TellerScore

Commercial Banking Company (FDIC certificate #16246) is based in Valdosta, Georgia. Its Q2 2026 call report shows $409.5M in total assets and $361.6M in deposits and 5 offices.

Commercial Banking Company has a TellerScore of 79 out of 100 (strong) based on Q2 2026 data — higher than 75% of its 2,650 banks with $100 million – $1 billion. Among 124 banks headquartered in Georgia, it ranks 42nd. Loan quality contributes the most (99/100, 0.04%); capital cushion contributes the least (53/100, 10.32%).

TellerScore · Q2 2026

Scorecard

Capital cushion53/100
Tier 1 leverage ratio: 10.32%
Loan quality99/100
Noncurrent loans ÷ total loans: 0.04%
Earnings98/100
Return on assets (annualized): 1.94%
Funding & liquidity57/100
Loans ÷ deposits and uninsured-deposit share: 83.3% · 33.1% uninsured
Problem-loan coverage99/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.29%

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 (78 → 79).

TellerScore
747779Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202478
Q3 202476
Q4 202475
Q1 202577
Q2 202578
Q3 202575
Q4 202574
Q1 202679
Q2 202679
Tier 1 leverage ratio
5.00%8.01%11.03%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTier 1 leverage ratio
Q2 202411.03%
Q3 202410.37%
Q4 20249.77%
Q1 202510.76%
Q2 202510.97%
Q3 202510.34%
Q4 202510.45%
Q1 202610.19%
Q2 202610.32%
Noncurrent loans
0.03%0.08%0.12%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNoncurrent loans
Q2 20240.04%
Q3 20240.06%
Q4 20240.04%
Q1 20250.07%
Q2 20250.03%
Q3 20250.12%
Q4 20250.06%
Q1 20260.04%
Q2 20260.04%
Return on assets
1.62%1.82%2.02%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20241.66%
Q3 20241.64%
Q4 20241.64%
Q1 20251.62%
Q2 20251.71%
Q3 20251.79%
Q4 20251.77%
Q1 20262.02%
Q2 20261.94%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202679$409.5M10.32%0.04%1.94%83.3%
Q1 202679$408.9M10.19%0.04%2.02%81.7%
Q4 202574$372.7M10.45%0.06%1.77%87.0%
Q3 202575$373.9M10.34%0.12%1.79%81.0%
Q2 202578$356.7M10.97%0.03%1.71%81.3%
Q1 202577$360.8M10.76%0.07%1.62%75.8%
Q4 202475$344.5M9.77%0.04%1.64%76.2%
Q3 202476$367.7M10.37%0.06%1.64%70.9%
Q2 202478$354.7M11.03%0.04%1.66%71.5%

2,650 peers · $100 million – $1 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 ratio10.32%
38th
Total risk-based capital15.68%
71st
Problem loans0.04%
80th
Net charge-offs0.00%
56th
Return on assets1.94%
85th
Net interest margin4.80%
88th
Efficiency ratio55.4%
71st
Loans to deposits83.3%
42nd
Uninsured deposits33.1%
21st
Loan-loss reserves1.28%
60th
Texas ratio0.3%
81st

Similar-size banks in Georgia

InstitutionScoreAssetsCapitalProblem loansCompare
Exchange BankBank Milledgeville, GA66 out of 100, Moderate$410.3M11.9%0.03%vs
CIBC National Trust CompanyBank Atlanta, GA93 out of 100, Very strong$412.8M59.6%0.00%vs
Touchmark National BankBank Alpharetta, GA38 out of 100, Low$416.9M13.1%5.07%vs
F&M BankBank Washington, GA88 out of 100, Very strong$419.9M14.9%0.38%vs
The Citizens Bank of SwainsboroBank Swainsboro, GA82 out of 100, Strong$420.5M12.3%0.36%vs
Great Oaks BankBank Richmond Hill, GA76 out of 100, Strong$422.0M10.3%0.10%vs

Deposit insurance

Is my money safe at Commercial Banking Company?

Yes. Commercial Banking Company is an FDIC-insured institution (FDIC certificate #16246). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 33.1% of deposits ($119.9M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 10.32%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 15.68% (benchmark: 10%).

Check how much of your own balance is covered

5 locations

Branches

Commercial Banking Company lists 5 offices in 4 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Commercial Banking Company reported 175 home-loan applications under HMDA (LEI 2549005RQQ9A5CNFVG05): 153 originated ($29,445,000 total), 11 denied, and 9 withdrawn or closed by the applicant. Its denial rate on decided applications was 6.6%, 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 Banking Company
Type
Savings bank
FDIC certificate #
16246
RSSD ID
381932
Primary regulator
OCC
Holding company
Lowndes Bancshares Inc
Established
January 1, 1934
Headquarters
3462 N Valdosta Rd, Valdosta, GA 31602
Employees
75

Quick answers

Commercial Banking Company: common questions

Is Commercial Banking Company FDIC insured?

Yes. Commercial Banking Company is an FDIC-insured institution (FDIC certificate #16246). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Commercial Banking Company's TellerScore?

79 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 Banking Company ever failed?

There is no failure record for FDIC certificate #16246 in the FDIC failed bank list.

How many branches does Commercial Banking Company have?

5 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Valdosta

InstitutionScoreAssetsCapitalProblem loansCompare
The Trust BankBank Lenox, GA86 out of 100, Very strong$47.0M16.2%1.36%vs
Southern Pine Credit UnionCredit union Lake Park, GA82 out of 100, Strong$27.6M23.7%0.79%vs
The Citizens National Bank of QuitmanBank Quitman, GA81 out of 100, Strong$133.7M11.6%0.21%vs
Bank OZKBank Little Rock, AR76 out of 100, Strong$41.7B14.0%0.92%vs
Community Bank of GeorgiaBank Baxley, GA74 out of 100, Strong$269.5M11.0%1.05%vs
Southeastern Credit UnionCredit union Valdosta, GA73 out of 100, Strong$440.7M10.8%0.41%vs