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CCF Holding Co. (CCFH)

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CCF Holding Company, Inc. is a publicly traded corporation on the OTC Bulletin Board under the symbol "CCFH.OB" CCF Holding Company, Inc. is a bank holding company incorporated under the laws of the State of Georgia. The corporation was organized in 1995 in connection with a conversion of the underlying bank from a mutual to stock form of organization. Prior to this conversion, the bank, through its predecessors, commenced business in 1955.

Heritage Bank, a state chartered commercial bank, has been serving metro Atlanta's Southern Crescent since 1955. Heritage Bank is a commercial bank operating within the Southern Crescent of Atlanta, GA. Heritage Bank is a wholly owned subsidiary of CCF Holding Company, Inc. The independent community bank has six full service offices, features a well-rounded offering of commercial and consumer products, and is an active, involved member of the community it serves.

Mortgage Loans

At Heritage Bank, our employees live and work in the communities it serves. We take pride in the fact that we have been in the southern crescent for over 50 years. Whether you are looking to buy a new home or you just want to refinance your existing mortgage for equity or rate reasons, let Heritage Bank handle your mortgage needs.

You can count on our expertise when it comes to the communities in the southern crescent of Atlanta. Why? Because, we have helped with many of the developments within the Clayton, Henry, and Fayette markets. Allow us to help you as you look to purchase your new home in our neighborhood.
 

 

Let Us Help You With Our Investment Options.

Heritage Bank differs from other financial institutions, because of the personal approach, attention to superior customer service, and wide range of financial products and services our customers have access to in order to meet their financial goals. Our objective is to help you decide why and how to invest and to monitor your progress along the way so you can better stay on track to meet your goals.

Through our contract with UVEST Financial Services, can assist with planning and helping you meet all your financial needs as you work to achieve and maintain your and/or your company's financial independence.

Our representative is registered through UVEST Financial Services, offering financial guidance at the Investment Services Department of Heritage Bank. UVEST is a registered broker dealer and is a FINRA/SIPC member firm.

Our approach to investing is personalized, detailed, and based on service, whatever your financial needs may be. Whether you are planning to fund your own retirement account or a retirement plan for your employees, education for your children, or your primary goal is to accumulate, preserve, or transfer wealth, we can help turn your financial dreams into achievable realities.
 

A Variety of Services for Your Personal Banking Needs.

All banks offer checking and savings accounts. But not all banks put the focus on their customers first. At Heritage Bank, we get to know what you need from your bank before we recommend the deposit services that should best fit your financial goals. And you're sure to find all of the deposit services you need at Heritage Bank.

  • Free Checking

    Because you don't want to worry about budgeting. Learn More
  • IRAs

    Start planning your retirement. Learn More
  • BillPay

    Pay your bills quickly and easily pay online. Learn More
  • Interest Bearing Checking Accounts

    Earning interest is money in your pocket. Learn about our Interest Checking Accounts or our Premium Checking Accounts
  • Lending Options

    Customized lending solutions to meet your needs. Learn More
  • Mortgage Loans

    Buy or refinance the home of your dreams. Learn More
  • Savings Accounts

    Learn about our Savings Accounts or our Money Market Accounts
  • Credit and Debit Cards

    Make purchases at any merchant worldwide or get cash. Learn More
  • Personal Specials

    Just for you. Learn More
  • Certificates of Deposit (CDs)

    Regular term CDs from seven days up to sixty months and large deposits can be insured for more than $100,000. Learn More
  • Online Banking

    Conduct your banking any time, right from your PC. Learn More
  • Telephone Banking

    Access your accounts by phone. Learn More
  • Consumer Alert

    Provide tools and resources to help prevent identity theft. Learn More
 

In Business Banking One Size Doesn't Fit All.

We know that when it comes to meeting your business needs, one size does not fit all. In fact, opening your checking account is the last thing we do. Our experienced professionals try to understand your business and your current and long term financial needs and then recommend solutions that may best suit your needs.

