First Federal Bank - Background

September 2019 - We are now no longer CBC National Bank, a division of First Federal Bank of Florida. We
are simply First Federal Bank resulting in better rates for you and faster turn times.  Same great customer
service!

April 2, 2018 - CBC National Bank merged and is now a division of First Federal Bank of Florida.  Of
all the mortgage 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.  Our staff consists
of experienced mortgage banking professionals who are committed to providing extraordinary customer
service, plus the convenience of a personal touch to every loan.  CBC National Bank can provide you with
the best innovations in the mortgage industry because we offer a variety of loan program options to meet
your needs.

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.

2018:  CBC National bank merged and is now a division of First Federal Bank

Background on me - Bill Brown - Sr. Loan Officer











2450 Atlanta Hwy  #1103, Cumming, GA  30040
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Bill Brown
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678-679-6057
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