The Commercial Bank (FDIC certificate #14642) is based in Honea Path, South Carolina. Its Q2 2026 call report shows $284.2M in total assets and $251.4M in deposits and 8 offices.
The Commercial Bank has a TellerScore of 76 out of 100 (strong) based on Q2 2026 data — higher than 64% of its 2,650 banks with $100 million – $1 billion. Among 44 banks headquartered in South Carolina, it ranks 18th. Funding & liquidity contributes the most (97/100, 40% loans-to-deposits, 18% uninsured); earnings contributes the least (51/100, 0.77%).
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 fell 3 points (79 → 76), mostly because the capital cushion component weakened by 7 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 84 |
| Q3 2024 | 82 |
| Q4 2024 | 82 |
| Q1 2025 | 81 |
| Q2 2025 | 79 |
| Q3 2025 | 79 |
| Q4 2025 | 77 |
| Q1 2026 | 75 |
| Q2 2026 | 76 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 13.60% |
| Q3 2024 | 13.65% |
| Q4 2024 | 13.43% |
| Q1 2025 | 13.31% |
| Q2 2025 | 13.30% |
| Q3 2025 | 13.32% |
| Q4 2025 | 13.51% |
| Q1 2026 | 12.79% |
| Q2 2026 | 12.65% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.32% |
| Q3 2024 | 0.47% |
| Q4 2024 | 0.35% |
| Q1 2025 | 0.41% |
| Q2 2025 | 0.65% |
| Q3 2025 | 0.73% |
| Q4 2025 | 0.93% |
| Q1 2026 | 0.79% |
| Q2 2026 | 0.75% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.88% |
| Q3 2024 | 0.85% |
| Q4 2024 | 0.81% |
| Q1 2025 | 0.77% |
| Q2 2025 | 0.74% |
| Q3 2025 | 0.77% |
| Q4 2025 | 0.80% |
| Q1 2026 | 0.69% |
| Q2 2026 | 0.77% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 76 | $284.2M | 12.65% | 0.75% | 0.77% | 40.3% |
| Q1 2026 | 75 | $289.6M | 12.79% | 0.79% | 0.69% | 38.0% |
| Q4 2025 | 77 | $263.5M | 13.51% | 0.93% | 0.80% | 43.3% |
| Q3 2025 | 79 | $260.2M | 13.32% | 0.73% | 0.77% | 40.4% |
| Q2 2025 | 79 | $260.9M | 13.30% | 0.65% | 0.74% | 39.7% |
| Q1 2025 | 81 | $261.6M | 13.31% | 0.41% | 0.77% | 38.1% |
| Q4 2024 | 82 | $253.9M | 13.43% | 0.35% | 0.81% | 38.1% |
| Q3 2024 | 82 | $247.6M | 13.65% | 0.47% | 0.85% | 38.9% |
| Q2 2024 | 84 | $247.2M | 13.60% | 0.32% | 0.88% | 38.8% |
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).
Similar-size banks in South Carolina
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| First National Bank of South CarolinaBank Holly Hill, SC | 82 out of 100, Strong | $309.7M | 12.4% | 0.43% | vs |
| Bank of YorkBank York, SC | 83 out of 100, Strong | $317.7M | 12.9% | 0.86% | vs |
| Blue Ridge BankBank Walhalla, SC | 69 out of 100, Moderate | $199.4M | 9.2% | 0.00% | vs |
| CBL State Savings BankBank Greer, SC | 80 out of 100, Strong | $191.3M | 15.9% | 0.01% | vs |
| Southern BankBank Spartanburg, SC | 59 out of 100, Moderate | $407.9M | 8.2% | 0.28% | vs |
| Bank of GreeleyvilleBank Greeleyville, SC | 75 out of 100, Strong | $160.1M | 10.6% | 0.38% | vs |
Deposit insurance
Is my money safe at The Commercial Bank?
Yes. The Commercial Bank is an FDIC-insured institution (FDIC certificate #14642). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 17.8% of deposits ($44.6M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 12.65%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
8 locations
Branches
The Commercial Bank lists 7 offices in 7 cities. Most locations:
- Belton, SC (1)
- Donalds, SC (1)
- Due West, SC (1)
- Greenwood, SC (1)
- Honea Path, SC (1)
- Piedmont, SC (1)
- Ware Shoals, SC (1)
Identity & history
Profile
- Legal name
- The Commercial Bank
- Type
- State-chartered bank
- FDIC certificate #
- 14642
- RSSD ID
- 349129
- Primary regulator
- FDIC
- Holding company
- Commercial Bank Shares Inc
- Established
- May 14, 1934
- Headquarters
- 4 Church St, Honea Path, SC 29654
- Website
- www.thecommercialbanksc.com
- Employees
- 62
Quick answers
The Commercial Bank: common questions
Is The Commercial Bank FDIC insured?
Yes. The Commercial Bank is an FDIC-insured institution (FDIC certificate #14642). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is The Commercial Bank's TellerScore?
76 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 The Commercial Bank ever failed?
There is no failure record for FDIC certificate #14642 in the FDIC failed bank list.
How many branches does The Commercial Bank have?
8 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Honea Path
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| S. C. State Federal Credit UnionCredit union Columbia, SC | 91 out of 100, Very strong | $1.5B | 15.6% | 0.82% | vs |
| The Peoples BankBank Iva, SC | 89 out of 100, Very strong | $446.7M | 12.9% | 0.00% | vs |
| Anmed Federal Credit UnionCredit union Anderson, SC | 86 out of 100, Very strong | $16.5M | 14.3% | 0.08% | vs |
| Greenville Heritage Federal Credit UnionCredit union Greenville, SC | 80 out of 100, Strong | $181.2M | 12.5% | 0.34% | vs |
| Founders Federal Credit UnionCredit union Lancaster, SC | 79 out of 100, Strong | $5.2B | 13.6% | 0.68% | vs |
| Bank of Travelers RestBank Travelers Rest, SC | 79 out of 100, Strong | $1.6B | 10.3% | 0.12% | vs |