  • Commercial Deposit Services

    Get all the right tools in place to manage your business. Learn More
  • Cash Management

    Helping you manage your company's cash flow. Learn More
  • Lending Services

    Customized lending solutions to meet your needs. Learn More
  • Investment Services

    Meeting your financial goals. Learn More
  • Remote Deposit

    Deposit checks from the office. Learn More
  • Leasing

    Helping businesses acquire the right equipment. Learn More
  • Credit Card

    Convenience for your business purchases. Learn More
  • Courier Services

    Allow us to come to you. Learn More
  • Consumer Alert

    Provide tools and resources to help prevent identity theft. Learn More
  • Business Specials

    Just for your business. Learn More
  • Professional Packages

    Meeting specific needs. Learn More
  • Commercial Connection

    Online access to your accounts. Learn More
  • BizPay

    Pay your bills online. Learn More

Officers and Directors

Executives
 
David B. Turner, Mr. Turner graduated from Jonesboro Senior High School, then continued his education at the Georgia Institute of Technology and graduated from Georgia State University. He joined Clayton County Federal Savings and Loan Association in May 1971 as an Escrow Clerk. In or around 1975, he became a Mortgage Loan Officer and Assistant to the President of the Bank. In 1989 he was promoted to President and Chief Executive Officer. The title of Director was added in 1992. Mr. Turner served in these capacities until January 2001, when he was promoted to the position of Vice Chairman. Mr. Turner was elected Chairman of the Board in December, 2005. His civic activities include serving as a board member of Hope Shelter, an advisory board member of Habitat for Humanity, a member of the Jonesboro Historical District Committee, past Chairman of the Executive Committee of Historical Jonesboro-Clayton County.
 
Leonard A. Moreland, Mr. Moreland graduated from Morrow High School, and went on to graduate from West Georgia College in Carrollton, Georgia. He began his banking career at Trust Company Bank of Clayton County. In 1990, he was a part of the team that founded and began Southern Crescent Bank in Morrow. He served as Senior Vice President until joining Heritage Bank in 1996 as the Executive Vice President/Chief Administrative Officer.

During his time with Heritage Bank, Mr. Moreland served as a Director of the Bank and its parent company, CCF Holding Company while serving as President of Heritage Bank. In January 2006, Leonard was promoted to Chief Executive Officer.

His civic activities include being a member of the Advisory Board of the Clayton State University School of Business; he serves on the CCSU Foundation Board as a Vice Chairman, is Vice Chairman and a member of the Board of Directors of The Good Shepherd Clinic in Morrow and also serves as a Vice Chairman on the Board of Directors of the Clayton County Chamber of Commerce.

Mr. Moreland and his wife Kay have one child and reside in Jonesboro. They are members of Eagles Landing First Baptist Church of McDonough.
 
Board of Directors
 

 
Roy V. Hall, Mr. Hall has been a director of the Bank since June 1999. He is a CPA (certified public accountant) and the owner / president of Roy V. Hall, PC in Jonesboro, Georgia.

 
Edwin S. Kemp, Jr., Mr. Kemp has been a director of the Bank since 1988. Operating an independent law practice in Jonesboro, Georgia since 1982, he has been counsel to the Bank since 1983. Mr. Kemp is past chairman of the Administrative Board of the Jonesboro First United Methodist Church and is currently a member of the Staff-Parish Committee. He has also served as attorney for Habitat for Humanity and for Historical Jonesboro.

 
John B. Lee, Jr., Mr. Lee has been a director of the Bank since 1975. He currently serves as Chairman of the Board of Directors. He is employed by Spartan Lincoln-Mercury, Inc., and is a co-owner of the Southside Chapel Funeral Home. Both businesses are located in Morrow, Georgia. He is a past director and president of the Clayton County Chamber of Commerce.

 
John T. Mitchell, Mr. Mitchell has been a director of the Bank since June 1997. He is the president and a principal of Adams-Mitchell Realty, Inc., located in Jonesboro, Georgia.

 
Charles S. Tucker, Mr. Tucker has been a director of the Bank since 1978. He currently serves as Secretary/Treasurer of the Board of Directors. Mr. Tucker retired after 31 years of service as a county agent for the University of Georgia Cooperative Extension Service. He is a member of the Clayton County Chamber of Commerce, the Kiwanis Club of Forest Park, the Veterans of Foreign Wars and the American Legion.

 
Judge Stephen Boswell, Judge Boswell received his bachelors and law degrees from the University of Georgia, is a decorated military veteran, and was appointed to sit on the Supreme Court of Georgia. He currently is a member of the Clayton College and State University Board of Trustees Foundation, and the Jonesboro United Methodist Church Administrative Board.

Judge Boswell also has shown commitment to his community by formerly serving on the Boards of Directors for the Salvation Army, Arts Clayton, Reynolds Nature Preserve, and the Dance Theater of Georgia. He was president and vice president for the Clayton County Bar Association, an instructor for the Leadership Clayton program, and president of the Tara Kiwanis Club.

Asking About the Share Structure.


