BanksCOMMERCIAL BANK & TRUST COMPANY

COMMERCIAL BANK & TRUST COMPANY

PARIS, TNLargeEst. May 15, 1877, midnightFDIC #8660RSSD #467658FDIC
Latest · 2025-12-31

COMMERCIAL BANK & TRUST COMPANY is an 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%. CET1 capital ratio: 19.08%, well above regulatory minimums. NPL ratio: 0.16% · Texas Ratio: 0.94%. Operates 10 domestic branches.

Assets
$1.1B
Deposits
$985M
Loans
$622M
Equity
$94M

Profitability

Return on Assets (ROA)1.67%
Return on Equity (ROE)19.53%
Net Interest Margin3.54%
Yield on Assets5.18%
Cost of Funds1.66%

Asset Quality

NPL Ratio0.16%
Net Charge-Off Ratio0.06%
Texas Ratio0.94%
NPA Ratio0.09%
ACL / Loans1.37%

Capital & Liquidity

CET1 Ratio19.08%
Tier 1 Capital19.08%
Total Capital Ratio20.33%
Leverage Ratio11.58%
Loan-to-Deposit63.10%

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