Commercial Bank, The
Honea Path, SC · Cert 14642 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Commercial Bank Shares Inc.
State charter, non-member · FDIC · 8 branches
Q2 2026
$284.2MAssets
$102.4MLoans
$251.4MDeposits
$23.3MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 61% of banks under $1B in assets operating in a single state (rank 296 of 743).
- Widest gap: net interest margin trails 90% of banks under $1B in assets operating in a single state (rank 670 of 746).
- Overall: at or above the peer median on 1 of 9 directional measures.
Return on Assets
0.62%
Rank 599 of 746
Net Interest Margin
2.76%
Rank 670 of 746
Efficiency Ratio
75.04%
Rank 555 of 746
Equity / Assets
8.21%
Rank 630 of 746
Non-interest income vs. expense
Unfavorable gap of $5.5M · efficiency ratio beats 26% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.62% | 0.72% | 1.06% | 1.45% | Beats 20% | 599 / 746 | | |
| Return on Equity | 7.54% | 6.74% | 10.51% | 13.63% | Beats 30% | 520 / 746 | | |
| Net Interest Margin | 2.76% | 3.17% | 3.68% | 4.16% | Beats 10% | 670 / 746 | | |
| Efficiency Ratio | 75.04% | 55.74% | 64.58% | 75.47% | Beats 26% | 555 / 746 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.75% | 0.09% | 0.42% | 1.07% | Beats 34% | 488 / 743 | | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 61% | 296 / 743 | | |
| Capital |
| Tier 1 Capital Ratio | 12.65% | 11.55% | 13.75% | 17.60% | Beats 37% | 468 / 746 | | |
| Total Risk-Based Capital Ratio | 12.65% | 11.71% | 14.33% | 18.43% | Beats 33% | 497 / 746 | | |
| Equity / Assets | 8.21% | 8.90% | 10.51% | 13.06% | Beats 16% | 630 / 746 | | |
| Liquidity & Funding |
| Loans / Deposits | 40.72% | 61.31% | 78.27% | 90.78% | 5th pctl | 706 / 746 | | |
| Loans / Assets | 36.02% | 53.60% | 66.97% | 76.08% | 6th pctl | 701 / 746 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |