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Commercial Bank & Trust Co.
Paris, TN · FDIC Certificate #8660 · Chartered 05/1
Total assets
$1.08B
Total deposits
$971.96M
Total equity
$98.36M
Net loans
$631.28M
Branches (offices)
10
Net income (YTD)
$6.88M
Rank: #974 of 4,213 U.S. banks by assets · #29 of 109 in Tennessee. Assets changed -2.6% and deposits -4.0% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.26% |
| Return on equity | 14.34% |
| Net interest margin (YTD) | 3.52% |
| Equity to assets | 9.11% |
| Tier 1 leverage ratio | 12.08% |
| Uninsured deposits (share of deposits) | 37.5% |
| Noncurrent loans (share of loans) | 0.15% |
| Net charge-offs (share of loans) | 0.05% |
| Loans to deposits | 64.9% |
| Real estate loans (share of loans) | 74.5% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $470.20M | 74.5% | |
| Commercial & industrial | $107.23M | 17.0% | |
| Consumer / individual | $22.62M | 3.6% | |
| Construction & development | $23.66M | 3.7% | |
| Agricultural | $18.79M | 3.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $1.11B | $1.05B | $7.50M | $55.91M |
| Jun 2023 | $1.04B | $959.36M | $8.28M | $68.70M |
| Jun 2024 | $1.04B | $952.00M | $5.20M | $77.19M |
| Jun 2025 | $1.11B | $1.01B | $5.56M | $86.97M |
| Jun 2026 | $1.08B | $971.96M | $6.88M | $98.36M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Tennessee | $971.96M | 10 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $971.96M.
Similar-sized banks
Bank Of Wisconsin Dells ($1.08B) · Insbank ($1.08B)
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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