VCC Bank

Overview / Commentary

www.vacommunitycapital.org

540-260-3126

7814 Carousel Lane
Richmond, VA 23294

VCC Bank is headquartered in Richmond and is the 56^th largest bank in the state of Virginia. It is also the 2,897^th largest bank in the nation. It was established in 2008 and as of December of 2020, it had grown to 25 employees at 2 locations. VCC Bank's money market rates are 25% higher than the national average, and it has an A health rating.

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Health

Data as of Q4 2020

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Health Grade Components

Overall
FDIC Certificate #	58658
Year Established	2008
Employees	25
Primary Regulator	FED

Profit Margin
Return on Assets - YTD	0.82%
Return on Equity - YTD	7.57%
Annual Interest Income	$10.2MM

Assets and Liabilities
Assets	Q4 2020vs Q4 2019	$220.1MM$222.2MM
Loans	Q4 2020vs Q4 2019	$171.1MM$159.1MM
Deposits	Q4 2020vs Q4 2019	$165.6MM$169.8MM
Equity Capital	Q4 2020vs Q4 2019	$25.7MM$24.1MM
Loan Loss Allowance	Q4 2020vs Q4 2019	$2.0MM$1.5MM
Unbacked Noncurrent Loans	Q4 2020vs Q4 2019	$3.2MM$6.5MM
Real Estate Owned	Q4 2020vs Q4 2019	$0$0

Rates

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Savings
Money Market
CD
IRA

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

VCC Bank Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.25%	-	-	Statement Savings
0.25%	-	-	VA Savers Club

VCC Bank Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
0.55%^*	$250k^*	-	IRA Money Market
OTHER TIERS: 0.20% → Up to $100k \| 0.40% → $100k - $250k
0.55%^*	$250k^*	-	Premium Money Market Account
OTHER TIERS: 0.20% → Up to $100k \| 0.40% → $100k - $250k
0.20%	-	-	Money Market Account

VCC Bank CD Rates

APY	MIN	MAX	ACCOUNT NAME
0.70%	$250	-	7 Year CD
0.65%	$250	-	5 Year CD
0.55%	$250	-	4 Year CD
0.50%	$250	-	3 Year CD
0.45%	$250	-	2 Year CD
0.35%	$250	-	18 Month CD
0.35%	$250	-	18 Month Promotional CD
0.30%	$250	-	1 Year CD
0.25%	$250	-	6 Month CD

VCC Bank IRA Rates

APY	MIN	MAX	ACCOUNT NAME
0.70%	$250	-	7 Year IRA
0.65%	$250	-	5 Year IRA
0.55%	$250	-	4 Year IRA
0.50%	$250	-	3 Year IRA
0.45%	$250	-	2 Year IRA
0.35%	$250	-	18 Month IRA
0.30%	$250	-	1 Year IRA
0.25%	$250	-	6 Month IRA

Locations

VCC Bank Locations
West Franklin Street Branch	110 Peppers Ferry Road Nw	Christiansburg, VA 24073
Community Capital Bank Of Virginia	7814 Carousel Lane	Richmond, VA 23294

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