Commercial Bank & Trust Company (Paris, TN)
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Data as of · sourced from FFIEC call reports. How we update
Commercial Bank & Trust Company is an FDIC-insured commercial bank headquartered in Paris, TN, established in 1877 (FDIC certificate 8660), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $1.08B, down 2.6% from Q2 2025, the 29th largest of 109 banks headquartered in Tennessee. Its CET1 capital ratio was 19.46% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 8660
- Headquarters
- Paris, TN
- Established
- 1877
- Total assets, Q2 2026
- $1.08B
- Assets vs Q2 2025
- -2.6%
- CET1 ratio, Q2 2026
- 19.46%
- Domestic offices
- 11 FDIC institution directory, current count
- Routing number
- 084301107
- Latest call report
- Q2 2026, FFIEC 051 · Commercial Bank & Trust Company call report
- Holding company
- COMMERCIAL HOLDING COMPANY
- Asset rank in state
- 29th of 109 in Tennessee
Commercial Bank & Trust Company carries far more capital than most banks of its size. Based in Paris, Tennessee, it had $1.1 billion in assets at June 30, 2026, down 2.6% from a year earlier. It holds common equity equal to 19.46% of its risk-weighted assets, higher than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median 13.52%). It also lost 4.0% of its deposits over the year, lower than about 9 in 10 banks its size (median 5.1%).
Net income for the quarter rose 25% from a year earlier, to $3.6 million. Over the same year, loans grew 7.5% and deposits shrank 4.0%. One more trend to watch: delinquency has appeared in its $71 million non-owner-occupied commercial real estate book: 0.86% of those loans are past due or on nonaccrual, against almost none a year earlier.
As of June 30, 2026, Commercial Bank & Trust Company reported a CET1 capital ratio of 19.46%, a return on assets of 1.35%, a nonperforming-loan ratio of 0.15% and a Texas ratio of 0.94%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Commercial Bank & Trust Company is the 29th largest of the 109 banks headquartered in Tennessee. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 1.5% to $1.08B, loans rose 3.9% and deposits fell 2.0%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 44.1% of total loans, followed by commercial and industrial loans at 16.7%. Its 10 offices in the FDIC Summary of Deposits are in 4 cities in TN; its Memphis 2 offices book 34% of its branch deposits. On its Q2 2026 call report, Commercial Bank & Trust Company meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 101 N Poplar St, Paris, TN 38242
- County
- Henry
- Metro Area
- Paris, TN
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- May 15, 1877
- Domestic offices
- 11 FDIC institution directory, current count
- Employees (FTE)
- 194
- Domestic deposits
- $972.0M
- Allowance for credit losses
- $9.3M
- Net charge-offs (YTD)
- $172K
- Average total assets
- $1.08B
- Average total loans
- $632.4M
- Average interest-bearing deposits
- $845.8M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 8660
- Fed RSSD
- 467658
- Website
- cbtcnet.com →
- Parent Holding Company
- COMMERCIAL HOLDING COMPANY (RSSD 1099382)
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 & Trust Company's total assets moved between a low of $1.02B (Q1 2024) and a high of $1.11B (Q2 2025) from Q3 2023 to Q2 2026, and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$1.08B total assets against $1.11B; $981.3M total liabilities against $1.02B.
$631.3M net loans and leases against $587.9M; $972.0M total deposits against $1.01B.
$318.1M securities against $335.6M; $75.7M cash and balances due against $128.7M.
$12.9M total interest income against $12.9M; $3.6M total interest expense against $4.4M.
$9.3M net interest income against $8.5M.
$3.0M total noninterest income against $2.8M; $8.0M total noninterest expense against $8.1M.
$425K provision for credit losses against $84K.
$3.6M net income against $2.9M.
1.35% return on assets against 1.07%; 3.63% net interest margin against 3.27%.
19.46% CET1 capital ratio against 19.40%; 12.08% tier 1 leverage ratio against 11.47%.
Inside the full Commercial Bank & Trust Company terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeCommercial Bank & Trust Company rankings
Its closest position to the top of a national ranking is 371 of 2,134, for CET1 ratio; its furthest is 2,710 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.98% (Q1 2025) to 1.67% (Q4 2025) and its net interest margin ran from 3.13% (Q1 2025) to 3.63% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 19.46% | 1.35% | 0.15% | 0.94% | 3.63% |
| Q1 2026 | 19.69% | 1.20% | 0.17% | 1.04% | 3.46% |
| Q4 2025 | 19.08% | 1.67% | 0.16% | 1.02% | 3.45% |
| Q3 2025 | 19.21% | 1.43% | 0.06% | 0.35% | 3.33% |
| Q2 2025 | 19.40% | 1.07% | 0.02% | 0.20% | 3.27% |
| Q1 2025 | 19.51% | 0.98% | 0.03% | 0.24% | 3.13% |
| Q4 2024 | 19.17% | 1.11% | 0.03% | 0.21% | 3.16% |
| Q3 2024 | 20.60% | 1.03% | 0.04% | 0.25% | 3.15% |
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Branch Network
View all 10 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 |
|---|---|---|---|
| Mendenhall Branch | Memphis , TN | 38117 | $244.9M |
| Commercial Bank & Trust Co. | Paris , TN | 38242 | $235.4M |
| Union City Main Branch | Union City , TN | 38261 | $102.7M |
| Oil Well Branch | Jackson , TN | 38305 | $89.8M |
| Memphis Branch | Memphis , TN | 38104 | $89.7M |
| Mineral Wells Avenue Branch | Paris , TN | 38242 | $82.4M |
| Commercial Bank & Trust Co. Branch | Jackson , TN | 38305 | $71.3M |
| Reelfoot Avenue Branch | Union City , TN | 38261 | $54.2M |
| East Wood Street Branch | Paris , TN | 38242 | $1.6M |
| Commercial Bank & Trust Co. Mobile Branch | Jackson , TN | 38305 | $0 |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.4% of deposits in TN, rank 42 of 165 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $1.1M approved, $1.1M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2019 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), 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 & Trust Company
What are Commercial Bank & Trust Company's total assets?
As of the Q2 2026 filing, Commercial Bank & Trust Company reported total assets of $1.08 billion in its FFIEC call report.
Where is Commercial Bank & Trust Company headquartered?
It is headquartered in Paris, TN, United States.
When was Commercial Bank & Trust Company founded?
It was established in 1877, per the FDIC institution directory.
Is Commercial Bank & Trust Company FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #8660). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Commercial Bank & Trust Company?
Commercial Bank & Trust Company's primary federal regulator is the FDIC.
What is Commercial Bank & Trust Company's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 19.46% 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 & Trust Company operate?
It operates 11 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 & Trust Company's Texas Ratio?
Its Texas Ratio is 0.94% 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.
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