The Commercial Bank (Honea Path, SC)
BankRegReports is independent of The Commercial Bank and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
The Commercial Bank is an FDIC-insured commercial bank headquartered in Honea Path, SC, established in 1934 (FDIC certificate 14642), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $284.2M, up 8.9% from Q2 2025, the 31st largest of 43 banks headquartered in South Carolina. It reports no CET1 ratio; its Tier 1 leverage ratio was 12.65% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 14642
- Headquarters
- Honea Path, SC
- Established
- 1934
- Total assets, Q2 2026
- $284.2M
- Assets vs Q2 2025
- +8.9%
- Tier 1 leverage ratio, Q2 2026
- 12.65%
- Domestic offices
- 8 FDIC institution directory, current count
- Routing number
- 053206961
- Holding company
- COMMERCIAL BANK SHARES, INC.
- Asset rank in state
- 31st of 43 in South Carolina
The Commercial Bank, based in Honea Path, South Carolina, reported $284 million in assets at June 30, 2026, up 8.9% from a year earlier. It keeps 3.01 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 3.95 cents). On the other hand, it pays an average of 1.02% on its deposits and borrowings, lower than about 9 in 10 banks its size (median 1.80%).
Earnings jumped: net income for the quarter was $598,000, 31% above the same quarter a year earlier. Unrealized losses on its securities total $7.4 million, equal to 21% of Tier 1 capital, against 24% a year earlier. Costs are the weak spot: it spends about 73 cents to bring in each dollar of revenue, higher than about three-quarters of banks its size (median 61 cents).
As of June 30, 2026, The Commercial Bank reported a return on assets of 0.85%, a nonperforming-loan ratio of 0.75% and a Texas ratio of 3.15%. The figures come from its call report filed with the FFIEC.
The Commercial Bank ranks as the 31st largest of the 43 banks based in South Carolina, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 1.9% to $284.2M, loans rose 3.4% and deposits fell 2.4%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 57.4% of total loans, ahead of owner-occupied commercial real estate loans at 13.4%. The FDIC Summary of Deposits lists 8 offices for it, in 7 cities in SC; its Honea Path 2 offices book 36% of its branch deposits. On its Q2 2026 call report, The Commercial Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 4 Church St, Honea Path, SC 29654
- County
- Anderson
- Metro Area
- Greenville-Anderson-Greer, SC
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- No
- Federal Reserve district
- District 5, Richmond
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- May 14, 1934
- Domestic offices
- 8 FDIC institution directory, current count
- Employees (FTE)
- 62
- Domestic deposits
- $251.4M
- Allowance for credit losses
- $1.2M
- Net charge-offs (YTD)
- -$1K
- Average total assets
- $281.1M
- Average total loans
- $99.7M
- Average interest-bearing deposits
- $168.0M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 7, 1934
- FDIC Cert
- 14642
- Fed RSSD
- 349129
- Website
- www.thecommercialbanksc.com →
- Parent Holding Company
- COMMERCIAL BANK SHARES, INC. (RSSD 1248742)
Profitability
Q2 annualizedBalance 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. As a community bank leverage ratio filer, The Commercial Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
The Commercial Bank's total assets moved between a low of $247.2M (Q2 2024) and a high of $289.6M (Q1 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
$284.2M total assets against $260.9M; $260.8M total liabilities against $240.4M.
$101.2M net loans and leases against $94.7M; $251.4M total deposits against $238.8M.
$129.8M securities against $130.9M; $40.9M cash and balances due against $23.7M.
$2.7M total interest income against $2.4M; $669K total interest expense against $591K.
$2.0M net interest income against $1.8M.
$325K total noninterest income against $351K; $1.7M total noninterest expense against $1.6M.
$6K provision for credit losses against $12K.
$598K net income against $456K.
0.85% return on assets against 0.70%; 3.01% net interest margin against 2.97%.
12.65% tier 1 leverage ratio against 13.30%.
Inside the full The 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.
Held-to-maturity securities carry unrealized losses equal to more than a quarter of book equity. Because HTM is held at amortized cost, these losses are not reflected in reported capital, the dynamic that masked Silicon Valley Bank's insolvency before its March 2023 failure. BankRegReports analysis, HTM marks aren't a reported regulatory metric.
The Commercial Bank rankings
Its closest position to the top of a national ranking is 1,822 of 3,640, for Texas Ratio; its furthest is 2,920 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.68% (Q4 2024) to 0.92% (Q4 2025) and its net interest margin ran from 2.81% (Q4 2024) to 3.14% (Q3 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.65% | 0.85% | 0.75% | 3.15% | 3.01% |
| Q1 2026 | 12.79% | 0.69% | 0.79% | 3.31% | 2.93% |
| Q4 2025 | 13.51% | 0.92% | 0.93% | 4.10% | 3.14% |
| Q3 2025 | 13.32% | 0.83% | 0.73% | 3.15% | 3.14% |
| Q2 2025 | 13.30% | 0.70% | 0.65% | 2.86% | 2.97% |
| Q1 2025 | 13.31% | 0.77% | 0.41% | 1.81% | 2.95% |
| Q4 2024 | 13.43% | 0.68% | 0.35% | 1.57% | 2.81% |
| Q3 2024 | 13.65% | 0.79% | 0.47% | 2.14% | 2.86% |
Swipe the table sideways to see every column.
Branch Network
View all 8 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 |
|---|---|---|---|
| The Commercial Bank | Honea Path , SC | 29654 | $91.0M |
| Belton Branch | Belton , SC | 29627 | $52.0M |
| South Greenville Branch | Piedmont , SC | 29673 | $51.2M |
| Due West Branch | Due West , SC | 29639 | $23.7M |
| Greenwood Branch | Greenwood , SC | 29649 | $12.3M |
| Donalds Branch | Donalds , SC | 29638 | $11.2M |
| Ware Shoals Branch | Ware Shoals , SC | 29692 | $9.9M |
| Church Street | Honea Path , SC | 29654 | $0 |
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 |
|---|---|---|---|
| November 30, 1947 | Structure Change | Acquired Peoples 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 1 event.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in SC, rank 50 of 73 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 42 applications, 38 loans originated, $5.2M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- Not on file
- Enforcement actions, SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
Add this badge to your website
Free to use. It shows The Commercial Bank’s latest filed figures and updates each quarter.
Similar banks
Compare The Commercial Bank with peers
Frequently asked about The Commercial Bank
What are The Commercial Bank's total assets?
As of the Q2 2026 filing, The Commercial Bank reported total assets of $284.2 million in its FFIEC call report.
Where is The Commercial Bank headquartered?
It is headquartered in Honea Path, SC, United States.
When was The Commercial Bank founded?
It was established in 1934, per the FDIC institution directory.
Is The Commercial Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #14642). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Commercial Bank?
The Commercial Bank's primary federal regulator is the FDIC.
How many branches does The Commercial Bank operate?
It operates 8 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The Commercial Bank's Texas Ratio?
Its Texas Ratio is 3.15% 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.
Go deeper on The Commercial Bank.
Get an email when The Commercial Bank files its next call report, and benchmark it against any peer you choose.
Unlock The Commercial Bank, freeFree account