Commercial Bank (FDIC #22354): Bank Stress & Real-Estate Credit Exposure
Commercial Bank (FDIC Cert #22354): bank stress 50/100, moderate, STABLE over 7 days; parent COMMERCIAL BANCGROUP INC.
Commercial Bank (#22354) lends in 15 counties across 3 states; Commercial Bank (#22354) reaches 189 ZIP codes: Tennessee 8 counties, 97 ZIPs; Kentucky 5 counties, 62 ZIPs; North Carolina 2 counties, 31 ZIPs.
Commercial Bank (#22354) largest markets: Knox County, TN (124 branches, 31 ZIPs) (#22354), Harlan County, KY (54 branches, 27 ZIPs) (#22354), Knox County, KY (76 branches, 19 ZIPs) (#22354), Gaston County, NC (36 branches, 18 ZIPs) (#22354), Williamson County, TN (16 branches, 16 ZIPs) (#22354), Cleveland County, NC (30 branches, 15 ZIPs) (#22354).
Commercial Bank (#22354) reports $2.36 billion in total assets; Commercial Bank (#22354) equity $261.9 million (11.1% of Commercial Bank (#22354) assets); Commercial Bank (#22354) domestic deposits $1.91 billion; Commercial Bank (#22354) net income $21.0 million; Commercial Bank (#22354) return on assets 1.82%; Commercial Bank (#22354) return on equity 16.72%; Commercial Bank (#22354) net interest income $42.1 million; Commercial Bank (#22354) call report June 30, 2026.
Commercial Bank (#22354) noncurrent real-estate loans: none reported; Commercial Bank (#22354) residential -0.03%; Commercial Bank (#22354) net charge-offs on real estate 0.36%.
Commercial Bank (#22354) net interest margin 3.89% against an eight-quarter Commercial Bank (#22354) average of 3.86% (Commercial Bank (#22354) compression -0.04 points); Commercial Bank (#22354) rate-exposure score 40/100, Commercial Bank (#22354) fixed-rate trap 40/100; Commercial Bank (#22354) risk type credit driven; Commercial Bank (#22354) rate regime rates elevated, Commercial Bank (#22354) snapshot October 19, 2026.
Commercial Bank (#22354) stress score moved from 49.9 on June 22, 2026 to 50.3 on October 20, 2026; Commercial Bank (#22354) ranged 49.9 to 50.3 over 117 snapshots.
Commercial Bank (#22354) alerts: 15 counties; top Commercial Bank (#22354) alert scores: Shelby County, TN 37 (moderate); Barbourville County, TN 19 (low); Brentwood County, TN 19 (low); Corbin County, TN 19 (low); Gastonia County, TN 19 (low).