Commercial Bank & Trust Co. (FDIC certificate #8660) is based in Paris, Tennessee. Its Q2 2026 call report shows $1.1B in total assets and $972.0M in deposits and 11 offices.
Based on its Q2 2026 filing, Commercial Bank & Trust Co. scores 80/100, which we describe as strong. That is higher than 90% of 897 banks with $1 billion – $10 billion. Among 109 banks headquartered in Tennessee, it ranks 17th. Its strongest component is problem-loan coverage (98/100; 0.9%), and its lowest is funding & liquidity (70/100; 65% loans-to-deposits, 37% uninsured).
TellerScore · Q2 2026
Scorecard
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
From Q2 2025 to Q2 2026, the score rose 2 points (78 → 80), mostly because the earnings component improved by 10 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 80 |
| Q3 2024 | 80 |
| Q4 2024 | 77 |
| Q1 2025 | 78 |
| Q2 2025 | 78 |
| Q3 2025 | 79 |
| Q4 2025 | 79 |
| Q1 2026 | 79 |
| Q2 2026 | 80 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 12.10% |
| Q3 2024 | 12.08% |
| Q4 2024 | 11.43% |
| Q1 2025 | 11.58% |
| Q2 2025 | 11.47% |
| Q3 2025 | 11.78% |
| Q4 2025 | 11.58% |
| Q1 2026 | 11.86% |
| Q2 2026 | 12.08% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.03% |
| Q3 2024 | 0.04% |
| Q4 2024 | 0.03% |
| Q1 2025 | 0.03% |
| Q2 2025 | 0.02% |
| Q3 2025 | 0.06% |
| Q4 2025 | 0.16% |
| Q1 2026 | 0.17% |
| Q2 2026 | 0.15% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.00% |
| Q3 2024 | 1.01% |
| Q4 2024 | 1.04% |
| Q1 2025 | 0.97% |
| Q2 2025 | 1.02% |
| Q3 2025 | 1.15% |
| Q4 2025 | 1.28% |
| Q1 2026 | 1.18% |
| Q2 2026 | 1.26% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 80 | $1.1B | 12.08% | 0.15% | 1.26% | 64.9% |
| Q1 2026 | 79 | $1.1B | 11.86% | 0.17% | 1.18% | 61.3% |
| Q4 2025 | 79 | $1.1B | 11.58% | 0.16% | 1.28% | 62.2% |
| Q3 2025 | 79 | $1.1B | 11.78% | 0.06% | 1.15% | 60.2% |
| Q2 2025 | 78 | $1.1B | 11.47% | 0.02% | 1.02% | 58.1% |
| Q1 2025 | 78 | $1.1B | 11.58% | 0.03% | 0.97% | 57.3% |
| Q4 2024 | 77 | $1.1B | 11.43% | 0.03% | 1.04% | 57.0% |
| Q3 2024 | 80 | $1.1B | 12.08% | 0.04% | 1.01% | 58.4% |
| Q2 2024 | 80 | $1.0B | 12.10% | 0.03% | 1.00% | 59.1% |
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).
Similar-size banks in Tennessee
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| InsBankBank Nashville, TN | 68 out of 100, Moderate | $1.1B | 10.2% | 0.24% | vs |
| Centennial BankBank Trezevant, TN | 59 out of 100, Moderate | $1.1B | 9.8% | 1.26% | vs |
| Thread BankBank Rogersville, TN | 71 out of 100, Strong | $1.1B | 9.8% | 0.18% | vs |
| First Federal BankBank Dickson, TN | 71 out of 100, Strong | $1.1B | 10.5% | 0.52% | vs |
| Financial Federal BankBank Memphis, TN | 67 out of 100, Moderate | $1.1B | 9.9% | 0.05% | vs |
| The Bank of Fayette CountyBank Piperton, TN | 58 out of 100, Moderate | $1.1B | 9.6% | 1.09% | vs |
Deposit insurance
Is my money safe at Commercial Bank & Trust Co.?
Yes. Commercial Bank & Trust Co. is an FDIC-insured institution (FDIC certificate #8660). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 37.5% of deposits ($364.4M) are above the $250,000 FDIC insurance limit, above the peer median of 31%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 12.08%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 20.71% (benchmark: 10%).
11 locations
Branches
Commercial Bank & Trust Co. lists 9 offices in 4 cities. Most locations:
- Paris, TN (3)
- Jackson, TN (2)
- Memphis, TN (2)
- Union City, TN (2)
Identity & history
Profile
- Legal name
- Commercial Bank & Trust Co.
- Type
- State-chartered bank
- FDIC certificate #
- 8660
- RSSD ID
- 467658
- Primary regulator
- FDIC
- Holding company
- Commercial Holding Co
- Established
- May 15, 1877
- Headquarters
- 101 N Poplar St, Paris, TN 38242
- Website
- cbtcnet.com
- Employees
- 194
Quick answers
Commercial Bank & Trust Co.: common questions
Is Commercial Bank & Trust Co. FDIC insured?
Yes. Commercial Bank & Trust Co. is an FDIC-insured institution (FDIC certificate #8660). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Commercial Bank & Trust Co.'s TellerScore?
80 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 & Trust Co. ever failed?
There is no failure record for FDIC certificate #8660 in the FDIC failed bank list.
How many branches does Commercial Bank & Trust Co. have?
11 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Paris
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Johnsonville TVA Employees Credit UnionCredit union Camden, TN | 92 out of 100, Very strong | $180.7M | 16.4% | 0.73% | vs |
| Bank of GleasonBank Gleason, TN | 90 out of 100, Very strong | $138.5M | 20.9% | 0.14% | vs |
| Holley Credit UnionCredit union Paris, TN | 85 out of 100, Very strong | $105.3M | 13.8% | 0.51% | vs |
| Security Bank and Trust CompanyBank Paris, TN | 79 out of 100, Strong | $1.7B | 10.9% | 0.02% | vs |
| Foundation BankBank Mc Kenzie, TN | 75 out of 100, Strong | $217.9M | 14.7% | 2.39% | vs |
| First Federal BankBank Dickson, TN | 71 out of 100, Strong | $1.1B | 10.5% | 0.52% | vs |