BlastPoint's Banking Scorecard

CCB Community Bank

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

Andalusia, AL

5 branches across FL · AL

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 63 in AL.
Deposits -1.2% year over year ($592.5M on the books).
Delinquency rate 0.19%.
Return on assets 2.34%.
Efficiency ratio 52.80% vs a 64.48% peer average.
Loan-to-deposit ratio 85.06% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 63 in AL

View $100M-$1B leaderboard (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

+ Profitability Leader: Top 32.8% in tier
+ Revenue Diversifier: Top 38.1% in tier
+ Net Interest Margin 0.75% above tier average
+ Efficiency Ratio 11.68% below tier average
+ Delinquency Rate 0.72% below tier average

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 9.0% in tier
- Capital Thin: Bottom 16.6% in tier
- Credit Quality Pressure: Bottom 26.7% in tier

Get updates when CCB Community Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (AL)	National Avg	Tier Percentile
Total Assets ?	$661.9M -0.5% YoY -0.7% QoQ	+$275.4M	$386.6M +1.2% YoY	$2.5B +1.5% YoY	$6.3B +7.7% YoY	Top 14.7% in tier
Total Loans ?	$504.0M +2.3% YoY -0.8% QoQ	+$245.6M	$258.3M +1.7% YoY	$1.6B +2.8% YoY	$3.2B +9.4% YoY	Top 11.0% in tier
Total Deposits ?	$592.5M -1.2% YoY -1.1% QoQ	+$265.7M	$326.7M +0.7% YoY	$2.1B +0.3% YoY	$4.9B +7.3% YoY	Top 12.7% in tier
Return on Assets ?	2.34% +8.3% YoY +15.5% QoQ	+1.01%	1.32% +10.8% YoY	0.89% -13.0% YoY	1.30% +12.1% YoY	Top 6.6% in tier
Net Interest Margin ?	4.73% +5.6% YoY +1.8% QoQ	+0.75%	3.99% +5.0% YoY	4.02% +3.4% YoY	3.95% +4.9% YoY	Top 13.4% in tier
Efficiency Ratio ?	52.80% +0.6% YoY -7.8% QoQ	-11.68%	64.48% -3.2% YoY	69.53% +4.0% YoY	70.05% +2.5% YoY	77%
Delinquency Rate ?	0.19% +835.1% YoY +69.1% QoQ	-0.72%	0.92% +15.7% YoY	1.13% +25.5% YoY	0.98% +16.3% YoY	66%
Loan-to-Deposit Ratio ?	85.06% +3.5% YoY +0.3% QoQ	+7.11%	77.95% +1.0% YoY	67.62% +0.9% YoY	79.03% +2.3% YoY	38%
Non-Interest-Bearing Deposit Share ?	30.41% +1.9% YoY -1.4% QoQ	+8.38%	22.03% -0.6% YoY	24.04% +0.1% YoY	21.98% -0.6% YoY	83%
Nonperforming Asset Ratio ?	0.17% +849.8% YoY +85.6% QoQ	-0.50%	0.67% +16.4% YoY	0.74% +25.2% YoY	0.69% +15.8% YoY	64%
Tier 1 Capital Ratio ?	10.53% +2.6% YoY +2.7% QoQ	-5.38%	15.91% +1.4% YoY	15.01% +1.3% YoY	17.09% +0.8% YoY	17%
Non-Interest Income / Assets ?	0.33% +0.2% YoY +110.2% QoQ	-0.24%	0.57% +7.6% YoY	0.35% -14.4% YoY	0.66% +5.2% YoY	77%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (AL)	National Avg	Tier Percentile
Noninterest-Bearing	30.4% +0.6pp YoY -0.4pp QoQ	+8.3pp	22.1%	24.0%	22.2%	83%
Brokered Deposits	0.2% 0.0pp YoY 0.0pp QoQ	-7.7pp	7.9%	5.5%	8.5%	7%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (AL)	National Avg	Tier Percentile
C&I	10.6% +0.2pp YoY -2.2pp QoQ	-0.9pp	11.6%	16.9%	12.5%	56%
CRE	43.8% +4.4pp YoY +2.7pp QoQ	+4.3pp	39.5%	43.5%	41.4%	60%
1-4 Family	23.3% -0.5pp YoY +0.1pp QoQ	-9.3pp	32.6%	30.6%	31.3%	37%
Consumer	1.5% -0.3pp YoY 0.0pp QoQ	-2.6pp	4.1%	5.7%	5.0%	40%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (AL)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	18.8%	15.1%	19.7%	n/a
Leverage Ratio	10.5% +0.3pp YoY +0.3pp QoQ	-1.6pp	12.2%	13.2%	12.6%	42%
Total Capital Ratio	n/a	n/a	19.9%	16.2%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (AL)	National Avg	Tier Percentile
Full-Time Employees	117 +2 (+1.7%) YoY +3 (+2.6%) QoQ	+58	58	304	482	92%
Assets per Employee ($)	$5.7M -2.2% YoY -3.3% QoQ	-$1.9M	$7.5M	$6.9M	$8.8M	26%
Branch Count	5 0 YoY 0 QoQ	0	4	20	18	55%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (AL)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.3%	0.2%	0.4%	n/a
Nonaccrual	0.2% +0.1pp QoQ	-0.7pp	0.9%	1.2%	1.0%	29%
Allowance Coverage	6.51x -89.7% YoY -40.6% QoQ	-17.64x	24.15x	7.50x	20.23x	75%
Net Charge-off Rate (YTD)	0.0% 0.0pp YoY 0.0pp QoQ	-0.1pp	0.1%	0.3%	0.2%	39%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (AL)	National Avg	Tier Percentile
ROE	24.8% -0.1pp YoY +3.1pp QoQ	+12.6pp	12.2%	10.0%	11.6%	96%
Cost of Funds (YTD)	1.5% -0.2pp YoY 0.0pp QoQ	-0.2pp	1.7%	1.7%	1.7%	36%
Net Income ($, YTD)	$7.8M +7.8% YoY — QoQ	+$5.2M	$2.6M	$17.2M	$40.4M	97%

