COMMERCIAL BANK

HARROGATE, TN | Large | Est. Nov. 1, 1976, midnight | FDIC #22354 | RSSD #497039 | FED
Latest Report: 2025-12-31

COMMERCIAL BANK is aln large FDIC-insured commercial bank headquartered in HARROGATE, TN, established in Nov. 1, 1976, midnight. As of 2025-12-31, the bank reported total assets of $2.3B and total deposits of $1.9B. Profitability stands at 1.82% ROA and 16.20% ROE, with a net interest margin of 4.10%. The bank's CET1 capital ratio is 12.54%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.34% and a Texas Ratio of 2.51%. FDIC Certificate #22354.

Assets

$2.3B

Deposits

$1.9B

Loans

$1.9B

Equity

$241M

Profitability

Return on Assets (ROA) 1.82%
Return on Equity (ROE) 16.20%
Net Interest Margin (NIM) 4.10%
Yield on Assets 5.83%
Cost of Funds 2.74%

Asset Quality

NPL Ratio 0.34%
Net Charge-Off Ratio 0.03%
Texas Ratio 2.51%
NPA Ratio 0.29%
ACL / Loans 0.96%

Capital & Liquidity

CET1 Ratio 12.54%
Tier 1 Capital 12.54%
Total Capital Ratio 13.48%
Leverage Ratio 10.78%
Loan-to-Deposit 100.23%

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