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 54^th largest bank in the state of Virginia. It is also the 2,887^th largest bank in the nation. It was established in 2008 and as of June of 2021, it had grown to 28 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 Q2 2021

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Health Grade Components

Overall
FDIC Certificate #	58658
Year Established	2008
Employees	28
Primary Regulator	FED

Profit Margin
Return on Assets - YTD	0.96%
Return on Equity - YTD	8.19%
Annual Interest Income	$4.4MM

Assets and Liabilities
Assets	Q2 2021vs Q2 2020	$233.4MM$245.6MM
Loans	Q2 2021vs Q2 2020	$173.8MM$185.9MM
Deposits	Q2 2021vs Q2 2020	$191.4MM$174.7MM
Equity Capital	Q2 2021vs Q2 2020	$27.6MM$24.3MM
Loan Loss Allowance	Q2 2021vs Q2 2020	$2.0MM$3.0MM
Unbacked Noncurrent Loans	Q2 2021vs Q2 2020	$3.0MM$5.0MM
Real Estate Owned	Q2 2021vs Q2 2020	$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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