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1891 South 14th Street
Fernandina Beach, FL 32034

CBC National Bank is headquartered in Fernandina Beach and is the 55th largest bank in the state of Florida. It is also the 1,640th largest bank in the nation. It was established in 2000 and as of March of 2014, it had grown to 345 employees at 6 locations. CBC National Bank has a C+ health rating.

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Reviews (2)

Worst Mortgage Experience Of Our Lives

Miss-information, broken promises, six months wasted and thousands of dollars gone.

PLEASE spare yourself and go elsewhere for your mortgage needs. Our experience was a disastrous joke.

I Got Nowhere With This Bank

I started the loan process with this bank over a month back. I was offered a loan with no closing costs whatsoever, and a competitive rate. After sending in all the documentation they needed, I received an estimate that had almost 2k in fees. I argued this point with them reminding them of the agreements they made with me (they contacted me). They said they would honor the agreement, but had to raise the interest rate .125% to accomplish this. I told them no more games and they agreed. I was contacted a week later by email and told they could not honor the agreed upon rate with such a low amount financed (about 100K). I have noticed this bank will try to slip in fees when you are not looking and will not honor their word. I have dealt with many banks and never had this bad of an experience.


Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 CBC National Bank had $12.89 million in non-current loans and owned real-estate with $46.54 million in equity and loan loss allowances on hand to cover it. This gives CBC National Bank a Texas Ratio of 27.69% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for CBC National Bank decreased dramatically from 39.85% as of March 31, 2013 to 27.69% as of March 31, 2014, resulting in a positive change of 30.51%.This indicates that the balance sheet and financial strength for CBC National Bank has improved dramatically in recent periods.

Deposit Growth


In the past year, CBC National Bank has decreased its total deposits by -$49.13 million, resulting in -14.47% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth CBC National Bank has shown is poor.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. CBC National Bank has $409.83 million in assets with $46.54 million in equity, resulting in a capitalization level of 11.36%, which is excellent.

Institution Statistics

FDIC Certificate #35309
Year Established2000
Primary RegulatorOCC
Assets and Liabilities
Assets$409.83 million
Loans$282.04 million
Deposits$290.30 million
Equity Capital$42.27 million
Loan Loss Allowance$4.28 million
Unbacked Noncurrent Loans$1.25 million
Real Estate Owned$11.64 million
Historic Data - March 2013
Assets$405.30 million
Equity Capital$43.27 million
Loan Loss Allowance$4.53 million
Unbacked Noncurrent Loans$1.25 million
Real Estate Owned$15.28 million
Profit Margin - Quarterly
Net Interest Margin4.29%
Return on Assets0.31%
Return on Equity2.92%
Interest Income$3.97 million

Always verify rates and promotions with the bank or credit union. We are not CBC National Bank, we are a rate comparison website and can not provide official rates or promotions.

CBC National Bank Savings Account Rates

0.40%$50k-Health Savings Account
0.10%$100-Regular Savings
0.10%$25-Minor Savings
0.10%$100-Business Savings
0.10%--Christmas Club

CBC National Bank Money Market Rates

0.40%$50k-Money Market Investor
0.40%$50k-Business Money Market Investor

CBC National Bank Checking Account Rates

1.25%$100$25kAdvantage Checking - Qualifying
0.05%$100-Interest Checking
0.05%$100-Premier Checking
0.05%$100-Business Interest Checking

CBC National Bank CD Rates

1.50%$1k-60 Month CD
1.25%$1k-48 Month CD
1.00%$1k-36 Month CD
0.70%$1k-24 Month CD
0.60%$1k-18 Month CD
0.45%$1k-12 Month CD
0.25%$1k-182 Day CD
0.10%$1k-91 Day CD

CBC National Bank IRA Rates

1.50%$1k-60 Month IRA
1.25%$1k-48 Month IRA
1.00%$1k-36 Month IRA
0.70%$1k-24 Month IRA
0.60%$1k-18 Month IRA
0.45%$1k-12 Month IRA
0.45%$100-18 Month Variable IRA

CBC National Bank Locations
Port Royal Branch1700 Ribaut RoadPort Royal, SC 29935 Branch1891 S 14th StreetFernandina Beach, FL 32034
CBC National Bank1891 South 14th StreetFernandina Beach, FL 32034
Meigs Branch2023 East Depot StreetMeigs, GA 31765
Sea Island Branch36 Sea Island ParkwayBeaufort, SC 29907