Ccb Community Bank (FDIC #16595): Bank Stress & Real-Estate Credit Exposure
Ccb Community Bank (FDIC Cert #16595): bank stress 45/100, moderate, STABLE over 7 days; parent SOUTHERN NATIONAL CORP.
Ccb Community Bank (#16595) lends in 3 counties across 2 states; Ccb Community Bank (#16595) reaches 37 ZIP codes: Florida 2 counties, 24 ZIPs; Alabama 1 county, 13 ZIPs.
Ccb Community Bank (#16595) largest markets: Okaloosa County, FL (28 branches, 14 ZIPs) (#16595), Covington County, AL (26 branches, 13 ZIPs) (#16595), Walton County, FL (13 branches, 13 ZIPs) (#16595).
Ccb Community Bank (#16595) reports $661.9 million in total assets; Ccb Community Bank (#16595) equity $63.8 million (9.6% of Ccb Community Bank (#16595) assets); Ccb Community Bank (#16595) domestic deposits $592.5 million; Ccb Community Bank (#16595) net income $7.8 million; Ccb Community Bank (#16595) return on assets 2.34%; Ccb Community Bank (#16595) return on equity 24.83%; Ccb Community Bank (#16595) net interest income $15.0 million; Ccb Community Bank (#16595) call report June 30, 2026.
Ccb Community Bank (#16595) noncurrent real-estate loans 0.01% of its book; Ccb Community Bank (#16595) residential -0.01%; Ccb Community Bank (#16595) net charge-offs on real estate 0.22%.
Ccb Community Bank (#16595) net interest margin 4.73% against an eight-quarter Ccb Community Bank (#16595) average of 4.48% (Ccb Community Bank (#16595) compression -0.25 points); Ccb Community Bank (#16595) real-estate loans 0.8% of equity; Ccb Community Bank (#16595) rate-exposure score 40/100, Ccb Community Bank (#16595) fixed-rate trap 40/100; Ccb Community Bank (#16595) risk type credit driven; Ccb Community Bank (#16595) rate regime rates elevated, Ccb Community Bank (#16595) snapshot October 19, 2026.
Ccb Community Bank (#16595) stress score moved from 51.3 on June 22, 2026 to 45.1 on October 19, 2026; Ccb Community Bank (#16595) ranged 45.1 to 51.3 over 116 snapshots.
Ccb Community Bank (#16595) alerts: 3 counties; top Ccb Community Bank (#16595) alert scores: Defuniak Springs County, AL 19 (low); Niceville County, AL 19 (low); Opp County, AL 19 (low).