COMMERCIAL BANK, THE

HONEA PATH, SC | Small | Est. May 14, 1934, midnight | FDIC #14642 | RSSD #349129 | FDIC
Latest Report: 2025-12-31

COMMERCIAL BANK, THE is asn small FDIC-insured commercial bank headquartered in HONEA PATH, SC, established in May 14, 1934, midnight. As of 2025-12-31, the bank reported total assets of $264M and total deposits of $232M. Profitability stands at 0.91% ROA and 10.94% ROE, with a net interest margin of 3.12%. The bank's CET1 capital ratio is 28.82%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.93% and a Texas Ratio of 4.10%. FDIC Certificate #14642.

Assets

$264M

Deposits

$232M

Loans

$102M

Equity

$22M

Profitability

Return on Assets (ROA) 0.91%
Return on Equity (ROE) 10.94%
Net Interest Margin (NIM) 3.12%
Yield on Assets 4.09%
Cost of Funds 0.99%

Asset Quality

NPL Ratio 0.93%
Net Charge-Off Ratio 0.04%
Texas Ratio 4.10%
NPA Ratio 0.36%
ACL / Loans 1.13%

Capital & Liquidity

CET1 Ratio 28.82%
Tier 1 Capital 28.82%
Total Capital Ratio 29.85%
Leverage Ratio 13.51%
Loan-to-Deposit 43.76%

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