Commercial Banking Company: Deposit Base
Data as of · Call Report Schedules RC-E and RC-O How we update
How the bank is funded. Core deposits are the stable, mostly-insured relationship money; brokered and uninsured balances are the fastest to leave. The 2023 regional bank failures were runs on uninsured deposits, which is why that share now gets read first.
Time deposits $100k to $250k climbed 145.3% in Q2 2026, from $29.7M to $72.9M. It was the largest change from Q1 2026 among the key lines here. Within Georgia, Commercial Banking Company is 49th of 122 on total deposits, $361.6M as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is $277.3M on total deposits. Commercial Banking Company sits 30% higher, at $361.6M (Q2 2026).
Deposit totals
| Line item | Q2 2026 |
|---|---|
| Total deposits | $361.6M |
| Domestic office deposits | $361.6M |
| Foreign office deposits | — |
| Deposits to total assets | 88.31% |
| Deposits to total liabilities | 97.51% |
Deposit composition
| Line item | Q2 2026 |
|---|---|
| Demand deposits | $146.8M |
| Savings deposits | $19.9M |
| Transaction accounts to domestic deposits | 47.29% |
| Time deposits | $33K |
| Time deposits under $100k | $14.7M |
| Time deposits $100k to $250k | $72.9M |
| Time deposits over $250k | $31.3M |
| Noninterest-bearing share of deposits | 33.17% |
Stability of funding
| Line item | Q2 2026 |
|---|---|
| Core deposits | $289.6M |
| Core deposits to total deposits | 80.09% |
| Insured deposits | — |
| Uninsured deposits | — |
| Uninsured deposits to total deposits | — |
| Brokered deposits | $40.7M |
| Brokered deposits to total deposits | 11.26% |
Cost of deposits
| Line item | Q2 2026 |
|---|---|
| Cost of interest-bearing deposits | 2.33% |
| Interest expense on deposits | $1.4M |
| Loans and leases to core deposits | 92.36% |
Deposit Base trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Deposit Base by quarter
| Quarter | Total deposits | Core deposits | Brokered deposits | Cost of interest-bearing deposits |
|---|---|---|---|---|
| Q3 2023 | $312.2M | 97.25% | 0.00% | 1.21% |
| Q4 2023 | $314.0M | 96.90% | 0.00% | 1.49% |
| Q1 2024 | $317.3M | 96.05% | 0.00% | 1.49% |
| Q2 2024 | $316.8M | 95.63% | 0.00% | 1.66% |
| Q3 2024 | $329.3M | 95.11% | 0.00% | 2.02% |
| Q4 2024 | $308.5M | 88.26% | 4.89% | 2.10% |
| Q1 2025 | $322.4M | 88.35% | 4.67% | 2.22% |
| Q2 2025 | $316.4M | 86.45% | 4.76% | 2.24% |
| Q3 2025 | $334.9M | 83.81% | 6.74% | 2.56% |
| Q4 2025 | $327.9M | 81.63% | 9.17% | 2.27% |
| Q1 2026 | $363.3M | 78.93% | 10.23% | 2.35% |
| Q2 2026 | $361.6M | 80.09% | 11.26% | 2.33% |
Commercial Banking Company deposit base, all the way back
Deposit Base back to 2001 · peer percentiles on every line item · Excel export
Unlock Commercial Banking Company, freeSource: Call Report Schedules RC-E and RC-O, 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 Banking Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16246) · FFIEC NIC profile (RSSD 381932)