BanksCOMMERCIAL BANKING COMPANY

COMMERCIAL BANKING COMPANY

VALDOSTA, GASmallEst. Jan. 1, 1934, midnightFDIC #16246RSSD #381932OCC
Latest · 2025-12-31

COMMERCIAL BANKING COMPANY is an 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%. CET1 capital ratio: 14.81%, well above regulatory minimums. NPL ratio: 0.06% · Texas Ratio: 0.89%. Operates 5 domestic branches.

Assets
$373M
Deposits
$328M
Loans
$289M
Equity
$37M

Profitability

Return on Assets (ROA)1.72%
Return on Equity (ROE)17.92%
Net Interest Margin5.43%
Yield on Assets6.80%
Cost of Funds1.40%

Asset Quality

NPL Ratio0.06%
Net Charge-Off Ratio0.00%
Texas Ratio0.89%
NPA Ratio0.10%
ACL / Loans1.31%

Capital & Liquidity

CET1 Ratio14.81%
Tier 1 Capital14.81%
Total Capital Ratio16.06%
Leverage Ratio10.45%
Loan-to-Deposit88.17%

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