capital falling |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-09-01 [CCB and Samson merger announced - The Andalusia Star-News](https://news.google.com/rss/articles/CBMihgFBVV95cUxPWDhkc2VZbGF3cXkwRWo5MDlISVRoMjBJLWZJZUtmTzhyWWxMRjhmWlNuUUVaWkE4Q0d3SkJGalVSLUl6cGwtcUx1cGN3R3ZMNFM3dW9uelE1ZmdqaER1YkE3NkRsZDc2V2tnY1dKZ3QteVJmX2sxWW5qX3ozWElCRU84N3ZFUQ?oc=5) · The Andalusia Star-News
- 2021-02-22 [CCB Community Bank (AL) Review | Review, Fees, Offerings - SmartAsset](https://news.google.com/rss/articles/CBMihgFBVV95cUxNX3pLYW96RzZwampSSXRGc1ZaOVp2YWtrZ0MyQUN6TUtBU3V0UjNURGxadUFfSDVTOGZZLTV0NEVJbGJnODBlT2xrQ091bmV2NXpWS3J5N19NajhDUUxta09JenR0RVdQa05JUTJCNlg1Tno4a1haOHBWYmxQREVyMmFGLXRJZw?oc=5) · SmartAsset
- 2018-09-01 [Community Banks – Alabama’s Top Performing Community Banks - Business Alabama Magazine](https://news.google.com/rss/articles/CBMid0FVX3lxTE5oeGFjWFFaNldzejJERVlMNzk4dFE4LUc0YVJqVmc5YW1jVnJKZldETFlLUktNcGZybkFUOUlXV3F4dUlCT2FkZldHa1dQaUZ5UXFPeXZ3aGQ0Z2swbFp2QlJyMFJkMEJBUndOLTdJaXQwRXA2bXBz?oc=5) · Business Alabama Magazine
- 2022-04-29 ['BBQ with Bankers' brings together students and Alabama Bankers Association members from local banks for networking and tips - Troy University](https://news.google.com/rss/articles/CBMiV0FVX3lxTE5iQ19JcVVBdDZJaXpGcVhOMjM4RklxeU1MYTN6cDNwRVRrSDYwOFVMOFljblVNMlE4NU1OMHRGUzMtUDh6WHVvS2xnbUFzVkp3Xzlzd0dpQQ?oc=5) · Troy University
- 2023-07-22 [CCB announces promotions for six within company - The Andalusia Star-News](https://news.google.com/rss/articles/CBMimAFBVV95cUxNVVg0VGk3S3podjRjNnNIUnNQSXhvV1pDZUZyNHFXMjh3b0JQMmxzYzNiU2MyRndzVHBGS1FEYTlveXcwZHFPYk5QdkJjTjJVa3FPSXE0T0NqaDNHVHBTTlZBTHVEOGRXX0RBOFg3RnhiUndsN3dLcktjVXBaSV8zVHVQSFdqZXlIcGo4SFllRWtRRV9MXzhScg?oc=5) · The Andalusia Star-News
- 2024-05-01 [CCB Community Bank expands operations to former BB&T locatio... - The Andalusia Star-News](https://news.google.com/rss/articles/CBMiqgFBVV95cUxQR1dyanVodTNBbHNuc2JvNXVCd3dKRm9jakVZb0tVTGViTEF6aGpRSGJtamtUSzk0dGxJZnB4M3ZIVjlyZWZmdmFfS1BMTzA5VWE2bTRiOXRIeFNjczA4ZjdBUVVfcXlRcnZfcldZNXVBcTkweElHQ1IzZlNHeWxLNG9sMEk1dmNHSWQ1X2hQY0tmOS1qNjVoRWh3SWYzMTh1UUpWUXpWbmpOUQ?oc=5) · The Andalusia Star-News
- 2025-07-26 [Mellown returns home to take on new role with CCB Community Bank - The Andalusia Star-News](https://news.google.com/rss/articles/CBMirwFBVV95cUxORWFtUWdqdlRidXJaeFZJb1RGMHV1M2VPc2xNX21GS1FiUTJNeWNDQ0ZyamI0cGJ0aGgxOTJ4R19CckgwNDRfU3ZPRUVmN1dud21LN2loeENVeTk4c3BvTUx2bWNrbkRJVkQ2X2xfeXpjamlZX2tGYno0QlQzbkdKbDd4U1NmSmhPcVlMNms5Nl9HYVdCRlVpc0hCb2pxVUZJUVpEM0dwVDJSeGVCNjRj?oc=5) · The Andalusia Star-News
- 2022-07-02 [CCB Community Bank celebrates 75 years of service to communi... - The Andalusia Star-News](https://news.google.com/rss/articles/CBMirAFBVV95cUxPMUVIam5NRXBQa1UtX2hnYXZabWRjSjMwVFlDcS1OaEpBbEZINmdmb2NDd01ha1FrU0Z5UE8wNFNibHBxQUEzRmJDR0hsWHkyMm1falpZNm83RXltWS16cHF3VWFyeTFMVWIxTUhERU85eHFVNlpBeFZCeHZwQllWd3MzUi1ReDZVazVRNm85czJ2ZE12QTNYNVVvSUxCb1dFYWdjWXJSR2lUbXUz?oc=5) · The Andalusia Star-News

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=16595 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/19.json (key "16595", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide