Official record
CDFI Fund list, 21 Oct 2026| Institution type | Bank or thrift |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 13 Jan 2026 |
| RSSD ID | 655839 |
| Address | 225 E Three Notch St, Andalusia, AL 36420 Directions (Google Maps) |
| Website | Not given on the official list (listed as “Non given”) |
Head officeBranch or officeApproximate (ZIP code area)
Map data © OpenStreetMap contributors, © OpenMapTiles, tiles OpenFreeMap. Head-office points: U.S. Census Bureau geocoder.
Loans and eligibility
Not yet verifiedWe have not yet read this lender's website, so we can't list its loan products, sizes or service area. That doesn't mean it lacks them. The official list gives no website for this lender; contact it at the address above.
Questions to ask when you contact them
We have no details from their website yet, so these are the basics to ask any lender. Something missing here does not mean they don't offer it: ask.
- What kinds of loans do you make, and which one fits what I need?
We have no loan details from their website. - Do you lend where I live, or where my business is?
- What are the smallest and the largest loans you make?
- What interest rate and fees should I expect? For a personal, car or home loan, ask for the APR.
- What documents will you need from me, and how long does a decision usually take?
Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.
Branches and size
FDIC, 30 Jun 2026On file with the FDIC as CCB Community Bank (FDIC cert 16595). Source: FDIC BankFind Suite (public data): total assets from the Call Report as of 30 Jun 2026; office list as of 30 Oct 2026, downloaded 3 Nov 2026.
| Total assets | $661.9 million (as of 30 Jun 2026) |
|---|---|
| Offices | 5 in 2 states (as of 30 Oct 2026) |
Offices by state and county (5)
Alabama (2 offices)
- Covington County (2): 225 E Three Notch St, Andalusia 36420 (main office); 609 Florala Hwy, Opp 36467
Florida (3 offices)
- Okaloosa County (2): 1290 N Ferdon Blvd, Crestview 32536; 1502 John Sims Pkwy E, Niceville 32578
- Walton County (1): 732 Baldwin Ave, Defuniak Springs 32435
An office shows where the lender has a branch, not where it lends or whom it lends to.
What the regulator filing shows
Call Report, 30 Jun 2026Figures from the Call Report filed by CCB Community Bank (RSSD 655839, FDIC cert 16595). Source: FFIEC Central Data Repository, bulk Call Report data (public data), report date 30 Jun 2026; year-earlier figures from the 30 Jun 2025 report; downloaded 4 Nov 2026. Schedules RC-C Parts I and II, dollar amounts filed in thousands.
| Total loans and leases | $510.3 million (as of 30 Jun 2026, net of unearned income) |
|---|---|
| Change over the year | Up 2.3% from $499 million on 30 Jun 2025 |
| Total assets | $661.9 million (as of 30 Jun 2026) |
Loan mix (balances on 30 Jun 2026)
| Loan category | Balance | Share |
|---|---|---|
| Home mortgages (1-4 family, closed-end) | $111.6 million | 21.9% |
| Home equity lines of credit | $5.8 million | 1.1% |
| Commercial real estate, construction and multifamily | $221 million | 43.3% |
| Commercial and industrial (business) loans | $53.5 million | 10.5% |
| Farmland and farm production loans | $109.7 million | 21.5% |
| Consumer loans (credit cards, auto, other) | $7.6 million | 1.5% |
| All other loans and leases | $1.5 million | 0.3% |
Within consumer loans: auto loans $1.7 million, credit cards $619,000.
Small business loans (original amount $1 million or less, balances on 30 Jun 2026)
| Original loan amount | Secured by business property | Commercial and industrial |
|---|---|---|
| Up to $100,000 | 162 loans $7.7 million | 648 loans $14.9 million |
| $100,001 to $250,000 | 116 loans $14.8 million | 85 loans $7.6 million |
| $250,001 to $1 million | 105 loans $38.7 million | 57 loans $13.2 million |
| All small business loans | 383 loans $61.2 million | 790 loans $35.6 million |
Small farm loans (original amount $500,000 or less, balances on 30 Jun 2026)
| Original loan amount | Secured by farmland | Farm production |
|---|---|---|
| Up to $100,000 | 119 loans $3.6 million | 234 loans $5.6 million |
| $100,001 to $250,000 | 69 loans $8.2 million | 19 loans $2.1 million |
| $250,001 to $500,000 | 45 loans $10.1 million | 12 loans $1.8 million |
| All small farm loans | 233 loans $21.9 million | 265 loans $9.4 million |
Balances are loans outstanding on the report date, not loans made during the year, and they include loans the bank bought. Shares are of gross loans and leases. The change over the year includes loans gained through mergers or bought from others. A category with no balance does not mean the bank never makes that kind of loan; ask the bank.
Home loans reported under HMDA (2025)
FFIEC HMDA data, 2025CCB Community Bank reported 144 originated home loans for 2025 under the Home Mortgage Disclosure Act, totaling about $26M (median loan about $135,000). 74 were home-purchase loans.
By loan purpose
| Purpose | Loans | Share |
|---|---|---|
| Home purchase | 74 | 51% |
| Refinance (incl. cash-out) | 50 | 35% |
| Home improvement | 6 | 4.2% |
| Other purpose | 14 | 10% |
By loan type
| Loan type | Loans | Share |
|---|---|---|
| Conventional | 144 | 100% |
Included above: 14 loans on manufactured homes.
Where the loans were made
Counties with the most 2025 originations, out of 13 counties with at least one; 90% of its 2025 loans were for properties in Alabama:
- Covington County, AL (101)
- Coffee County, AL (15)
- Walton County, FL (7)
- Crenshaw County, AL (4)
- Okaloosa County, FL (4)
- Lee County, AL (3)
Filed under LEI 254900FG1PR8UNV77C36 as “CCB Community Bank”; matched by its RSSD ID on the CDFI Fund list, which the HMDA reporter panel links to this LEI.
Source: FFIEC Home Mortgage Disclosure Act (HMDA) data for 2025, snapshot frozen 2 Jun 2026, loan-level records read through the CFPB HMDA Data Browser API on 3 Nov 2026. Originated loans only; applications that were denied, withdrawn or not accepted are not counted. HMDA publishes each loan amount as the middle of a $10,000 band, so totals and medians are approximate. Counts under 3 are not shown. How we match lenders.
How it compares
Computed from public data| Measure | This lender | Compared with |
|---|---|---|
| Total assets (Call Report, 30 Jun 2026) | $661.9 million | Larger than 88% of the 26 other certified banks and bank holding companies in Alabama (median $229.8 million). |
| Loans as a share of assets | 77% | Median of the same 26 banks and bank holding companies: 54%. A higher share means more of its balance sheet is lent out. |
| Loans held, 30 Jun 2025 → 30 Jun 2026 | $499 million → $510.3 million (+2%) | Median change of 26 other certified banks and bank holding companies in Alabama: +6%. Rank by loans held among these 27: 3 → 3. |
| Home loans originated in 2025 (HMDA) | 144 | More than 58% of the 263 other certified CDFIs that reported 3 or more (119 at the median). Volume only; nothing here is an approval rate. |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| Call Report total assets | other certified banks and bank holding companies in Alabama | 26 | larger than 88% |
| Loans held then vs now | certified banks and bank holding companies in Alabama reporting both dates | 26 | rank 3 → 3 of 27 |
| HMDA home loans | certified CDFIs with 3+ originations in 2025, nationwide | 263 | more than 58% |
“Larger than X%” = the share of the peer group with a smaller value. Ranks count from the largest. Peer groups use the lender's home state when it has at least 5 peers, otherwise the whole country. Full definitions: methodology.
For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered. Peer groups and sources: methodology. Assets and loans: FFIEC and NCUA Call Reports (see the loan-mix section). Home loans: FFIEC/CFPB HMDA data.
SBA loans approved
SBA data as of 30 Sep 2026The SBA's public loan data lists 2 SBA-backed approvals for CCB Community Bank in fiscal years 2020–2026 (October 2019 to September 2026):
- 2 504 projects as the third-party (first-lien) lender
By fiscal year: FY2020 1 · FY2021 0 · FY2022 0 · FY2023 0 · FY2024 0 · FY2025 0 · FY2026 1.
By program
- 504 projects (as the third-party lender) (2, 100%)
How this lender was matched in the SBA files: 504 third-party lender name: same name, state and city (SBA lists “CCB Community Bank”).
Approved is not the same as paid out: an approved loan can be reduced or never drawn. SBA lists the lender each loan is currently assigned to, which can differ after a merger or loan sale. CCB Community Bank may also make loans outside SBA programs, which are not counted here, and SBA Microloans are not in these files. For 504 projects, the CDC amount is the SBA-backed portion and the third-party lender amount is that lender's own first-lien loan.
Source: U.S. Small Business Administration, 7(a) & 504 FOIA loan data, files as of 30 Sep 2026, downloaded 3 Nov 2026. Our counts, cancelled approvals left out. How we match lenders.
Other certified CDFIs in Andalusia and Alabama
- Southern National CorporationBank holding company · Andalusia, ALOfficial list only
- AOD Federal Credit UnionCredit union · Bynum, ALAgriculture / farm loans, Auto / vehicle loans, Home mortgages, Personal / consumer loans…Verified
- Bank of VernonBank or thrift · Vernon, ALAuto / vehicle loans, Small-dollar / emergency loans, Equipment loans, Home mortgages…Verified
- CNB Bancorp Inc.Bank holding company · Mobile, ALCommercial real estate loans, Equipment loans, Home mortgages, Personal / consumer loans…Verified
- Commercial Bancshares of Ozark, Inc.Bank holding company · Ozark, ALAuto / vehicle loans, Commercial real estate loans, Equipment loans, Home mortgages…Verified
- Commercial Bank of Ozark, TheBank or thrift · Ozark, ALAuto / vehicle loans, Commercial real estate loans, Equipment loans, Home mortgages…Verified
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