Standards in Place

A Team Together—CCB Community Bank’s management team(back row, from left): Michael Andrews, executive vice president of lending; William Mellown, president; and Debbie Grissett Sr., vice president of operations. Front row (from left): Wendy Butler, chief financial officer, and Tom Lane, CEO.

A Team Together—CCB Community Bank’s management team(back row, from left): Michael Andrews, executive vice president of lending; William Mellown, president; and Debbie Grissett Sr., vice president of operations. Front row (from left): Wendy Butler, chief financial officer, and Tom Lane, CEO.

CCB Community Bank
Andalusia, Ala.
ROAA in 2015: 1.90 percent
ROAE in 2015: 17.681 percent
Assets: $446 million
Retail locations: Four
Employees: 116
Founded: 1947
Website: www.bankccb.com

By Tom Lane

CCB Community Bank has always strived to be progressive and prosperous in order to be able to reinvest in our communities.

One of the ways we do that is to make sure we have a great management team of bankers who are fully trained and full of common sense.

That investment in people has contributed to our strong performance. Our interest spread is more than 5 percent, which is not an easy chore when your business is spread over four cities. Also, our loan-to-deposit ratio runs over 100 percent, contributing to our bottom line.

In the past 10 years, we’ve expanded into two new markets in Florida, for a total of four retail offices. One of the standards we have in place is that we don’t go into a new market unless we are certain we have a banker ready to lead our local efforts.

One of the things that sets us apart from our competitors is the number of community activities our employees participate in. In two of our communities, the current Chamber of Commerce presidents are members of our management team. Civic groups do a lot for the local quality of life, and we feel we have an obligation to be a part of that. It’s another way we invest in our communities.

Most banks are about the same. What success really boils down to is the way we treat our customers and the level of service we provide. Our bankers are both customer-oriented and goal-oriented, and it has worked out well for us.
We are proud of our long and rich history of being part of our local communities. Our commitment to the financial success of our clients, our history of service, sound management and committed employees have been the backbone of our bank’s growth and success.


Tom Lane is CEO of CCB Community Bank.

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