Commercial Bank, The
Crawford, GA · Cert 175 · Peer group: banks under $1B in assets (n=581-629) · 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 97% of banks under $1B in assets (rank 16 of 629).
- Widest gap: total risk-based capital ratio trails 84% of banks under $1B in assets (rank 530 of 629).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
2.45%
Rank 52 of 629
Net Interest Margin
4.90%
Rank 31 of 629
Efficiency Ratio
41.24%
Rank 27 of 629
Equity / Assets
8.68%
Rank 505 of 629
Non-interest income vs. expense
Unfavorable gap of $7.6M · efficiency ratio beats 96% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 2.45% | 0.60% | 1.01% | 1.45% | Beats 92% | 52 / 629 | n/a | |
| Return on Equity | 28.23% | 5.38% | 9.30% | 13.28% | Beats 97% | 16 / 629 | n/a | |
| Net Interest Margin | 4.90% | 3.03% | 3.54% | 4.05% | Beats 95% | 31 / 629 | n/a | |
| Efficiency Ratio | 41.24% | 58.35% | 67.79% | 79.08% | Beats 96% | 27 / 629 | n/a | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.17% | 0.09% | 0.46% | 1.20% | Beats 68% | 189 / 581 | n/a | |
| Net Charge-Offs / Loans | 0.01% | n/a | 0.01% | 0.06% | Beats 52% | 277 / 581 | n/a | |
| Capital |
| Tier 1 Capital Ratio | 10.72% | 11.24% | 13.84% | 18.77% | Beats 18% | 515 / 629 | n/a | |
| Total Risk-Based Capital Ratio | 10.72% | 11.58% | 14.43% | 19.66% | Beats 16% | 530 / 629 | n/a | |
| Equity / Assets | 8.68% | 9.09% | 10.65% | 13.80% | Beats 20% | 505 / 629 | n/a | |
| Liquidity & Funding |
| Loans / Deposits | 83.07% | 67.24% | 80.90% | 93.48% | 52nd pctl | 283 / 594 | n/a | |
| Loans / Assets | 75.08% | 53.31% | 67.71% | 78.15% | 66th pctl | 213 / 629 | n/a | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |