Since 1993, CCBank’s core business has been and continues to be supporting our Utah families and businesses through deposit, loan, and other financial products that help facilitate their financial well-being and growth. We are focused on offering personalized, local service and industry-leading rates to our clients while reinvesting a portion of our profits to support area nonprofits, high schools, and other organizations doing good in our communities. We are committed to hiring local talent and providing great paying jobs that support our economy. In short, we are a Utah community bank—locally owned and operated.
Our community bank focus is demonstrated by facts. As of year-end 2021, over 80% of our lending portfolio is comprised of  "traditional” loans unrelated to our FinTech programs. In other words, although our lending programs with FinTech are indeed an important part of our diversified lending business, these programs are by no means a solitary focus or a majority of the asset base for CCBank despite suggestions and insinuations to the contrary in recent media reports. We very much continue to be a locally owned and operated Utah community bank.