CCB Community Bank: how it compares with its peers
Against 34 AL banks with half to twice its assets, CCB Community Bank's strongest measure in Q2 2026 is return on assets (2.34% vs. a 1.18% peer median). Its weakest relative measure is assets per employee ($5.7M vs. $7.0M).
| Measure | CCB Community Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 2.34% | 1.18% | Top third Ahead of 91% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.73% | 3.81% | Top third Ahead of 85% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 52.80% | 58.56% | Middle third Ahead of 65% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.7M | $7.0M | Bottom third Ahead of 9% of peers |
| Loans to deposits Net loans and leases over total deposits. | 85.06% | 68.51% | Context |
What it means for lending operations
Its efficiency ratio of 52.80% is better than the 58.56% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- The Hometown Bank of Alabama Oneonta, AL · $661M
- First Southern Bank Florence, AL · $679M
- First Community Bank of Central Alabama Wetumpka, AL · $694M
- Merit Bank Huntsville, AL · $582M
- MidSouth Bank Dothan, AL · $771M
- EvaBank Eva, AL · $491M
Questions about CCB Community Bank
How big is CCB Community Bank?
CCB Community Bank, established in 1947, is headquartered in Andalusia, AL. It reported $662M in total assets in its Q2 2026 FDIC call report and operates 5 offices.
What is CCB Community Bank's return on assets?
2.34% annualized in Q2 2026, against a 1.18% median for 34 AL banks with half to twice its assets, ahead of 91% of them.
What is CCB Community Bank's efficiency ratio?
52.80% in Q2 2026: it spent about 53 cents in noninterest expense for each dollar of revenue. The peer median is 58.56%, and lower is better.
Is CCB Community Bank growing its loans?
Net loans grew 2.3% over the year to Q2 2026, while deposits shrank 1.2%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are AL banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Alabama bank ranked.