v3.26.1
Segment Reporting (Tables)
 3 Months Ended
Mar. 31, 2026
Segment Reporting [Abstract]  
Summary of Financial Information of Reportable Segments and Reconciliation to Consolidated Financial Results
Summarized financial information concerning the Company's reportable segments and the reconciliation to the consolidated financial results is shown in the following tables for the periods indicated:
March 31, 2026December 31, 2025
Community BankCCBXTreasury & AdministrationConsolidatedCommunity BankCCBXTreasury & AdministrationConsolidated
Assets(dollars in thousands; unaudited)
Cash and Due from Banks$4,454 $1,441 $1,489,572 $1,495,467 $4,243 $750 $731,977 $736,970 
Intrabank assets— 1,417,932 (1,417,932)— — 633,600 (633,600)— 
Securities— — 46,169 46,169 — — 48,247 48,247 
Loans held for sale— 124,039 — 124,039 — 71,216 — 71,216 
Total loans receivable1,975,255 1,884,124 — 3,859,379 1,941,979 1,807,552 — 3,749,531 
Allowance for credit losses
(18,153)(154,274)— (172,427)(18,231)(151,299)— (169,530)
All other assets29,503 240,799 40,900 311,202 29,809 235,137 40,057 305,003 
Total assets$1,991,059 $3,514,061 $158,709 $5,663,829 $1,957,800 $2,596,956 $186,681 $4,741,437 
Liabilities0
Total deposits$1,572,942 $3,468,222 $— $5,041,164 $1,586,359 $2,557,840 $— $4,144,199 
Total borrowings— — 48,074 48,074 — — 48,036 48,036 
Intrabank liabilities413,278 — (413,278)— 366,216 — (366,216)— 
All other liabilities4,839 45,839 20,151 70,829 5,225 39,116 13,902 58,243 
Total liabilities$1,991,059 $3,514,061 $(345,053)$5,160,067 $1,957,800 $2,596,956 $(304,278)$4,250,478 
Three months ended March 31, 2026Three months ended March 31, 2025
Community BankCCBXTreasury & AdministrationConsolidatedCommunity Bank CCBX Treasury & AdministrationConsolidated
(dollars in thousands; unaudited)
INTEREST INCOME AND EXPENSE
Interest income$31,734 $71,153 $8,794 $111,681 $30,292 $67,855 $6,760 $104,907 
Interest (expense) income intrabank transfer(3,625)8,156 (4,531)— (3,909)6,085 (2,176)— 
Interest expense5,571 22,099 654 28,324 6,604 21,581 660 28,845 
Net interest income22,538 57,210 3,609 83,357 19,779 52,359 3,924 76,062 
Provision/(Recapture) for credit losses(542)51,940 — 51,398 507 55,274 — 55,781 
Net interest income/(expense) after provision for credit losses on loans and unfunded commitments23,080 5,270 3,609 31,959 19,272 (2,915)3,924 20,281 
NONINTEREST INCOME
Deposit service charges and fees818 32 — 850 860 — — 860 
Other income114 (4)426 536 156 — 542 698 
BaaS program income— 10,888 — 10,888 — 6,278 — 6,278 
BaaS indemnification income— 53,803 — 53,803 — 55,641 — 55,641 
Noninterest income932 64,719 426 66,077 1,016  61,919 542 63,477 
NONINTEREST EXPENSE
Salaries and employee benefits7,297 11,527 4,298 23,122 7,155 7,975 6,402 21,532 
Occupancy812 8 39 859 830 85 119 1,034 
Data processing and software licenses1,817 5,035 791 7,643 1,395 1,146 1,691 4,232 
Legal and professional expenses444 5,215 1,343 7,002 63 3,273 3,152 6,488 
Other expense1,012 2,949 866 4,827 910 1,626 1,667 4,203 
BaaS loan expense— 36,940 — 36,940 — 32,507 — 32,507 
BaaS fraud expense— 3,059 — 3,059 — 1,993 — 1,993 
Total noninterest expense11,382 64,733 7,337 83,452 10,353 48,605 13,031 71,989 
Net income/(loss) before income taxes12,630 5,256 (3,302)14,584 9,935 10,399 (8,565)11,769 
Income taxes1,918 1,218 (571)2,565 1,587 2,007 (1,555)2,039 
Net income/(loss)$10,712 $4,038 $(2,731)$12,019 $8,348 $8,392 $(7,010)$9,730