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Commercial Bank, The

Honea Path, SC · Cert 14642 · Commercial Bank Shares Inc.

State charter, non-member · FDIC · 8 branches

Q2 2026

$284.2MAssets
$102.4MLoans
$251.4MDeposits
$23.3MEquity
Loan mix
86%RE $84.0M5%C&I $5.0M9%Consumer $9.0MQ3 2024Q2 2026
Deposit mix
67%Interest-bearing $167.7M33%Noninterest $83.6MQ3 2024Q2 2026

Market Position · Greenville-Anderson-Greer, SC · 2026 SOD (annual) · 0.7% share · #20 of 40 inst. · $0.2B of $26.1B

3.4% Anderson
0.3% Greenville
11.7% Abbeville
1.5% Greenwood

Executive Summary

  • Earnings: ROA of 0.68%, up 11 bps year over year; NIM at 2.87%.
  • Asset quality: problem loans at 0.75% of loans (+11 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 12.65%, down 65 bps from a year ago.
  • Funding: loans stand at 40.72% of deposits as of Q2 2026.

Return on Assets (quarter, annualized)

0.68%+11 bps YoY

Net Interest Margin (quarter, annualized)

2.87%+12 bps YoY

Efficiency Ratio (quarter, annualized)

73.02%-410 bps YoY

Tier 1 Leverage Ratio

12.65%-65 bps YoY

NIM

3.58%Q2 ’243.66%Q2 ’253.82%Q2 ’26+3%+4%

Non-interest income vs. expense

2.38%Q2 ’242.54%Q2 ’252.43%Q2 ’26+9%-1%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.65%0.56%0.63%0.57%0.68%0.75%0.56%0.68%+11 bps
Return on Equity8.91%7.51%8.40%7.44%8.47%9.01%6.99%8.54%+111 bps
Net Interest Margin2.65%2.61%2.72%2.75%2.91%2.90%2.72%2.87%+12 bps
Efficiency Ratio73.96%77.02%75.08%77.12%74.76%74.11%77.22%73.02%-410 bps
Non-Interest Burden1.83%1.90%1.90%2.00%2.04%2.01%1.99%1.97%-3 bps
Growth
Asset Growth (YoY)-0.36%2.28%5.01%5.53%5.10%3.82%10.71%8.94%+341 bps
Loan Growth (YoY)8.83%3.62%5.11%6.88%8.10%12.59%6.70%6.75%-13 bps
Deposit Growth (YoY)-1.75%1.18%4.02%4.64%4.30%-0.58%7.22%5.27%+63 bps
Asset Quality
Nonperforming Loans / Loans0.47%0.35%0.41%0.65%0.73%0.93%0.79%0.75%+11 bps
Net Charge-Offs / Loans0.05%0.03%0.00%0.03%0.04%0.07%-0.01%0.01%-3 bps
Allowance / Loans1.34%1.33%1.30%1.26%1.24%1.13%1.16%1.13%-14 bps
Allowance Coverage of NPLs2.8x3.8x3.2x2.0x1.7x1.2x1.5x1.5x-0.5x
Capital
Tier 1 Leverage Ratio13.65%13.43%13.31%13.30%13.32%13.51%12.79%12.65%-65 bps
Total Risk-Based Capital27.96%30.23%30.14%30.71%30.64%29.85%30.95%12.65%-1,806 bps
Equity / Assets7.48%7.52%7.57%7.84%8.20%8.35%7.80%8.21%+38 bps
Liquidity & Funding
Loans / Deposits39.43%38.64%38.64%40.16%40.86%43.76%38.45%40.72%+56 bps
Liquid Assets / Assets55.50%55.69%54.90%52.62%52.30%51.46%56.43%53.47%+85 bps
CRE / Total Capitaln/an/an/an/a77.83%84.89%73.16%n/an/a