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Commercial Bank

Harrogate, TN · Cert 22354 · Commercial Bancgroup Inc.

State charter, Fed member · FED · 36 branches

Q2 2026

$2.4BAssets
$1.9BLoans
$1.9BDeposits
$261.9MEquity
Loan mix
92%RE $1.7B7%C&I $0.1B1%Consumer $0.0BQ2 2025Q2 2026
Deposit mix
76%Interest-bearing $1.4B24%Noninterest $0.5BQ2 2025Q2 2026

NIM

5.46%Q2 ’245.53%Q2 ’255.35%Q2 ’26+6%+4%

Non-interest income vs. expense

1.79%Q2 ’241.84%Q2 ’251.79%Q2 ’26+5%-6%

Market Position · Knoxville, TN · 2026 SOD (annual) · 0.9% share · #19 of 42 inst. · $0.2B of $26.6B

53.2% Claiborne
18.3% Laurel
26.4% Cocke
32.5% Knox

Executive Summary

  • Earnings: ROA of 1.82%, up 1 bps year over year; NIM at 3.84%.
  • Asset quality: problem loans at 0.35% of loans (+2 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 11.58%, up 36 bps from a year ago.
  • Funding: loans stand at 101.18% of deposits as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.82%+1 bps YoY

Net Interest Margin (quarter, annualized)

3.84%+13 bps YoY

Efficiency Ratio (quarter, annualized)

40.29%-269 bps YoY

Tier 1 Leverage Ratio

11.58%+36 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.81%1.81%1.87%1.81%1.82%+1 bps
Return on Equity16.39%15.64%16.60%16.88%16.57%+18 bps
Net Interest Margin3.70%3.89%3.81%3.68%3.84%+13 bps
Efficiency Ratio42.98%43.30%41.48%41.32%40.29%-269 bps
Non-Interest Burden1.42%1.48%1.39%1.33%1.34%-8 bps
Growth
Asset Growth (YoY)14.12%-1.81%-0.38%2.79%5.24%-888 bps
Loan Growth (YoY)16.97%1.01%3.72%5.46%8.42%-855 bps
Deposit Growth (YoY)15.13%-6.00%-4.28%1.27%2.95%-1,218 bps
Asset Quality
Nonperforming Loans / Loans0.33%0.31%0.34%0.31%0.35%+2 bps
Net Charge-Offs / Loans0.03%0.01%0.06%-0.02%0.00%-2 bps
Allowance / Loans1.01%1.02%0.97%0.97%0.97%-4 bps
Allowance Coverage of NPLs3.1x3.3x2.9x3.1x2.8x-0.3x
Capital
Tier 1 Leverage Ratio11.22%12.03%10.80%11.14%11.58%+36 bps
Total Risk-Based Capital14.58%15.16%13.51%14.02%13.97%-62 bps
Equity / Assets11.26%11.92%10.62%10.88%11.12%-14 bps
Liquidity & Funding
Loans / Deposits96.08%98.54%100.23%97.56%101.18%+510 bps
Liquid Assets / Assets9.93%9.62%8.39%9.80%9.91%-2 bps
CRE / Total Capitaln/a465%540%524%n/an/a