Commercial Bank, The
Crawford, GA · Cert 175 · Peer group: banks under $1B in assets (n=573-620) · TCB Bancshares Inc.
State charter, non-member · FDIC · 5 branches
Q2 2026
$463.7MAssets
$348.2MLoans
$419.2MDeposits
$40.3MEquity
Executive Summary
- Strongest standing: return on equity outperforms 98% of banks under $1B in assets (rank 15 of 620).
- Widest gap: total risk-based capital ratio trails 84% of banks under $1B in assets (rank 520 of 620).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
2.45%
Rank 50 of 620
Net Interest Margin
4.90%
Rank 29 of 620
Efficiency Ratio
41.24%
Rank 22 of 620
Equity / Assets
8.68%
Rank 498 of 620
Non-interest income vs. expense
Unfavorable gap of $7.6M · efficiency ratio beats 97% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 2.45% | 0.60% | 1.00% | 1.45% | Beats 92% | 50 / 620 | |
| Return on Equity | 28.23% | 5.30% | 9.30% | 13.29% | Beats 98% | 15 / 620 | |
| Net Interest Margin | 4.90% | 3.02% | 3.53% | 4.04% | Beats 95% | 29 / 620 | |
| Efficiency Ratio | 41.24% | 58.35% | 68.08% | 79.37% | Beats 97% | 22 / 620 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.17% | 0.09% | 0.47% | 1.27% | Beats 68% | 183 / 573 | |
| Net Charge-Offs / Loans | 0.01% | n/a | 0.01% | 0.06% | Beats 51% | 281 / 573 | |
| Capital |
| Tier 1 Capital Ratio | 10.72% | 11.27% | 13.87% | 18.78% | Beats 18% | 507 / 620 | |
| Total Risk-Based Capital Ratio | 10.72% | 11.69% | 14.57% | 19.67% | Beats 16% | 520 / 620 | |
| Equity / Assets | 8.68% | 9.03% | 10.60% | 13.73% | Beats 20% | 498 / 620 | |
| Liquidity & Funding |
| Loans / Deposits | 83.07% | 65.08% | 79.69% | 92.47% | 55th pctl | 265 / 585 | |
| Loans / Assets | 75.08% | 51.85% | 67.17% | 77.86% | 67th pctl | 203 / 620 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |