Commercial Banking Company
Valdosta, GA · Cert 16246 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Lowndes Bancshares Inc.
State savings bank · OCC · 2 affiliate banks · 5 branches (12 in holding)
Q2 2026
$409.5MAssets
$305.1MLoans
$361.6MDeposits
$38.6MEquity
Executive Summary
- Strongest standing: return on equity outperforms 95% of banks under $1B in assets operating in a single state (rank 34 of 746).
- Widest gap: equity / assets trails 67% of banks under $1B in assets operating in a single state (rank 503 of 746).
- Overall: at or above the peer median on 8 of 9 directional measures.
Return on Assets
1.88%
Rank 61 of 746
Net Interest Margin
4.45%
Rank 108 of 746
Efficiency Ratio
55.38%
Rank 181 of 746
Equity / Assets
9.44%
Rank 503 of 746
Non-interest income vs. expense
Unfavorable gap of $7.7M · efficiency ratio beats 76% 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 | 1.88% | 0.72% | 1.06% | 1.45% | Beats 92% | 61 / 746 | | |
| Return on Equity | 19.94% | 6.74% | 10.51% | 13.63% | Beats 95% | 34 / 746 | | |
| Net Interest Margin | 4.45% | 3.17% | 3.68% | 4.16% | Beats 86% | 108 / 746 | | |
| Efficiency Ratio | 55.38% | 55.74% | 64.58% | 75.47% | Beats 76% | 181 / 746 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.04% | 0.09% | 0.42% | 1.07% | Beats 79% | 156 / 743 | | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 71% | 223 / 743 | | |
| Capital |
| Tier 1 Capital Ratio | 14.43% | 11.55% | 13.75% | 17.60% | Beats 56% | 328 / 746 | | |
| Total Risk-Based Capital Ratio | 15.68% | 11.71% | 14.33% | 18.43% | Beats 61% | 293 / 746 | | |
| Equity / Assets | 9.44% | 8.90% | 10.51% | 13.06% | Beats 33% | 503 / 746 | | |
| Liquidity & Funding |
| Loans / Deposits | 84.37% | 61.31% | 78.27% | 90.78% | 64th pctl | 269 / 746 | | |
| Loans / Assets | 74.51% | 53.60% | 66.97% | 76.08% | 70th pctl | 225 / 746 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |