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.

From Q2 2025 to Q2 2026, the score fell 2 points (81 → 79), mostly because the funding & liquidity component weakened by 6 points.

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 Georgia

Yes. The Commercial Bank is an FDIC-insured institution (FDIC certificate #175). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 30.6% of deposits ($128.3M) 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 10.72%, 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%).

Check how much of your own balance is covered

The Commercial Bank lists 5 offices in 5 cities. Most locations:

• Colbert, GA (1)
• Crawford, GA (1)
• Danielsville, GA (1)
• Watkinsville, GA (1)
• Winterville, GA (1)

All branch addresses and map

In 2025, The Commercial Bank reported 119 home-loan applications under HMDA (LEI 549300TUT7EEMS8S2B86): 107 originated ($32,245,000 total), 4 denied, and 8 withdrawn or closed by the applicant. Its denial rate on decided applications was 3.6%, 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.

Legal name

The Commercial Bank

Type

State-chartered bank

FDIC certificate #

175

RSSD ID

469737

Primary regulator

FDIC

Holding company

Tcb Bancshares Inc

Established

September 5, 1924

Headquarters

102 N. Church Street, Crawford, GA 30630

Website

thecommercialbank.net

Employees

54