Commercial Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans dropped 31.62 percentage points in Q2 2026, from 312.73% to 281.11%. It was the largest change from Q1 2026 among the key lines here. Within Tennessee, Commercial Bank is 17th of 109 on return on assets, 1.89% as of Q2 2026, above the middle of the field. The median for banks in the $1B-10B asset tier is 1.28% on return on assets. Commercial Bank sits 0.61 points higher, at 1.89% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 13.02% |
| Tier 1 risk-based capital ratio | 13.02% |
| Total risk-based capital ratio | 13.97% |
| Tier 1 leverage ratio | 11.58% |
| Equity capital to assets | 11.12% |
| Tangible equity to tangible assets | 10.99% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.35% |
| Non-performing assets ratio | 0.31% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 2.68% |
| Allowance for credit losses to loans | 0.97% |
| Reserve coverage of non-performing loans | 281.11% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.89% |
| Return on equity | 16.57% |
| Net interest margin | 4.04% |
| Efficiency ratio | 40.22% |
| Yield on earning assets | 5.64% |
| Cost of funds | 1.73% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 101.18% |
| Core deposits to total deposits | 91.43% |
| Brokered deposits to total deposits | 2.91% |
| Deposits to assets | 80.91% |
| Securities to assets | 5.64% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 11.99% | 11.99% | 12.86% | 10.07% | 1.66% |
| Q4 2023 | 12.35% | 12.35% | 13.24% | 10.33% | 1.81% |
| Q1 2024 | 12.47% | 12.47% | 13.36% | 10.45% | 1.73% |
| Q2 2024 | 12.47% | 12.47% | 13.34% | 10.59% | 1.80% |
| Q3 2024 | 12.88% | 12.88% | 13.87% | 10.82% | 1.73% |
| Q4 2024 | 12.48% | 12.48% | 13.45% | 10.56% | 1.48% |
| Q1 2025 | 13.03% | 13.03% | 14.01% | 10.63% | 1.60% |
| Q2 2025 | 13.60% | 13.60% | 14.58% | 11.22% | 1.82% |
| Q3 2025 | 14.17% | 14.17% | 15.16% | 12.03% | 1.87% |
| Q4 2025 | 12.55% | 12.55% | 13.51% | 10.80% | 1.89% |
| Q1 2026 | 13.05% | 13.05% | 14.02% | 11.14% | 1.85% |
| Q2 2026 | 13.02% | 13.02% | 13.97% | 11.58% | 1.89% |
Commercial Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Commercial Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Commercial Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 22354) · FFIEC NIC profile (RSSD 497039)