Community Bankers’ Bank and CBB Financial Corp. Announce Second Quarter 2025 Operating Results

a. Loan payoffs in the first half of 2025 have resulted in loan balances falling 8.5%. However, the loan pipeline is strong we expect loan balances to begin growing.

b. DDA balances remain steady. We have used the extra liquidity from the loan payoffs to pay down high cost borrowings and maintain existing net interest margin.

c. Continued focus on managing expenses resulted in a 3% decrease in non-interest expense quarter over quarter.

Gary R. Shook, President and Chief Executive Officer of CBB Financial Corp. and Community Bankers’ Bank, commented,“While loan growth opportunities have slowed somewhat throughout the region, we are getting looks at strong deals that will materialize on the books as the year progresses.  CBB’s check printing contract consulting and core contract consulting partnerships showed positive momentum in the second quarter.  Additionally, the second quarter provided for breakout revenue coming from CBB’s partnership with FBBS Securities.  Please think of Jim Lewis and the FBBS team when in need of your investment portfolio needs.”

Mr. Shook continued, “The CBB team has been out over the past months focused on seeing shareholders and clients. CBB continues to be focused on delivering needed services as a community bank owned cooperative.  The convention season provides an especially good opportunity to connect throughout CBB’s markets. Finally, I will be out with Brian Jones, our new regional manager for the Carolinas, Georgia and eastern Tennessee over the coming months being sure that he is properly introduced to our shareholders and clients.  In fact, the entire CBB team stand ready to assist our Banks and Bankers as we work together to assist our communities and regional economies.”

For further information, please contact:

Gary R. Shook