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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 (2)

Profitability Leader

growth

#218 of 661 • Top 32.8% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature

Return on Assets: 2.34%

(Tier: 1.32%, National: 1.30%)

better than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable | QoQ rank improving

Revenue Diversifier

growth

#253 of 661 • Top 38.1% 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: 0.33%

(Tier: 0.57%, National: 0.66%)

but worse than tier avg

Return on Assets: 2.34%

(Tier: 1.32%, National: 1.30%)

better than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable | QoQ rank improving

Concerns (3)

Credit Risk Growth

risk

#85 of 936 • Bottom 9.0% in tier

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

936 of 936 Community banks match · 1401 nationally

→ Stable -58 banks QoQ | QoQ rank declining

Capital Thin

risk

#111 of 661 • Bottom 16.6% 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: 10.53%

(Tier: 15.91%, National: 17.09%)

worse than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable | QoQ rank declining

Credit Quality Pressure

risk

#336 of 1256 • Bottom 26.7% in tier

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

Why this signature

Delinquency Rate: 0.19%

(Tier: 0.92%, National: 0.98%)

better than tier avg

1256 of 1256 Community banks match · 1820 nationally

→ Stable -71 banks QoQ | QoQ rank declining

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 2643 peers in $100M-$1B

Top Strengths (8 metrics)

176

Return on Assets

profitability

Value: 2.34%

Peer Median: 1.32%

#176 of 2643 Top 6.6% in $100M-$1B

293

Total Loans

size

Value: $503.96M

Peer Median: $258.35M

#293 of 2643 Top 11.0% in $100M-$1B

337

Total Deposits

size

Value: $592.45M

Peer Median: $326.73M

#337 of 2643 Top 12.7% in $100M-$1B

355

Net Interest Margin

profitability

Value: 4.73%

Peer Median: 3.99%

#355 of 2643 Top 13.4% in $100M-$1B

389

Total Assets

size

Value: $661.94M

Peer Median: $386.57M

#389 of 2643 Top 14.7% in $100M-$1B

447

Non-Interest-Bearing Deposit Share

funding

Value: 30.41%

Peer Median: 22.03%

#447 of 2643 Top 16.9% in $100M-$1B

598

Efficiency Ratio

profitability

Value: 52.80%

Peer Median: 64.48%

#598 of 2643 Top 22.6% in $100M-$1B

612

Non-Interest Income / Assets

revenue_mix

Value: 0.33%

Peer Median: 0.57%

#612 of 2643 Top 23.1% in $100M-$1B

Top Weaknesses (1 metrics)

2192

Tier 1 Capital Ratio

capital

Value: 10.53%

Peer Median: 15.91%

#2192 of 2643 Bottom 17.1% in $100M-$1B