COMMERCIAL BANK & TRUST COMPANY

PARIS, TN | Large | Est. May 15, 1877, midnight | FDIC #8660 | RSSD #467658 | FDIC
Latest Report: 2025-12-31

COMMERCIAL BANK & TRUST COMPANY is aln large FDIC-insured commercial bank headquartered in PARIS, TN, established in May 15, 1877, midnight. As of 2025-12-31, the bank reported total assets of $1.1B and total deposits of $985M. Profitability stands at 1.67% ROA and 19.53% ROE, with a net interest margin of 3.54%. The bank's CET1 capital ratio is 19.08%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.16% and a Texas Ratio of 0.94%. FDIC Certificate #8660.

Assets

$1.1B

Deposits

$985M

Loans

$622M

Equity

$94M

Profitability

Return on Assets (ROA) 1.67%
Return on Equity (ROE) 19.53%
Net Interest Margin (NIM) 3.54%
Yield on Assets 5.18%
Cost of Funds 1.66%

Asset Quality

NPL Ratio 0.16%
Net Charge-Off Ratio 0.06%
Texas Ratio 0.94%
NPA Ratio 0.09%
ACL / Loans 1.37%

Capital & Liquidity

CET1 Ratio 19.08%
Tier 1 Capital 19.08%
Total Capital Ratio 20.33%
Leverage Ratio 11.58%
Loan-to-Deposit 63.10%

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