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Commercial Bank
Harrogate, TN · FDIC Certificate #22354 · Chartered 11/0
Total assets
$2.36B
Total deposits
$1.91B
Total equity
$261.90M
Net loans
$1.91B
Branches (offices)
36
Net income (YTD)
$21.01M
Rank: #527 of 4,213 U.S. banks by assets · #9 of 109 in Tennessee. Assets changed 5.2% and deposits 3.0% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.82% |
| Return on equity | 16.72% |
| Net interest margin (YTD) | 3.89% |
| Equity to assets | 11.12% |
| Tier 1 leverage ratio | 11.58% |
| Uninsured deposits (share of deposits) | 24.9% |
| Noncurrent loans (share of loans) | 0.35% |
| Net charge-offs (share of loans) | -0.01% |
| Loans to deposits | 100.2% |
| Real estate loans (share of loans) | 91.2% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $1.74B | 91.2% | |
| Commercial & industrial | $143.62M | 7.5% | |
| Consumer / individual | $12.45M | 0.7% | |
| Construction & development | $200.40M | 10.5% | |
| Agricultural | $990.00K | 0.1% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $1.69B | $1.41B | $11.67M | $175.58M |
| Jun 2023 | $1.83B | $1.44B | $16.86M | $179.17M |
| Jun 2024 | $1.96B | $1.61B | $16.83M | $201.65M |
| Jun 2025 | $2.24B | $1.85B | $19.20M | $252.00M |
| Jun 2026 | $2.36B | $1.91B | $21.01M | $261.90M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Tennessee | $1.16B | 18 |
| Kentucky | $532.91M | 14 |
| North Carolina | $211.65M | 4 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $1.91B.
Similar-sized banks
Omb Bank ($2.36B) · Bank Iowa ($2.35B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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