
	June 30, 2025								December 31, 2024
	Community Bank		CCBX		Treasury & Administration		Consolidated		Community Bank		CCBX		Treasury & Administration		Consolidated
Assets	(dollars in thousands; unaudited)
Cash and Due from Banks	$	5,229	$	7	$	714,523	$	719,759	$	4,510	$	10,894	$	437,109	$	452,513
Intrabank assets	—		600,724		(600,724)		—		—		411,768		(411,768)		—
Securities	—		—		45,577		45,577		—		—		47,321		47,321
Loans held for sale	—		60,474		—		60,474		—		20,600		—		20,600
Total loans receivable	1,860,050		1,680,280		—		3,540,330		1,882,988		1,603,577		—		3,486,565
Allowance for credit losses	(18,936)		(145,858)		—		(164,794)		(18,924)		(158,070)		—		(176,994)
All other assets	28,667		203,653		46,893		279,213		28,272		211,039		51,892		291,203
Total assets	$	1,875,010	$	2,399,280	$	206,269	$	4,480,559	$	1,896,846	$	2,099,808	$	124,554	$	4,121,208
Liabilities
Total deposits	$	1,553,428	$	2,360,143	$	—	$	3,913,571	$	1,521,244	$	2,064,088	$	—	$	3,585,332
Total borrowings	—		—		47,960		47,960		—		—		47,884		47,884
Intrabank liabilities	315,746		—		(315,746)		—		367,540		—		(367,540)		—
All other liabilities	5,836		39,137		12,346		57,319		8,062		35,720		5,506		49,288
Total liabilities	$	1,875,010	$	2,399,280	$	(255,440)	$	4,018,850	$	1,896,846	$	2,099,808	$	(314,150)	$	3,682,504


	Three months ended June 30, 2025								Three months ended June 30, 2024
	Community Bank		CCBX		Treasury & Administration		Consolidated		Community Bank		CCBX		Treasury & Administration		Consolidated
	(dollars in thousands; unaudited)
INTEREST INCOME AND EXPENSE
Interest income	$	30,603	$	68,264	$	8,930	$	107,797	$	30,741	$	60,138	$	6,543	$	97,422
Interest (expense) income intrabank transfer	(3,792)		7,825		(4,033)		—		(5,836)		8,299		(2,463)		—
Interest expense	6,783		23,617		660		31,060		6,459		24,119		672		31,250
Net interest income	20,028		52,472		4,237		76,737		18,446		44,318		3,408		66,172
Provision/(Recapture) for credit losses	(216)		32,427		—		32,211		(79)		62,404		—		62,325

Net interest income/(expense) after provision for credit losses - loans and unfunded commitments	20,244		20,045		4,237		44,526		18,525		(18,086)		3,408		3,847
NONINTEREST INCOME
Deposit service charges and fees	913		—		—		913		935		11		—		946
Other income	174		357		(117)		414		129		2		135		266
BaaS program income	—		7,294		—		7,294		—		5,316		—		5,316
BaaS indemnification income	—		34,072		—		34,072		—		62,610		—		62,610
Noninterest income	1,087		41,723		(117)		42,693		1,064		67,939		135		69,138
NONINTEREST EXPENSE
Salaries and employee benefits	7,029		8,766		5,606		21,401		5,993		7,047		3,933		16,973
Occupancy	818		74		23		915		904		86		(5)		985
Data processing and software licenses	1,952		3,843		(254)		5,541		1,116		1,235		1,626		3,977
Legal and professional expenses	700		2,353		2,909		5,962		31		2,164		1,116		3,311
Other expense	2,114		1,538		74		3,726		898		1,032		(7)		1,923
BaaS loan expense	—		32,483		—		32,483		—		29,011		—		29,011
BaaS fraud expense	—		2,804		—		2,804		—		1,784		—		1,784
Total noninterest expense	12,613		51,861		8,358		72,832		8,942		42,359		6,663		57,964
Net income/(loss) before income taxes	8,718		9,907		(4,238)		14,387		10,647		7,494		(3,120)		15,021
Income taxes	2,138		2,742		(1,521)		3,359		2,310		2,074		(959)		3,425
Net income/(loss)	$	6,580	$	7,165	$	(2,717)	$	11,028	$	8,337	$	5,420	$	(2,161)	$	11,596


	Six Months Ended June 30, 2025								Six Months Ended June 30, 2024
	Community Bank		CCBX		Treasury & Administration		Consolidated		Community Bank		CCBX		Treasury & Administration		Consolidated
	(dollars in thousands; unaudited)
INTEREST INCOME AND EXPENSE
Interest income	$	60,895	$	136,119	$	15,690	$	212,704	$	60,793	$	115,977	$	12,394	$	189,164
Interest income (expense) intrabank transfer	(7,701)		13,910		(6,209)		—		(11,435)		16,450		(5,015)		—
Interest expense	13,387		45,198		1,320		59,905		12,472		46,973		1,341		60,786
Net interest income	39,807		104,831		8,161		152,799		36,886		85,454		6,038		128,378
Provision/(Recapture) for credit losses	291		87,701		—		87,992		1,931		143,552		—		145,483

Net interest income/(expense) after provision for credit losses - loans and unfunded commitments	39,516		17,130		8,161		64,807		34,955		(58,098)		6,038		(17,105)
NONINTEREST INCOME
Service charges and fees	1,773		—		—		1,773		1,831		23		—		1,854
Other income	332		357		423		1,112		415		71		271		757
BaaS program income	—		13,572		—		13,572		—		9,362		—		9,362
BaaS indemnification income	—		89,713		—		89,713		—		143,341		—		143,341
Noninterest income	2,105		103,642		423		106,170		2,246		152,797		271		155,314
NONINTEREST EXPENSE
Salaries and employee benefits	14,169		16,741		11,973		42,883		12,041		14,398		8,474		34,913
Occupancy	1,649		159		141		1,949		1,726		178		110		2,014
Data processing and software licenses	3,383		5,582		1,458		10,423		2,164		2,198		3,093		7,455
Legal and professional expenses	744		5,046		6,060		11,850		50		4,418		2,462		6,930
Other expense	3,043		3,151		1,735		7,929		1,932		1,833		1,571		5,336
BaaS loan expense	—		64,990		—		64,990		—		55,118		—		55,118
BaaS fraud expense	—		4,797		—		4,797		—		2,707		—		2,707
Total noninterest expense	22,988		100,466		21,367		144,821		17,913		80,850		15,710		114,473
Net income before income taxes	18,633		20,306		(12,783)		26,156		19,288		13,849		(9,401)		23,736
Income taxes	3,725		4,749		(3,076)		5,398		4,134		3,655		(2,449)		5,340
Net Income	$	14,908	$	15,557	$	(9,707)	$	20,758	15,154		10,194		(6,952)		18,396