Mountain Commerce Bank: Bank Stress & Real-Estate Credit Exposure
FDIC Certificate #4931 · Knoxville, TN. This institution (Mountain Commerce Bank) no longer appears in the current FDIC branch and deposit filings (#4931) that DLRadar scores; FDIC records the last Mountain Commerce Bank day as a separately insured institution (#4931) as April 1, 2026. FDIC event for Mountain Commerce Bank: Participated in Absorbtion/Consolidation/Merger (2026-04-01). DLRadar last scored Mountain Commerce Bank (#4931) on September 20, 2026. The Mountain Commerce Bank facts below are its last recorded footprint (#4931), kept as a permanent Mountain Commerce Bank public record; the Mountain Commerce Bank figures are not refreshed.
Mountain Commerce Bank (#4931) carried no scored branch footprint (Mountain Commerce Bank) in the FDIC filings DLRadar reads; the Mountain Commerce Bank record exists because FDIC certificate 4931 was a separately insured Mountain Commerce Bank institution in Knoxville, TN, last seen by DLRadar (#4931) on September 20, 2026.
What the Mountain Commerce Bank (#4931) record holds: FDIC certificate 4931 for Mountain Commerce Bank, closed as a separate Mountain Commerce Bank charter on April 1, 2026; successor Centennial Bank (FDIC #11241) carries the Mountain Commerce Bank footprint forward; FDIC event for Mountain Commerce Bank: Participated in Absorbtion/Consolidation/Merger (2026-04-01); Mountain Commerce Bank (#4931) first entered DLRadar on September 20, 2026.
How Mountain Commerce Bank (#4931) was scored while active: the Mountain Commerce Bank stress score read FDIC call-report financials (#4931) and the Summary of Deposits branch file for Mountain Commerce Bank, mapped Mountain Commerce Bank branches to counties and ZIP codes (#4931), and weighted the Mountain Commerce Bank real-estate loan concentration against its peers; the Mountain Commerce Bank (#4931) figures on this page are the last such Mountain Commerce Bank run and are not refreshed.
Mountain Commerce Bank (#4931) net interest margin 2.59% against an eight-quarter Mountain Commerce Bank (#4931) average of 2.22% (Mountain Commerce Bank (#4931) compression -0.36 points); Mountain Commerce Bank (#4931) real-estate loans 68.0% of equity; Mountain Commerce Bank (#4931) non-residential real estate 62.5% of equity; Mountain Commerce Bank (#4931) rate-exposure score 40/100, Mountain Commerce Bank (#4931) fixed-rate trap 40/100; Mountain Commerce Bank (#4931) risk type credit driven; Mountain Commerce Bank (#4931) rate regime rates elevated, Mountain Commerce Bank (#4931) snapshot August 25, 2026.
Mountain Commerce Bank (#4931) stress score held at 88 across 65 daily snapshots, June 22, 2026 to August 25, 2026.
Mountain Commerce Bank (#4931) is chartered in Knoxville, TN; FDIC lists Mountain Commerce Bank (#4931) as inactive, succeeded by Centennial Bank.
Why this Mountain Commerce Bank page exists: bank identities are historical data (#4931). When an institution such as Mountain Commerce Bank merges or its charter ends, DLRadar keeps the Mountain Commerce Bank profile so citations, links and the Mountain Commerce Bank score history stay resolvable (#4931), and points Mountain Commerce Bank to the successor where the FDIC records one. Every Mountain Commerce Bank figure traces to public FDIC data (#4931).