Commercial Banking Company
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Data as of · sourced from FFIEC call reports. How we update
Commercial Banking Company is an FDIC-insured savings institution headquartered in Valdosta, GA, established in 1934 (FDIC certificate 16246), and it is supervised by the OCC. At Q2 2026 it reported total assets of $409.5M, up 14.8% from Q2 2025, the 53rd largest of 121 banks headquartered in Georgia. Its CET1 capital ratio was 14.43% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Savings institution
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 16246
- Headquarters
- Valdosta, GA
- Established
- 1934
- Total assets, Q2 2026
- $409.5M
- Assets vs Q2 2025
- +14.8%
- CET1 ratio, Q2 2026
- 14.43%
- Domestic offices
- 5 FDIC institution directory, current count
- Routing number
- 061211171
- Latest call report
- Q2 2026, FFIEC 051 · Commercial Banking Company call report
- Holding company
- LOWNDES BANCSHARES, INC.
- Asset rank in state
- 53rd of 121 in Georgia
Commercial Banking Company, based in Valdosta, Georgia, reported $410 million in assets at June 30, 2026, up 14.8% from a year earlier. It grew deposits 14.3% over the year, 3.5 times the median of 4.0% for the 2,660 banks with $100 million to $1 billion in assets. It also keeps 4.74 cents of net interest income on every dollar of earning assets, higher than about three-quarters of banks its size (median 3.95 cents).
Net income for the quarter rose 17% from a year earlier, to $1.9 million.
As of June 30, 2026, Commercial Banking Company reported a CET1 capital ratio of 14.43%, a return on assets of 1.88%, a nonperforming-loan ratio of 0.04% and a Texas ratio of 0.29%. The figures come from its call report filed with the FFIEC.
Of the 121 banks headquartered in Georgia, Commercial Banking Company is the 53rd largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 0.2% to $409.5M, loans rose 1.5% and deposits fell 0.4%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 36.2% of total loans, ahead of owner-occupied commercial real estate loans at 20.4%. Its 5 offices in the FDIC Summary of Deposits are in 4 cities in GA; its Valdosta 2 offices book 63% of its branch deposits. On its Q2 2026 call report, Commercial Banking Company meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 3462 N Valdosta Rd, Valdosta, GA 31602
- County
- Lowndes
- Metro Area
- Valdosta, GA
- Charter
- Federal savings bank, federal charter, OCC-supervised (pre-2011 OTS)
- Primary Regulator
- OCC
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- —
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1934
- Domestic offices
- 5 FDIC institution directory, current count
- Employees (FTE)
- 75
- Domestic deposits
- $361.6M
- Allowance for credit losses
- $3.9M
- Net charge-offs (YTD)
- $3K
- Average total assets
- $400.1M
- Average total loans
- $302.8M
- Average interest-bearing deposits
- $228.5M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- November 15, 1995
- FDIC Cert
- 16246
- Fed RSSD
- 381932
- Website
- www.cbcbank.com →
- Parent Holding Company
- LOWNDES BANCSHARES, INC. (RSSD 3839340)
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
From Q3 2023 to Q2 2026, Commercial Banking Company's total assets ranged from $344.5M (Q4 2024) to $409.5M (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
$409.5M total assets against $356.7M; $370.9M total liabilities against $320.5M.
$301.2M net loans and leases against $257.3M; $361.6M total deposits against $316.4M.
$37.3M securities against $39.5M; $49.3M cash and balances due against $38.1M.
$6.0M total interest income against $5.3M; $1.5M total interest expense against $1.1M.
$4.5M net interest income against $4.2M.
$1.1M total noninterest income against $765K; $3.2M total noninterest expense against $2.8M.
$60K provision for credit losses against $45K.
$1.9M net income against $1.6M.
1.88% return on assets against 1.78%; 4.74% net interest margin against 4.90%.
14.43% CET1 capital ratio against 16.30%; 10.32% tier 1 leverage ratio against 10.97%.
Inside the full Commercial Banking Company terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeCommercial Banking Company rankings
Its closest position to the top of a national ranking is 638 of 3,611, for ROA; its furthest is 3,100 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.51% (Q4 2024) to 2.04% (Q1 2026) and its net interest margin ran from 4.74% (Q2 2026) to 5.14% (Q4 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.43% | 1.88% | 0.04% | 0.29% | 4.74% |
| Q1 2026 | 14.26% | 2.04% | 0.04% | 0.31% | 4.79% |
| Q4 2025 | 14.81% | 1.70% | 0.06% | 0.89% | 5.14% |
| Q3 2025 | 14.70% | 1.95% | 0.12% | 0.88% | 5.01% |
| Q2 2025 | 16.30% | 1.78% | 0.03% | 1.11% | 4.90% |
| Q1 2025 | 16.49% | 1.62% | 0.07% | 0.44% | 4.80% |
| Q4 2024 | 16.53% | 1.51% | 0.04% | 0.26% | 5.01% |
| Q3 2024 | 17.26% | 1.61% | 0.06% | 0.39% | 4.78% |
Swipe the table sideways to see every column.
Branch Network
View all 5 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 Banking Company (main office) | Valdosta , GA | 31602 | $189.2M |
| Moultrie Branch | Moultrie , GA | 31768 | $73.7M |
| Valdosta Branch | Valdosta , GA | 31602 | $39.7M |
| Tifton Branch | Tifton , GA | 31794 | $38.8M |
| Hahira Branch | Hahira , GA | 31632 | $20.2M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in GA, rank 70 of 177 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 175 applications, 153 loans originated, $29.4M originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 2 loans, $317K approved, $158K 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 Banking Company
What are Commercial Banking Company's total assets?
As of the Q2 2026 filing, Commercial Banking Company reported total assets of $409.5 million in its FFIEC call report.
Where is Commercial Banking Company headquartered?
It is headquartered in Valdosta, GA, United States.
When was Commercial Banking Company founded?
It was established in 1934, per the FDIC institution directory.
Is Commercial Banking Company FDIC-insured?
Yes. It is an FDIC-insured savings institution (FDIC Certificate #16246). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Commercial Banking Company?
Commercial Banking Company's primary federal regulator is the OCC.
What is Commercial Banking Company's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 14.43% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Commercial Banking Company operate?
It operates 5 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Commercial Banking Company's Texas Ratio?
Its Texas Ratio is 0.29% 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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