TellerScore

Commercial Bank (FDIC certificate #22354) is based in Harrogate, Tennessee. Its Q2 2026 call report shows $2.4B in total assets and $1.9B in deposits and 40 offices across 3 states.

Based on its Q2 2026 filing, Commercial Bank scores 77/100, which we describe as strong. That is higher than 83% of 897 banks with $1 billion – $10 billion. Among 109 banks headquartered in Tennessee, it ranks 28th. Its strongest component is problem-loan coverage (95/100; 2.6%), and its lowest is funding & liquidity (49/100; 100% loans-to-deposits, 25% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion66/100
Tier 1 leverage ratio: 11.58%
Loan quality88/100
Noncurrent loans ÷ total loans: 0.35%
Earnings93/100
Return on assets (annualized): 1.82%
Funding & liquidity49/100
Loans ÷ deposits and uninsured-deposit share: 100.2% · 24.9% uninsured
Problem-loan coverage95/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 2.64%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

The score has been essentially flat from Q2 2025 to Q2 2026 (76 → 77).

TellerScore
747779Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202475
Q3 202476
Q4 202475
Q1 202574
Q2 202576
Q3 202579
Q4 202575
Q1 202677
Q2 202677
Tier 1 leverage ratio
5.00%8.52%12.03%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202410.59%
Q3 202410.82%
Q4 202410.56%
Q1 202510.63%
Q2 202511.22%
Q3 202512.03%
Q4 202510.80%
Q1 202611.14%
Q2 202611.58%
Noncurrent loans
0.27%0.31%0.35%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.29%
Q3 20240.32%
Q4 20240.28%
Q1 20250.27%
Q2 20250.33%
Q3 20250.31%
Q4 20250.34%
Q1 20260.31%
Q2 20260.35%
Return on assets
1.60%1.71%1.82%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.73%
Q3 20241.74%
Q4 20241.67%
Q1 20251.60%
Q2 20251.70%
Q3 20251.74%
Q4 20251.77%
Q1 20261.81%
Q2 20261.82%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202677$2.4B11.58%0.35%1.82%100.2%
Q1 202677$2.3B11.14%0.31%1.81%96.6%
Q4 202575$2.3B10.80%0.34%1.77%99.3%
Q3 202579$2.2B12.03%0.31%1.74%97.5%
Q2 202576$2.2B11.22%0.33%1.70%95.1%
Q1 202574$2.2B10.63%0.27%1.60%92.7%
Q4 202475$2.3B10.56%0.28%1.67%91.6%
Q3 202476$2.2B10.82%0.32%1.74%90.7%
Q2 202475$2.0B10.59%0.29%1.73%93.7%

897 peers · $1 billion – $10 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio11.58%
71st
Total risk-based capital13.97%
54th
Problem loans0.35%
64th
Net charge-offs-0.01%
94th
Return on assets1.82%
83rd
Net interest margin3.89%
62nd
Efficiency ratio40.8%
91st
Loans to deposits100.2%
14th
Uninsured deposits24.9%
70th
Loan-loss reserves0.97%
28th
Texas ratio2.6%
62nd

Similar-size banks in Tennessee

InstitutionScoreAssetsCapitalProblem loansCompare
Builtwell BankBank Chattanooga, TN73 out of 100, Strong$2.3B9.7%0.57%vs
Bank of TennesseeBank Kingsport, TN67 out of 100, Moderate$2.3B9.6%0.45%vs
Home Federal Bank of TennesseeBank Knoxville, TN57 out of 100, Moderate$2.7B17.2%3.92%vs
Citizens National BankBank Sevierville, TN82 out of 100, Strong$2.0B11.2%0.04%vs
Independent BankBank Memphis, TN67 out of 100, Moderate$1.9B10.6%0.85%vs
Wellworth BankBank Lafayette, TN60 out of 100, Moderate$1.8B9.9%1.39%vs

Deposit insurance

Is my money safe at Commercial Bank?

Yes. Commercial Bank is an FDIC-insured institution (FDIC certificate #22354). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 24.9% of deposits ($475.1M) are above the $250,000 FDIC insurance limit, below the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 11.58%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 13.97% (benchmark: 10%).

Check how much of your own balance is covered

40 locations

Branches

Commercial Bank lists 34 offices in 22 cities across 3 states. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Commercial Bank reported 299 home-loan applications under HMDA (LEI 549300XQ8DRJT0OETE90): 255 originated ($64,565,000 total), 22 denied, and 20 withdrawn or closed by the applicant. Its denial rate on decided applications was 7.9%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Commercial Bank
Former names
Commercial Bank of Claiborne County
Type
State-chartered bank (Fed member)
FDIC certificate #
22354
RSSD ID
497039
Primary regulator
FED
Holding company
Commercial Bancgroup Inc
Established
November 1, 1976
Headquarters
6710 Cumberland Gap Pkwy, Harrogate, TN 37752
Employees
293

Quick answers

Commercial Bank: common questions

Is Commercial Bank FDIC insured?

Yes. Commercial Bank is an FDIC-insured institution (FDIC certificate #22354). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Commercial Bank's TellerScore?

77 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Commercial Bank ever failed?

There is no failure record for FDIC certificate #22354 in the FDIC failed bank list.

How many branches does Commercial Bank have?

40 offices as of the latest FDIC data, in 3 states.

Nearby

Highest-scoring banks and credit unions with branches near Harrogate

InstitutionScoreAssetsCapitalProblem loansCompare
Farmers and Miners BankBank Pennington Gap, VA89 out of 100, Very strong$193.2M13.3%0.32%vs
Citizens Bank and Trust Company of Grainger CountyBank Rutledge, TN85 out of 100, Very strong$273.2M14.2%0.44%vs
Community Trust Bank, Inc.Bank Pikeville, KY80 out of 100, Strong$6.9B13.4%0.58%vs
Enrichment Federal Credit UnionCredit union Oak Ridge, TN80 out of 100, Strong$984.4M12.2%0.37%vs
Arh Federal Credit UnionCredit union Middlesboro, KY79 out of 100, Strong$19.9M26.9%1.32%vs
First Century BankBank Tazewell, TN73 out of 100, Strong$809.8M9.4%0.07%vs