community bank shares, inc

Strength backed by community.

Phoenix is proud to be part of Community Bankshares, Inc. (CBI), a trusted bank holding company headquartered in LaGrange, Georgia. CBI brings together a family of financial & banking institutions that combine community banking values with forward-thinking innovation.

WHO WE ARE

Community Bankshares, Inc. is the parent company of:

  • Community Bank & Trust (CB&T) – A full-service community bank serving individuals and businesses across the nation with traditional banking, deposits, and lending.
  • Phoenix – A specialized SBA and USDA Lender Service Provider (LSP) and originator focused on empowering small businesses nationwide through government-guaranteed lending programs.

Together, CBI’s subsidiaries work hand in hand to deliver a comprehensive range of financial & banking solutions, from community banking relationships to complex SBA and USDA financing.

The Five S’S That Set Us Apart

HOW PHOENIX FITS INTO THE FAMILY

Phoenix was created to extend the mission of CBI beyond traditional banking. While CB&T focuses on serving local communities with retail and business banking, Phoenix focuses nationally on SBA and USDA lending as an LSP (Lender Service Provider).

This dual structure allows:
  • Shared Strength: Phoenix benefits from the stability, capital strength, and regulatory oversight of its parent company.
  • Specialized Expertise: Phoenix concentrates exclusively on SBA and USDA loans, with a team dedicated to helping entrepreneurs and businesses navigate these programs.
  • Aligned Mission: Both CB&T and Phoenix are driven by the same values of trust, service, and community impact, ensuring borrowers receive the resources of a modern lender with the heart of a community bank.
MORE ABOUT PHOENIX

THE FUTURE OF COMMUNITY & INNOVATION

CBI continues to grow, modernize, and innovate, from expanding banking services at CB&T to building Phoenix into a premier SBA and USDA originator and LSP nationwide. Together, we’re creating a stronger financial ecosystem for communities and entrepreneurs alike.

Why this matters to you.

When you work with Phoenix, you’re not just partnering with a lending company. You’re backed by a regulated bank holding company with decades of experience, a strong capital base, and a proven track record of supporting small business growth.

That means your loan is not only structured by experts but also supported by the financial strength and stability of Community Bankshares.

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