COMMERCIAL BANKING COMPANY

VALDOSTA, GA | Small | Est. Jan. 1, 1934, midnight | FDIC #16246 | RSSD #381932 | OCC
Latest Report: 2025-12-31

COMMERCIAL BANKING COMPANY is asn small FDIC-insured commercial bank headquartered in VALDOSTA, GA, established in Jan. 1, 1934, midnight. As of 2025-12-31, the bank reported total assets of $373M and total deposits of $328M. Profitability stands at 1.72% ROA and 17.92% ROE, with a net interest margin of 5.43%. The bank's CET1 capital ratio is 14.81%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.06% and a Texas Ratio of 0.89%. FDIC Certificate #16246.

Assets

$373M

Deposits

$328M

Loans

$289M

Equity

$37M

Profitability

Return on Assets (ROA) 1.72%
Return on Equity (ROE) 17.92%
Net Interest Margin (NIM) 5.43%
Yield on Assets 6.80%
Cost of Funds 1.40%

Asset Quality

NPL Ratio 0.06%
Net Charge-Off Ratio 0.00%
Texas Ratio 0.89%
NPA Ratio 0.10%
ACL / Loans 1.31%

Capital & Liquidity

CET1 Ratio 14.81%
Tier 1 Capital 14.81%
Total Capital Ratio 16.06%
Leverage Ratio 10.45%
Loan-to-Deposit 88.17%

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