Commercial Bank

BankHarrogate, Tennessee
www.cbtn.com

Total Assets

$2.3B

Total Deposits

$1.9B

Branches

40

Established

1976

TFS Health Grade

$
C

75.5 / 100

Average financial health

How we grade

Commercial Bank is a bank headquartered in Harrogate, Tennessee, established in 1976. With $2.3B in total assets and 40 branch locations, it has a TFS Financial Health Grade of C (75.5/100).

Capital & Safety

Tier 1 Capital Ratio
10.78%(8%)
Total Capital Ratio
13.48%(10%)
Non-Performing Loan Ratio
0.34%

Profitability

Return on Assets (ROA)
1.76%(1%)
Return on Equity (ROE)
15.95%(10%)
Net Interest Margin
3.94%
Efficiency Ratio
42.99%(60%)

Lending & Liquidity

Total Loans
$1.9B
Loan-to-Deposit Ratio
99.27%
Net Charge-Off Ratio
0.03%

Growth

Asset Growth (YoY)
-0.41%
Deposit Growth (YoY)
-4.28%
Net Income
$39.4M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

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