BanksCOMMERCIAL BANK, THE

COMMERCIAL BANK, THE

CRAWFORD, GASmallEst. Sept. 5, 1924, midnightFDIC #175RSSD #469737FDIC
Latest · 2025-12-31

COMMERCIAL BANK, THE is an 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%. CET1 capital ratio: 8.49%. NPL ratio: 0.14% · Texas Ratio: 1.01%. Operates 5 domestic branches.

Assets
$463M
Deposits
$420M
Loans
$322M
Equity
$39M

Profitability

Return on Assets (ROA)2.65%
Return on Equity (ROE)31.25%
Net Interest Margin5.30%
Yield on Assets6.64%
Cost of Funds1.36%

Asset Quality

NPL Ratio0.14%
Net Charge-Off Ratio-0.01%
Texas Ratio1.01%
NPA Ratio0.10%
ACL / Loans1.78%

Capital & Liquidity

CET1 Ratio8.49%
Tier 1 Capital8.49%
Total Capital Ratio8.91%
Leverage Ratio10.77%
Loan-to-Deposit76.83%

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