Commercial Bank (FDIC #175): Bank Stress & Real-Estate Credit Exposure
Commercial Bank (FDIC Cert #175): bank stress 44/100, contained, STABLE over 7 days; parent TCB BANCSHARES INC.
Commercial Bank (#175) lends in 4 counties across 1 state; Commercial Bank (#175) reaches 27 ZIP codes: Georgia 4 counties, 27 ZIPs.
Commercial Bank (#175) largest markets: Madison County, GA (22 branches, 11 ZIPs) (#175), Oglethorpe County, GA (10 branches, 10 ZIPs) (#175), Clarke County, GA (9 branches, 9 ZIPs) (#175), Oconee County, GA (8 branches, 8 ZIPs) (#175).
Commercial Bank (#175) reports $463.7 million in total assets; Commercial Bank (#175) equity $40.3 million (8.7% of Commercial Bank (#175) assets); Commercial Bank (#175) domestic deposits $419.2 million; Commercial Bank (#175) net income $7.2 million; Commercial Bank (#175) return on assets 3.14%; Commercial Bank (#175) return on equity 36.96%; Commercial Bank (#175) net interest income $11.2 million; Commercial Bank (#175) call report June 30, 2026.
Commercial Bank (#175) noncurrent real-estate loans: none reported; Commercial Bank (#175) net charge-offs on real estate 0.17%.
Commercial Bank (#175) net interest margin 5.12% against an eight-quarter Commercial Bank (#175) average of 4.96% (Commercial Bank (#175) compression -0.16 points); Commercial Bank (#175) rate-exposure score 40/100, Commercial Bank (#175) fixed-rate trap 40/100; Commercial Bank (#175) risk type credit driven; Commercial Bank (#175) rate regime rates elevated, Commercial Bank (#175) snapshot October 19, 2026.
Commercial Bank (#175) stress score moved from 44.7 on June 22, 2026 to 44 on October 19, 2026; Commercial Bank (#175) ranged 44 to 44.7 over 116 snapshots.
Commercial Bank (#175) alerts: 4 counties; top Commercial Bank (#175) alert scores: Crawford County, GA 17 (low); Danielsville County, GA 17 (low); Watkinsville County, GA 17 (low); Winterville County, GA 17 (low).