Commercial Bank & Trust Company: 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.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 82.03 percentage points higher than in Q1 2026, at 979.22%. Commercial Bank & Trust Company ranks 38th of 109 Tennessee banks on return on assets, in the upper half at 1.35% (Q2 2026). Commercial Bank & Trust Company reported 1.35% on return on assets for Q2 2026, 0.08 points above the 1.28% median for banks in the $1B-10B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 19.46% |
| Tier 1 risk-based capital ratio | 19.46% |
| Total risk-based capital ratio | 20.71% |
| Tier 1 leverage ratio | 12.08% |
| Equity capital to assets | 9.11% |
| Tangible equity to tangible assets | 8.76% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.15% |
| Non-performing assets ratio | 0.09% |
| Net charge-off ratio | 0.04% |
| Texas ratio | 0.97% |
| Allowance for credit losses to loans | 1.46% |
| Reserve coverage of non-performing loans | 979.22% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.35% |
| Return on equity | 15.07% |
| Net interest margin | 3.63% |
| Efficiency ratio | 64.11% |
| Yield on earning assets | 5.01% |
| Cost of funds | 1.36% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 65.91% |
| Core deposits to total deposits | 93.84% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 90.02% |
| Securities to assets | 29.46% |
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 | 18.98% | 18.98% | 20.22% | 11.70% | 1.27% |
| Q4 2023 | 19.86% | 19.86% | 21.11% | 11.76% | -3.25% |
| Q1 2024 | 20.18% | 20.18% | 21.43% | 12.19% | 1.08% |
| Q2 2024 | 19.80% | 19.80% | 21.05% | 12.10% | 0.97% |
| Q3 2024 | 20.60% | 20.60% | 21.86% | 12.08% | 1.03% |
| Q4 2024 | 19.17% | 19.17% | 20.42% | 11.43% | 1.11% |
| Q1 2025 | 19.51% | 19.51% | 20.76% | 11.58% | 0.98% |
| Q2 2025 | 19.40% | 19.40% | 20.66% | 11.47% | 1.07% |
| Q3 2025 | 19.21% | 19.21% | 20.46% | 11.78% | 1.43% |
| Q4 2025 | 19.08% | 19.08% | 20.33% | 11.58% | 1.67% |
| Q1 2026 | 19.69% | 19.69% | 20.94% | 11.86% | 1.20% |
| Q2 2026 | 19.46% | 19.46% | 20.71% | 12.08% | 1.35% |
Commercial Bank & Trust Company vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Commercial Bank & Trust Company, 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 & Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8660) · FFIEC NIC profile (RSSD 467658)