Harrogate, TN · Cert 22354 · Commercial Bancgroup Inc.
State charter, Fed member · FED · 36 branches
Q2 2026
Market Position · Knoxville, TN · 2026 SOD (annual) · 0.9% share · #19 of 42 inst. · $0.2B of $26.6B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.74% | 1.67% | 1.60% | 1.70% | 1.74% | 1.77% | 1.81% | 1.82% | +11 bps | |
| Return on Equity | 16.85% | 16.13% | 15.05% | 15.71% | 15.68% | 16.05% | 16.88% | 16.72% | +101 bps | |
| Net Interest Margin | 3.22% | 3.29% | 3.52% | 3.64% | 3.82% | 3.73% | 3.68% | 3.75% | +10 bps | |
| Efficiency Ratio | 44.39% | 44.63% | 44.28% | 43.62% | 43.51% | 42.99% | 41.32% | 40.80% | -283 bps | |
| Non-Interest Burden | 1.24% | 1.29% | 1.40% | 1.43% | 1.48% | 1.43% | 1.33% | 1.33% | -9 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 16.95% | 18.12% | 16.01% | 14.12% | -1.81% | -0.38% | 2.79% | 5.24% | -888 bps | |
| Loan Growth (YoY) | 21.14% | 22.26% | 19.96% | 16.97% | 1.01% | 3.72% | 5.46% | 8.42% | -855 bps | |
| Deposit Growth (YoY) | 20.35% | 21.11% | 18.56% | 15.13% | -6.00% | -4.28% | 1.27% | 2.95% | -1,218 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.32% | 0.28% | 0.27% | 0.33% | 0.31% | 0.34% | 0.31% | 0.35% | +2 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.02% | 0.02% | 0.02% | 0.02% | 0.03% | -0.02% | -0.01% | -3 bps | |
| Allowance / Loans | 1.05% | 1.01% | 1.02% | 1.01% | 1.02% | 0.97% | 0.97% | 0.97% | -4 bps | |
| Allowance Coverage of NPLs | 3.3x | 3.6x | 3.8x | 3.1x | 3.3x | 2.9x | 3.1x | 2.8x | -0.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.82% | 10.56% | 10.63% | 11.22% | 12.03% | 10.80% | 11.14% | 11.58% | +36 bps | |
| Total Risk-Based Capital | 13.87% | 13.45% | 14.01% | 14.58% | 15.16% | 13.51% | 14.02% | 13.97% | -62 bps | |
| Equity / Assets | 10.66% | 10.46% | 10.84% | 11.26% | 11.92% | 10.62% | 10.88% | 11.12% | -14 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 91.70% | 92.51% | 93.69% | 96.08% | 98.54% | 100.23% | 97.56% | 101.18% | +510 bps | |
| Liquid Assets / Assets | 12.01% | 10.70% | 10.25% | 9.93% | 9.62% | 8.39% | 9.80% | 9.91% | -2 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 465% | 540% | 524% | n/a | n/a | |