BlastPoint's Banking Scorecard

CCB Community Bank

$100M-$1B Specialty: Commercial AL FDIC cert 16595

Andalusia, AL

5 branches across FL · AL

2664 banks in the $100M-$1B peer group nationally 64 in AL

CCB Community Bank has 5 strengths but faces 3 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Revenue Diversifier: Top 47.0% in tier
+ ROA 0.75% above tier average
+ Net Interest Margin 0.72% above tier average
+ Efficiency Ratio 8.04% below tier average
+ Delinquency Rate 0.77% below tier average

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 5.8% in tier
- Capital Thin: Bottom 10.1% in tier
- Credit Quality Pressure: Bottom 18.2% in tier

Get updates when CCB Community Bank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (AL)	National Avg	Tier Percentile
Total Assets ?	$666.7M -0.8% YoY +0.5% QoQ	+$280.6M	$386.1M +0.5% YoY	$2.5B +0.2% YoY	$6.2B +9.1% YoY	Top 14.3% in tier
Total Loans ?	$508.2M +2.3% YoY +2.1% QoQ	+$252.5M	$255.7M +1.1% YoY	$1.5B +2.4% YoY	$3.2B +10.8% YoY	Top 10.2% in tier
Total Deposits ?	$599.0M -1.3% YoY +0.5% QoQ	+$271.0M	$328.0M +0.1% YoY	$2.1B -0.2% YoY	$4.8B +8.2% YoY	Top 12.5% in tier
Return on Assets ?	2.02% +0.3% YoY -10.9% QoQ	+0.75%	1.27% +12.9% YoY	0.78% -19.5% YoY	1.23% +13.4% YoY	Top 11.9% in tier
Net Interest Margin ?	4.65% +6.4% YoY +1.4% QoQ	+0.72%	3.93% +6.0% YoY	3.99% +5.2% YoY	3.89% +5.7% YoY	Top 14.3% in tier
Efficiency Ratio ?	57.25% +7.0% YoY +10.5% QoQ	-8.04%	65.29% -4.5% YoY	72.13% +5.1% YoY	66.95% -4.1% YoY	68%
Delinquency Rate ?	0.11% -58.5% QoQ	-0.77%	0.89% +18.8% YoY	1.09% +24.8% YoY	0.95% +18.8% YoY	72%
Loan-to-Deposit Ratio ?	84.84% +3.7% YoY +1.7% QoQ	+8.21%	76.64% +0.8% YoY	67.08% +2.0% YoY	76.70% +0.9% YoY	35%
Non-Interest-Bearing Deposit Share ?	30.85% +5.4% YoY +1.5% QoQ	+8.83%	22.02% -1.0% YoY	23.89% +0.0% YoY	22.01% -1.2% YoY	84%
Nonperforming Asset Ratio ?	0.09% -56.6% QoQ	-0.55%	0.64% +19.7% YoY	0.71% +24.8% YoY	0.67% +19.3% YoY	71%
Tier 1 Capital Ratio ?	10.25% +3.4% YoY +0.7% QoQ	-5.58%	15.83% +1.5% YoY	16.96% +13.8% YoY	17.06% +0.8% YoY	Bottom 13.0% in tier
Non-Interest Income / Assets ?	0.16% +5.1% YoY -76.0% QoQ	-0.12%	0.28% +9.3% YoY	0.16% -16.3% YoY	0.32% +4.1% YoY	76%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Revenue Diversifier

growth

#314 of 666 • Top 47.0% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature

Noninterest Income / Assets: 0.16%

(Tier: 0.28%, National: 0.32%)

but worse than tier avg

Return on Assets: 2.02%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank declining

Concerns (3)

Credit Risk Growth

risk

#57 of 973 • Bottom 5.8% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

973 of 973 Community banks match · 1464 nationally

→ Stable -10 banks QoQ | QoQ rank improving

Capital Thin

risk

#68 of 666 • Bottom 10.1% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature

Tier 1 Capital Ratio: 10.25%

(Tier: 15.83%, National: 17.06%)

worse than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

Credit Quality Pressure

risk

#239 of 1308 • Bottom 18.2% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.11%

(Tier: 0.89%, National: 0.95%)

better than tier avg

1308 of 1308 Community banks match · 1899 nationally

→ Stable +2 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (7 metrics)

273

Total Loans

size

Value: $508.21M

Peer Median: $255.72M

#273 of 2664 Top 10.2% in $100M-$1B

317

Return on Assets

profitability

Value: 2.02%

Peer Median: 1.27%

#317 of 2664 Top 11.9% in $100M-$1B

333

Total Deposits

size

Value: $598.99M

Peer Median: $327.97M

#333 of 2664 Top 12.5% in $100M-$1B

381

Net Interest Margin

profitability

Value: 4.65%

Peer Median: 3.93%

#381 of 2664 Top 14.3% in $100M-$1B

382

Total Assets

size

Value: $666.65M

Peer Median: $386.08M

#382 of 2664 Top 14.3% in $100M-$1B

429

Non-Interest-Bearing Deposit Share

funding

Value: 30.85%

Peer Median: 22.02%

#429 of 2664 Top 16.1% in $100M-$1B

641

Non-Interest Income / Assets

revenue_mix

Value: 0.16%

Peer Median: 0.28%

#641 of 2664 Top 24.0% in $100M-$1B

Top Weaknesses (1 metrics)

2318

Tier 1 Capital Ratio

capital

Value: 10.25%

Peer Median: 15.83%

#2318 of 2664 Bottom 13.0% in $100M-$1B