Commercial Banking Co (FDIC #16246): Bank Stress & Real-Estate Credit Exposure
Commercial Banking Co (FDIC Cert #16246): bank stress 54/100, moderate, STABLE over 7 days; parent LOWNDES BANCSHARES INC.
Commercial Banking Co (#16246) lends in 3 counties across 1 state; Commercial Banking Co (#16246) reaches 33 ZIP codes: Georgia 3 counties, 33 ZIPs.
Commercial Banking Co (#16246) largest markets: Colquitt County, GA (14 branches, 14 ZIPs) (#16246), Lowndes County, GA (33 branches, 11 ZIPs) (#16246), Tift County, GA (10 branches, 10 ZIPs) (#16246).
Commercial Banking Co (#16246) reports $409.5 million in total assets; Commercial Banking Co (#16246) equity $38.6 million (9.4% of Commercial Banking Co (#16246) assets); Commercial Banking Co (#16246) domestic deposits $361.6 million; Commercial Banking Co (#16246) net income $3.9 million; Commercial Banking Co (#16246) return on assets 1.94%; Commercial Banking Co (#16246) return on equity 20.60%; Commercial Banking Co (#16246) net interest income $8.9 million; Commercial Banking Co (#16246) call report June 30, 2026.
Commercial Banking Co (#16246) noncurrent real-estate loans: none reported; Commercial Banking Co (#16246) net charge-offs on real estate 0.03%.
Commercial Banking Co (#16246) net interest margin 4.80% against an eight-quarter Commercial Banking Co (#16246) average of 4.96% (Commercial Banking Co (#16246) compression 0.16 points); Commercial Banking Co (#16246) rate-exposure score 40/100, Commercial Banking Co (#16246) fixed-rate trap 40/100; Commercial Banking Co (#16246) risk type credit driven; Commercial Banking Co (#16246) rate regime rates elevated, Commercial Banking Co (#16246) snapshot October 19, 2026.
Commercial Banking Co (#16246) stress score moved from 52.6 on June 22, 2026 to 53.8 on October 19, 2026; Commercial Banking Co (#16246) ranged 52.6 to 53.8 over 116 snapshots.
Commercial Banking Co (#16246) alerts: 3 counties; top Commercial Banking Co (#16246) alert scores: Moultrie County, GA 18 (low); Tifton County, GA 18 (low); Valdosta County, GA 18 (low).