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About Us

Our History

Of all the services we provide at CBC National Bank®, our core focus is simply this: to put our customers first. Since we opened our doors in 1999, our commitment has always been to provide nothing less than an exceptional experience in everything we do. It is because of that unwavering dedication to service and our customers’ resulting loyalty that we remain a thriving regional bank.

The experienced banking professionals of CBC National Bank are active members of the community who have a vested interest in the success of its citizens and businesses. We invite you to experience CBC National Bank for yourself, where our dedicated professionals and array of banking conveniences ensure you always come first.

A brief history of CBC National Bank:

  • 1999: First Capital Bank Holding Company, headquartered in Fernandina Beach, FL, raised capital in a public offering to charter and establish First National Bank of Nassau County.


  • 2000: Coastal Banking Company (CBC), headquartered in Beaufort, SC, raised capital in a public offering to charter and establish Lowcountry National Bank.


  • 2005: Coastal Banking Company acquired First Capital Banking Company and became a multi-bank holding company operating Lowcountry National Bank (with three offices in the Beaufort market area) and First National Bank of Nassau County (with offices in Fernandina Beach, Jacksonville, FL and Savannah, GA).


  • 2006: First National Bank of Nassau County acquired the Cairo Bank in Meigs, Georgia, which was renamed The Georgia Bank. 


  • 2008: Lowcountry National Bank, First National Bank of Nassau County and The Georgia Bank merged and legally began operating under the name CBC National Bank.


  • 2011: All Coastal Banking Company affiliate institutions began officially using the name CBC National Bank.


  • 2013/2014: CBC National Bank SBA Division is #1 in Florida for Community Banks Headquartered in Florida for 7a Lending

  • 2015: CBC National Bank's Mortgage Division Surpasses $10 Billion Loan Production Milestone, Earns National "Top Lenders" Recognition

  • 2015: CBC National Bank's SBA Division Surpasses $250 Million in Loan Production and Ranked #1 in Florida Again

  • 2016: CBC National Bank's Acquires First Avenue National Bank of Ocala, FL. 

  • 2016: CBC National Bank Mortgage Division Surpasses $13 Billion Loan Production Milestone

From the beginning, the vision for Coastal Banking Company- one enthusiastically endorsed and embraced by its directors, employees and shareholders-has been to be a strong and growing regional financial institution where collective strengths and resources are shared and where local autonomy is exercised.


And, at CBC National Bank, we are committed to fulfilling this vision by continually providing the best products and services to the communities we gladly serve.