BanksCOMMERCIAL BANK, THE

COMMERCIAL BANK, THE

HONEA PATH, SCSmallEst. May 14, 1934, midnightFDIC #14642RSSD #349129FDIC
Latest · 2025-12-31

COMMERCIAL BANK, THE is an 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%. CET1 capital ratio: 28.82%, well above regulatory minimums. NPL ratio: 0.93% · Texas Ratio: 4.10%. Operates 8 domestic branches.

Assets
$264M
Deposits
$232M
Loans
$102M
Equity
$22M

Profitability

Return on Assets (ROA)0.91%
Return on Equity (ROE)10.94%
Net Interest Margin3.12%
Yield on Assets4.09%
Cost of Funds0.99%

Asset Quality

NPL Ratio0.93%
Net Charge-Off Ratio0.04%
Texas Ratio4.10%
NPA Ratio0.36%
ACL / Loans1.13%

Capital & Liquidity

CET1 Ratio28.82%
Tier 1 Capital28.82%
Total Capital Ratio29.85%
Leverage Ratio13.51%
Loan-to-Deposit43.76%

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