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

a. Loan payoffs in 2025 have resulted in loan balances falling 14%. However, the loan pipeline is strong we expect loan balances to begin growing the fourth quarter of 2025.

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 8% decrease in non-interest expense quarter over quarter.

The Bank continues to maintain a strong capital position that exceeds all regulatory requirements to be classified as “well capitalized,” with a Community Bank Leverage Ratio of 14.60% at September 30, 2025, compared to 13.46% at December 31, 2024.

Gary R. Shook, President and Chief Executive Officer of CBB Financial Corp. and Community Bankers’ Bank, commented, “Community Bankers’ Bank posted strong performance for the quarter ending September 30th.  We continue to focus on lending activities in our markets in support of community banks and their clients and communities.  We have noted that the softening of interest rates is bringing borrowers back to the table in many areas.  Investment activities provided through partner FBBS Securities continue to grow in each of CBB’s markets and we would encourage those of you not having met with the investments team to do so at your earliest convenience.  I am confident that you will appreciate the client centric approach that comes from a banker owned brokerage option.  Finally, I want to express on behalf of the CBB team our best wishes for a joyous holiday season along with a prosperous New Year!” 

For further information, please contact:

Gary R. Shook