Commercial Bank
Harrogate, TN · Cert 22354 · Peer group: banks $1B-$10B in assets operating regionally (n=176) · Commercial Bancgroup Inc.
State charter, Fed member · FED · 36 branches
Q2 2026
$2.4BAssets
$1.9BLoans
$1.9BDeposits
$261.9MEquity
Executive Summary
- Strongest standing: efficiency ratio outperforms 93% of banks $1B-$10B in assets operating regionally (rank 13 of 176).
- Widest gap: total risk-based capital ratio trails 44% of banks $1B-$10B in assets operating regionally (rank 78 of 176).
- Overall: at or above the peer median on 9 of 9 directional measures.
Return on Assets
1.78%
Rank 19 of 176
Net Interest Margin
3.75%
Rank 67 of 176
Efficiency Ratio
42.40%
Rank 13 of 176
Equity / Assets
11.12%
Rank 65 of 176
Non-interest income vs. expense
Unfavorable gap of $29.9M · efficiency ratio beats 93% of banks $1B-$10B in assets operating regionally | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.78% | 0.93% | 1.26% | 1.54% | Beats 89% | 19 / 176 | | |
| Return on Equity | 16.04% | 9.26% | 11.89% | 14.46% | Beats 85% | 26 / 176 | | |
| Net Interest Margin | 3.75% | 3.25% | 3.59% | 3.93% | Beats 62% | 67 / 176 | | |
| Efficiency Ratio | 42.40% | 52.79% | 59.55% | 67.66% | Beats 93% | 13 / 176 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.35% | 0.30% | 0.64% | 1.32% | Beats 70% | 53 / 176 | | |
| Net Charge-Offs / Loans | 0.00% | 0.01% | 0.04% | 0.10% | Beats 91% | 17 / 176 | | |
| Capital |
| Tier 1 Capital Ratio | 13.02% | 11.15% | 12.72% | 14.15% | Beats 56% | 78 / 176 | | |
| Total Risk-Based Capital Ratio | 13.97% | 11.81% | 13.63% | 15.33% | Beats 56% | 78 / 176 | | |
| Equity / Assets | 11.12% | 9.16% | 10.35% | 11.80% | Beats 63% | 65 / 176 | | |
| Liquidity & Funding |
| Loans / Deposits | 101.18% | 80.94% | 89.73% | 97.21% | 87th pctl | 23 / 176 | | |
| Loans / Assets | 81.87% | 69.25% | 75.12% | 80.82% | 80th pctl | 35 / 176 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |