Capital Community Bank
Also a provider — view Capital Community Bank’s profile →“Can a small Utah community bank scale a sponsor-bank / BaaS franchise (Quill Bank) into a durable fintech backbone alongside its legacy community-banking book?”
Founded1993
HQUtah, United States
IndustryBank / Sponsor
The story
CCBank started as a Utah community bank in 1993 with a traditional retail and commercial book. Over the last several years it has quietly become a sponsor bank for fintechs — issuing the CCBank Peak Credit Card via Deserve in 2025 and formalizing its BaaS posture with the June 2026 launch of Quill Bank, a fintech-focused subsidiary designed to be a 'banking backbone' for partner programs while leveraging the parent bank's Utah charter and regulatory expertise.
Product timeline
1993
Founded as a community bank serving Utah with deposit, mobile banking, and lending products.· banking
2025
Launched CCBank Peak Credit Card, powered by Deserve, as a co-branded credit product.· card
2026
Announced Quill Bank, a dedicated fintech-focused BaaS/sponsor-bank division set to launch June 30, 2026.· pivot
Regulated entities
1
regulatory licence held by Capital Community Bank
Licence types, jurisdictions and registered entities are in the Embedded Finance Index report.
The stack
4 layers disclosed in Capital Community Bank’s embedded-finance stack
Banking / BaaS
Card issuing
in the full report
Lending
in the full report
Sponsor bank
in the full report
Accounting gap: none
3 more providers across 3 layers, with confidence-scored evidence and source URLs, are in the Embedded Finance Index report.