COMMUNITY CAPITAL BANCSHARES is the bank holding company. AB&T is the primary bank charter regulated by the FDIC. CRA exams are conducted at the charter level, not the holding company level.

Bank Holding Company

COMMUNITY CAPITAL BANCSHARES

Legal name: COMMUNITY CAPITAL BANCSHARES, INC.

1 active bank · 1 merged/absorbed · $272M combined assets

RSSD ID: 2775142 (FFIEC NIC)

Combined Assets

$272M

CRA Rating Summary

Satisfactory1charter

Across all 7 exams on record for this holding company's charters, 100% resulted in Outstanding or Satisfactory.

Primary bankAB&TALBANY, GASatisfactory$272MView profile →

At a Glance

Dominant CRA Rating

Satisfactory

1 of 1 bank · Meets expectations for community lending

Combined Assets

$272M

1 active bank

Financial Summary

FDIC Call Reports

Aggregated from the most recent call report filings for all active charters.

Total Deposits

$239M

Net Income

$1M

ROA (avg)

1.84%

asset-weighted avg

Mortgage Lending (HMDA)

CFPB · 2023Lender rankings →

Aggregated HMDA data across all active charters for 2023.

Applications

Origination Rate

82.35%

Denial Rate

Active Bank Charters1

Each charter is examined independently for CRA compliance.

Charter	Location	Regulator	Assets	Ownership	Current Rating	Exam Date
AB&T	ALBANY, GA	FDIC	$272M	100.0%	Satisfactory	May 2025

CRA (Community Reinvestment Act) exams are conducted per charter, not per holding company. Asset figures are from the most recent FDIC call report.