Is CCBC or RYLD a better dividend investment in 2026?

CCBC currently yields 11.11% with a 5% 5-year dividend growth rate. RYLD yields 12.39% with 5% growth. The better choice depends on your goal: RYLD offers higher current income.

What is the dividend yield difference between CCBC and RYLD?

CCBC has a forward dividend yield of 11.11% ($2.00/share annually). RYLD yields 12.39% ($1.81/share annually). The yield gap is 1.28 percentage points.

Home › Compare › CCBC vs RYLD

CCBC vs RYLD: Dividend Comparison 2026

CCBC yields 11.11% · RYLD yields 12.39%● Live data

vsPost on X →

After 10 years · $10,000 invested · DRIP enabled

🏆 RYLD wins by $3.6K in total portfolio value

INVESTMENT

TIME HORIZON10 years

CCBC

● Live price

11.11%

Share price

$18.00

Annual div

$2.00

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$41.7K

Annual income

$2,227.50

Full CCBC calculator →

RYLD

● Live price

12.39%

Share price

$14.64

Annual div

$1.81

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$45.3K

Annual income

$2,682.98

Full RYLD calculator →

Portfolio growth — CCBC vs RYLD

📍 RYLD pulled ahead of the other in Year 1

Annual dividend income

🛡️

Recession Test — Did They Cut Dividends?

How each stock treated shareholders during the 3 biggest crises of the last 20 years

Crisis Period	CCBC	RYLD
2008–2009 GFC	— No data	— No data
2020 Q1–Q2 COVID	— No data	— No data
2022 Q4 Rate Hike	— No data	— No data

Based on dividend payment history. "Increased" = dividend grew during crisis. "Maintained" = held within 3%. "Cut" = reduced by more than 3%.

📅

Dividend Calendar Overlap

Combined, CCBC + RYLD cover 0 of 12 months — good coverage

Jan

—

Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

CCBC pays

RYLD pays

Both pay

Neither

💰

Tax Bracket Optimizer

Which stock is actually better after tax? Adjust your rate to find out.

CCBC

Annual income on $10K today (after 15% tax)

$944.44/yr

After 10yr DRIP, annual income (after tax)

$1,893.38/yr

RYLD

Annual income on $10K today (after 15% tax)

$1,053.44/yr

After 10yr DRIP, annual income (after tax)

$2,280.53/yr

At 15% tax rate, RYLD beats the other by $387.16/year in after-tax income after 10 years on $10,000

⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of CCBC + RYLD for your $10,000?

CCBC: 50%RYLD: 50%

100% RYLD50/50100% CCBC

Portfolio after 10yr

$43.5K

Annual income

$2,455.24/yr

Blended yield

5.65%

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

CCBC buys

RYLD buys

No recent congressional trades found for CCBC or RYLD in the last 90 days.

STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →

MetricCCBCRYLD

Forward yield	11.11%	12.39% ✓
Annual dividend / share	$2.00 ✓	$1.81
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	0%	0%
Portfolio after 10y	$41.7K	$45.3K ✓
Annual income after 10y	$2,227.50	$2,682.98 ✓
Total dividends collected	$16.6K	$19.4K ✓
Payment frequency	quarterly	quarterly
Sector	Stock	ETF

Year-by-year: CCBC vs RYLD ($10,000, DRIP)

Year	CCBC Portfolio	CCBC Income/yr	RYLD Portfolio	RYLD Income/yr	Gap
1← crossover	$11,811	$1,111.11	$11,939	$1,239.34	$128.00 → RYLD
2	$13,864	$1,226.49	$14,158	$1,382.89	$294.00 → RYLD
3	$16,180	$1,345.52	$16,682	$1,532.59	$502.00 → RYLD
4	$18,781	$1,467.56	$19,537	$1,687.64	$756.00 → RYLD
5	$21,687	$1,591.96	$22,752	$1,847.20	$1.1K → RYLD
6	$24,923	$1,718.07	$26,355	$2,010.43	$1.4K → RYLD
7	$28,513	$1,845.28	$30,376	$2,176.45	$1.9K → RYLD
8	$32,482	$1,972.96	$34,847	$2,344.43	$2.4K → RYLD
9	$36,856	$2,100.55	$39,800	$2,513.54	$2.9K → RYLD
10	$41,664	$2,227.50	$45,269	$2,682.98	$3.6K → RYLD

CCBC vs RYLD: Complete Analysis 2026

CCBC — Stock

Chino Commercial Bancorp operates as the bank holding company for Chino Commercial Bank, N.A. that provides commercial banking services to individuals and small businesses primarily in the Inland Empire region of Southern California. The company's deposit products include non-interest bearing deposits, money market accounts, checking and savings accounts, certificates of deposit, and individual retirement accounts. It also provides commercial loan products, such as lines of credit, letters of credit, term loans and equipment loans, commercial real estate loans, accounts receivable financing, factoring, equipment leasing, and other working capital financing; auto, home equity and home improvement lines of credit, and personal lines of credit; and real estate loan products comprising construction loans, lot loans, residential real estate brokerage, commercial real estate conduit sales, mini-perm commercial real estates, and home mortgages. In addition, the company offers credit and debit card, cashier's checks, courier, direct deposit, remote deposit capture, e-statement, electronic tax payment, night depository, notary, safe deposit box, savings bond, wire transfer, stop payment, and cash management, as well as online, telephone, and mobile banking services. It operates full-service branches in Chino, Ontario, Rancho Cucamonga, and Upland, California. Chino Commercial Bancorp was founded in 1999 and is headquartered in Chino, California.

Full CCBC Calculator →

RYLD — ETF

The Global X Russell 2000 Covered Call ETF (RYLD) seeks to provide investment results that correspond generally to the price and yield performance, before fees and expenses, of the Cboe Russell 2000 BuyWrite Index.

Full RYLD Calculator →

📬

Get this CCBC vs RYLD comparison by email

Save your analysis + weekly dividend insights. Free forever.

More comparisons

CCBC vs SCHD CCBC vs JEPI CCBC vs O CCBC vs KO CCBC vs MAIN

⚠️ Educational purposes only. Not financial advice. Congressional trades sourced from SEC STOCK Act filings via FMP. Past performance does not guarantee future results.