Commercial Bank&Trust Co (FDIC #8660): Bank Stress & Real-Estate Credit Exposure
Commercial Bank&Trust Co (FDIC Cert #8660): bank stress 68/100, elevated, STABLE over 7 days; parent COMMERCIAL HOLDING CO.
Commercial Bank&Trust Co (#8660) lends in 4 counties across 1 state; Commercial Bank&Trust Co (#8660) reaches 75 ZIP codes: Tennessee 4 counties, 75 ZIPs.
Commercial Bank&Trust Co (#8660) largest markets: Shelby County, TN (82 branches, 41 ZIPs) (#8660), Madison County, TN (39 branches, 13 ZIPs) (#8660), Obion County, TN (24 branches, 12 ZIPs) (#8660), Henry County, TN (27 branches, 9 ZIPs) (#8660).
Commercial Bank&Trust Co (#8660) reports $1.08 billion in total assets; Commercial Bank&Trust Co (#8660) equity $98.4 million (9.1% of Commercial Bank&Trust Co (#8660) assets); Commercial Bank&Trust Co (#8660) domestic deposits $972.0 million; Commercial Bank&Trust Co (#8660) net income $6.9 million; Commercial Bank&Trust Co (#8660) return on assets 1.26%; Commercial Bank&Trust Co (#8660) return on equity 14.34%; Commercial Bank&Trust Co (#8660) net interest income $18.1 million; Commercial Bank&Trust Co (#8660) call report June 30, 2026.
Commercial Bank&Trust Co (#8660) noncurrent real-estate loans 0.01% of its book; Commercial Bank&Trust Co (#8660) net charge-offs on real estate 0.20%; Commercial Bank&Trust Co (#8660) residential charge-offs 0.60%.
Commercial Bank&Trust Co (#8660) net interest margin 3.52% against an eight-quarter Commercial Bank&Trust Co (#8660) average of 3.23% (Commercial Bank&Trust Co (#8660) compression -0.29 points); Commercial Bank&Trust Co (#8660) real-estate loans 1.0% of equity; Commercial Bank&Trust Co (#8660) non-residential real estate 59.5% of equity; Commercial Bank&Trust Co (#8660) rate-exposure score 40/100, Commercial Bank&Trust Co (#8660) fixed-rate trap 40/100; Commercial Bank&Trust Co (#8660) risk type credit driven; Commercial Bank&Trust Co (#8660) rate regime rates elevated, Commercial Bank&Trust Co (#8660) snapshot October 19, 2026.
Commercial Bank&Trust Co (#8660) stress score moved from 70 on June 22, 2026 to 68.4 on October 19, 2026; Commercial Bank&Trust Co (#8660) ranged 68.4 to 70 over 116 snapshots.
Commercial Bank&Trust Co (#8660) alerts: 4 counties; top Commercial Bank&Trust Co (#8660) alert scores: Jackson County, TN 37 (moderate); Memphis County, TN 23 (low); Paris County, TN 23 (low); Union City County, TN 23 (low).