Commercial Bank (Harrogate, TN)
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Data as of · sourced from FFIEC call reports. How we update
Commercial Bank is an FDIC-insured commercial bank headquartered in Harrogate, TN, established in 1976 (FDIC certificate 22354), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $2.36B, up 5.2% from Q2 2025, the 9th largest of 109 banks headquartered in Tennessee. Its CET1 capital ratio was 13.02% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 22354
- Headquarters
- Harrogate, TN
- Established
- 1976
- Total assets, Q2 2026
- $2.36B
- Assets vs Q2 2025
- +5.2%
- CET1 ratio, Q2 2026
- 13.02%
- Domestic offices
- 40 FDIC institution directory, current count
- Routing number
- 064202983
- Latest call report
- Q2 2026, FFIEC 051 · Commercial Bank call report
- Holding company
- COMMERCIAL BANCGROUP, INC.
- Asset rank in state
- 9th of 109 in Tennessee
Commercial Bank runs leaner than most banks of its size. It reported $2.4 billion in assets at June 30, 2026, up 5.2% from a year earlier. It spends about 40 cents to bring in each dollar of revenue, lower than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median 58 cents). It also earns about $1.89 a year on every $100 of assets, higher than about three-quarters of banks its size (median $1.29).
Loans are outrunning deposits: over the year loans rose 8.4% and deposits rose 3.0%. Concentration is the risk to watch: it holds commercial real estate loans worth 3.1 times its capital, higher than about three-quarters of banks its size (median 2.2 times).
As of June 30, 2026, Commercial Bank reported a CET1 capital ratio of 13.02%, a return on assets of 1.89%, a nonperforming-loan ratio of 0.35% and a Texas ratio of 2.68%. The figures come from its call report filed with the FFIEC.
Of the 109 banks headquartered in Tennessee, Commercial Bank is the 9th largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 2.1% to $2.36B, loans rose 2.6% and deposits fell 1.1%. Its loan book on June 30, 2026 was led by owner-occupied commercial real estate loans, at 25.0% of total loans, followed by non-owner-occupied commercial real estate loans at 20.6%. The FDIC Summary of Deposits lists 36 offices for it, in 22 cities across 3 states; its Harrogate 2 offices book 20% of its branch deposits. Judged on its Q2 2026 call report, Commercial Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 6710 Cumberland Gap Pkwy, Harrogate, TN 37752
- County
- Claiborne
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- November 1, 1976
- Former names
- Commercial Bank of Claiborne County (1979-1986)
- Domestic offices
- 40 FDIC institution directory, current count
- Employees (FTE)
- 293
- Domestic deposits
- $1.91B
- Allowance for credit losses
- $18.7M
- Net charge-offs (YTD)
- -$100K
- Average total assets
- $2.25B
- Average total loans
- $1.89B
- Average interest-bearing deposits
- $1.45B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- November 1, 1976
- FDIC Cert
- 22354
- Fed RSSD
- 497039
- SEC CIK
- 1981546 → filed by COMMERCIAL BANCGROUP, INC.
- Website
- www.cbtn.com →
- Parent Holding Company
- COMMERCIAL BANCGROUP, INC. (RSSD 1080652) · CBK
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Terry L Lee | CEO | President and CEO |
| Robertson John Adam | CHR | Executive Chairperson |
| Philip J. Metheny | CFO | EVP, Chief Financial Officer |
| Sprinkle, Jr. Richard C. | CCO | EVP, Chief Credit Officer |
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Commercial Bank's total assets moved between a low of $1.91B (Q3 2023) and a high of $2.36B (Q2 2026) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$2.36B total assets against $2.24B; $2.09B total liabilities against $1.99B.
$1.91B net loans and leases against $1.76B; $1.91B total deposits against $1.85B.
$132.9M securities against $187.6M; $170.1M cash and balances due against $151.3M.
$30.1M total interest income against $30.8M; $8.5M total interest expense against $10.2M.
$21.5M net interest income against $20.6M.
$2.5M total noninterest income against $2.3M; $10.1M total noninterest expense against $10.2M.
$399K provision for credit losses against $0.
$10.6M net income against $10.1M.
1.89% return on assets against 1.82%; 4.04% net interest margin against 3.91%.
13.02% CET1 capital ratio against 13.60%; 11.58% tier 1 leverage ratio against 11.22%.
Inside the full Commercial Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
Commercial Bank rankings
Its closest position to the top of a national ranking is 203 of 3,606, for efficiency ratio; its furthest is 707 of 980, for uninsured deposits.
