COMMERCIAL BANK, THE

CRAWFORD, GA | Small | Est. Sept. 5, 1924, midnight | FDIC #175 | RSSD #469737 | FDIC
Latest Report: 2025-12-31

COMMERCIAL BANK, THE is asn small FDIC-insured commercial bank headquartered in CRAWFORD, GA, established in Sept. 5, 1924, midnight. As of 2025-12-31, the bank reported total assets of $463M and total deposits of $420M. Profitability stands at 2.65% ROA and 31.25% ROE, with a net interest margin of 5.30%. The bank's CET1 capital ratio is 8.49%. Asset quality metrics show a non-performing loan ratio of 0.14% and a Texas Ratio of 1.01%. FDIC Certificate #175.

Assets

$463M

Deposits

$420M

Loans

$322M

Equity

$39M

Profitability

Return on Assets (ROA) 2.65%
Return on Equity (ROE) 31.25%
Net Interest Margin (NIM) 5.30%
Yield on Assets 6.64%
Cost of Funds 1.36%

Asset Quality

NPL Ratio 0.14%
Net Charge-Off Ratio -0.01%
Texas Ratio 1.01%
NPA Ratio 0.10%
ACL / Loans 1.78%

Capital & Liquidity

CET1 Ratio 8.49%
Tier 1 Capital 8.49%
Total Capital Ratio 8.91%
Leverage Ratio 10.77%
Loan-to-Deposit 76.83%

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