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CCFH
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#44   I think you're right Salty! joesco 09/12/16 05:23:22 AM
#43   I don't think it would take too much SaltyMutt 09/11/16 06:32:31 PM
#42   CCFH Up 10% to $1.21 joesco 09/07/16 03:33:49 PM
#41   Trending upward very nicely, indeed. joesco 08/30/16 11:56:30 AM
#40   I don't think we're too far away from SaltyMutt 08/30/16 10:05:48 AM
#39   It's nice to see the CCFH ask keep SaltyMutt 08/16/16 10:40:17 AM
#38   I think the guy/girl/group that bought the 87,765 SaltyMutt 08/07/16 06:59:05 PM
#37   What a day here! That huge block at joesco 08/05/16 04:31:42 PM
#36   They are indeed a crushin' it! If they SaltyMutt 08/02/16 04:24:43 PM
#35   (CCFH) Heritage Bank YTD Income: $6,343,000 joesco 08/02/16 09:08:44 AM
#34   New report is up, looks like 6.3 million malodious 07/30/16 10:39:57 AM
#33   Heritage Bank of Jonesboro, GA joesco 06/14/16 08:49:32 AM
#32   Heritage Bank 1st Quarter 2016 Income: $694,000 joesco 05/03/16 08:22:16 AM
#31   Annual Report link- malodious 04/06/16 08:24:50 AM
#30   I hear ya salty, you're right about that. joesco 03/31/16 06:02:23 PM
#29   I'm trying to "steal" 10,000 shares at .73 SaltyMutt 03/31/16 09:53:45 AM
#28   CCFH has potential to provide the largest ROI joesco 03/31/16 09:27:01 AM
#27   I'm thinking about adding a few more shares SaltyMutt 03/31/16 08:23:13 AM
#26   According to David Turner of CCFH, SaltyMutt 03/23/16 06:37:49 PM
#25   Most Volume in a Single Trading Day in joesco 03/21/16 12:52:18 PM
#24   Heritage Bank, Jonesboro, GA joesco 03/19/16 10:53:24 AM
#23   Heritage Bank Promotes Kerry Arnold to Henry County President joesco 02/22/16 06:02:32 PM
#22   Thx 56chev... You've always been an excellent person elcheepo 02/03/16 10:56:01 PM
#21   This bank is one of the best examples 56Chevy 02/02/16 04:15:32 PM
#20   Heritage Bank Earns $3.9 Million in 2015 joesco 01/26/16 07:40:59 AM
#19   12/31/15 report is up now- https://cdr.ffiec.gov/public/Reports/UbprReport.aspx? malodious 01/25/16 11:45:32 AM
#18   Warren Buffett was absolutely astounded to see my SaltyMutt 11/02/15 08:52:12 AM
#17   Mid-way 2015 UBPR report 56Chevy 10/23/15 05:11:55 PM
#16   3/31/2015 call report norweger1979 05/06/15 11:15:07 AM
#15   CCFH $0.98 norweger1979 03/31/15 01:19:28 PM
#14   CCFH $0.98 norweger1979 03/31/15 01:14:31 PM
#13   CCFH $0.79 current price norweger1979 03/10/15 05:05:28 PM
#12   Georgia Bank's Trust-Preferred Deal with Regulators Sets Precedent (8/07/14) Enterprising Investor 09/16/14 04:11:33 PM
#11   thank you kindly chevy for sharing additional info :) norweger1979 09/02/14 04:55:39 PM
#10   CCFH established a small starter position $0.46-$0.50... this is norweger1979 08/15/14 04:19:06 PM
#9   Small Company Offering and Sale of Securities Without 56Chevy 08/01/14 04:19:14 PM
#8   I was just looking at their report at SaltyMutt 07/30/14 11:19:27 AM
#7   Earnings for Q2 2014 have turned positive! 56Chevy 07/29/14 03:25:54 PM
#6   FDIC # 30846 56Chevy 05/12/14 09:09:53 PM
#5   It looks as if this one time "nickle SaltyMutt 01/10/14 10:46:46 PM
#4   Marker: Ccf Holding Co. (QB) (CCFH) 56Chevy 01/10/14 04:26:56 PM
#3   I guess CCFH is a good reason to SaltyMutt 04/13/13 09:59:09 AM
#2   I just can't see the ask being any Soapy Bubbles 06/17/11 11:46:53 AM
#1   http://www.otcmarkets.com/stock/CCFH/company-info Soapy Bubbles 05/17/11 12:03:25 PM
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