Metric pages for Commercial Bank: Efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.48% (Q4 2024) to 1.89% (Q2 2026) and its net interest margin ran from 3.72% (Q1 2025) to 4.12% (Q3 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.02% | 1.89% | 0.35% | 2.68% | 4.04% |
| Q1 2026 | 13.05% | 1.85% | 0.31% | 2.42% | 3.88% |
| Q4 2025 | 12.55% | 1.89% | 0.34% | 2.55% | 4.03% |
| Q3 2025 | 14.17% | 1.87% | 0.31% | 2.16% | 4.12% |
| Q2 2025 | 13.60% | 1.82% | 0.33% | 2.53% | 3.91% |
| Q1 2025 | 13.03% | 1.60% | 0.27% | 2.11% | 3.72% |
| Q4 2024 | 12.48% | 1.48% | 0.28% | 2.35% | 3.83% |
| Q3 2024 | 12.88% | 1.73% | 0.32% | 2.56% | 3.87% |
Swipe the table sideways to see every column.
Branch Network
View all 36 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Commercial Bank (main office) | Harrogate , TN | 37752 | $389.5M |
| Newport-Broadway Branch | Newport , TN | 37821 | $169.6M |
| Fnb & Trust Branch | London , KY | 40741 | $147.2M |
| Highway 33 Branch | Maynardville , TN | 37807 | $120.7M |
| New Tazewell Branch | New Tazewell , TN | 37825 | $93.6M |
| Tazewell-New Tazewell Branch | New Tazewell , TN | 37825 | $82.7M |
| Shelby Branch | Shelby , NC | 28150 | $82.6M |
| Cumberland Parkway Branch | Barbourville , KY | 40906 | $80.2M |
| Union Plaza Branch | Barbourville , KY | 40906 | $74.9M |
| Alliance Bank & Trust Branch | Gastonia , NC | 28052 | $51.7M |
| Brentwood Branch | Brentwood , TN | 37027 | $48.7M |
| Union Road Branch | Gastonia , NC | 28054 | $48.0M |
| Harlan Branch | Harlan , KY | 40831 | $47.7M |
| Bryant Town Branch | Newport , TN | 37821 | $39.6M |
| Main Street Branch | Cumberland , KY | 40823 | $39.0M |
| Middlesboro Federal Bank, Fsb Branch | Middlesboro , KY | 40965 | $33.8M |
| West Knoxville Branch | Knoxville , TN | 37922 | $32.1M |
| Morristown Branch | Morristown , TN | 37813 | $32.0M |
| Kings Mountain Branch | Kings Mountain , NC | 28086 | $29.3M |
| Kingsport East Stone Drive Branch | Kingsport , TN | 37660 | $27.7M |
| Marketplace Branch | London , KY | 40741 | $26.2M |
| Corbin Banking Center Branch | Corbin , KY | 40701 | $25.9M |
| Halls Branch | Knoxville , TN | 37938 | $24.6M |
| Powell Branch | Powell , TN | 37849 | $23.2M |
| Morristown Branch (Millennium Square) | Morristown , TN | 37814 | $22.9M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| July 1, 2024 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 1, 2024 | Structure Change | Acquired Alliance Bank & Trust Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 1, 2020 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 1, 2020 | Structure Change | Acquired First National Bank and Trust Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 1, 2018 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 2018 | Structure Change | Acquired Citizens Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 18, 2016 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 18, 2016 | Structure Change | Acquired National Bank of Tennessee Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 6, 2008 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 6, 2008 | Structure Change | Acquired The Union National Bank and Trust Company of Barbourville Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 1, 2001 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 1, 2001 | Structure Change | Acquired Middlesboro Federal Bank, FSB Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 23, 1986 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 23, 1986 | Structure Change | Acquired Union County Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 14 events, scroll the table for the full history.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.5% of deposits in TN, rank 35 of 165 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 299 applications, 255 loans originated, $64.6M originated, across 6 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $190K approved, $190K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Commercial Bank
What are Commercial Bank's total assets?
As of the Q2 2026 filing, Commercial Bank reported total assets of $2.36 billion in its FFIEC call report.
Where is Commercial Bank headquartered?
It is headquartered in Harrogate, TN, United States.
When was Commercial Bank founded?
It was established in 1976, per the FDIC institution directory.
Is Commercial Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #22354). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Commercial Bank?
Commercial Bank's primary federal regulator is the Federal Reserve.
What is Commercial Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 13.02% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Commercial Bank operate?
It operates 40 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Commercial Bank's Texas Ratio?
Its Texas Ratio is 2.68% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was Commercial Bank previously called?
The charter now named Commercial Bank has also operated as Commercial Bank of Claiborne County (1979-1986), per FDIC structure-change records.
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