# COMMERCIAL BANKING CO
VALDOSTA, GA · FDIC certificate 16246 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *fortress*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $409.5M | |
| Deposits | $361.6M | |
| Loans and leases | $305.1M | |
| Total equity | $38.6M | |
| Loans / deposits | 83.29% (p53 of band) | 82.04% |
| Liquid assets / assets | 21.13% (p35 of band) | |
| Uninsured deposits / deposits | 33.14% (p75 of band) | 25.97% |
| Brokered deposits | 9.94% | |
| Wholesale funding | 11.17% (p80 of band) | |
| FHLB advances / assets | 1.22% | |
| Tier 1 leverage | 10.32% (p42 of band) | 10.81% |
| Unrealized securities loss / equity | -9.11% (p47 of band) | -8.10% |
| AOCI / equity | -0.22% (p58 of band) | |
| ROA (annualized) | 1.94% (p85 of band) | 1.28% |
| Net interest margin | 4.80% (p90 of band) | 3.91% |
| Efficiency ratio | 55.38% (p32 of band) | |
| Noncurrent loans | 0.04% (p16 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p40 of band) | |
| Reserve coverage of noncurrent | 3192.62% | |
| Real estate % of loans | 88% | |
| Construction % of loans | 139.23% (p96 of band) | |
| Auto loans | $1.1M (0.36% of loans; DQ 0.09%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 14.3% | |
| Employees | 75 | |

## Flags firing in the latest filing

- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 2 | wholesale funding >15%, reserve under noncurrent |  |
| 2011-12 | 1 |  | reserve under noncurrent |
| 2012-03 | 2 | deposits shrinking, uninsured deposits leaving | wholesale funding >15% |
| 2012-06 | 1 |  | deposits shrinking |
| 2012-09 | 1 |  |  |
| 2012-12 | 2 | capital falling |  |
| 2013-03 | 1 |  | uninsured deposits leaving |
| 2013-06 | 1 | reserve under noncurrent | capital falling |
| 2013-09 | 0 |  | reserve under noncurrent |
| 2013-12 | 1 | reserve under noncurrent |  |
| 2014-03 | 0 |  | reserve under noncurrent |
| 2014-06 | 1 | uninsured deposits leaving |  |
| 2014-09 | 0 |  | uninsured deposits leaving |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 1 | charge-offs p90 |  |
| 2016-12 | 0 |  | charge-offs p90 |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 1 | charge-offs p90 |  |
| 2020-09 | 1 | capital falling | charge-offs p90 |
| 2020-12 | 1 |  |  |
| 2021-03 | 0 |  | capital falling |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 1 | capital falling |  |
| 2022-06 | 0 |  | capital falling |
| 2022-09 | 0 |  |  |
| 2022-12 | 2 | deposits shrinking, assets shrinking |  |
| 2023-03 | 0 |  | deposits shrinking, assets shrinking |
| 2023-06 | 2 | capital falling, deposits shrinking |  |
| 2023-09 | 1 | uninsured deposits >50% | capital falling, deposits shrinking |
| 2023-12 | 1 |  |  |
| 2024-03 | 0 |  | uninsured deposits >50% |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 2 | capital falling, uninsured deposits leaving |  |
| 2025-03 | 0 |  | capital falling, uninsured deposits leaving |
| 2025-06 | 1 | uninsured deposits leaving |  |
| 2025-09 | 0 |  | uninsured deposits leaving |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 1 | construction >100% equity |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-06-22 [Georgia Bankers Association selects new chair, board members - The Business Journals](https://news.google.com/rss/articles/CBMimgFBVV95cUxQVk1hNnhRZXlRNlpNLVFxSm1VVERacGhHRGE2TGFtLUdBZWgtOEhBNXQxNWlHMG5ka0FTRGdkbkVmUnllY1pHeHlzVU12S19ZV29UakJ6MHJQMGM4MmRoS24zMDgzaXpXMVlIZTZmeWZpampQcjFlY0tfLW1aWEJtZllJMkNMV2ZoT0V3RWQ0SFlnU1pacUZYVHpn?oc=5) · The Business Journals
- 2023-02-22 [BMO Financial Group inks commercial banking deal with BNP Paribas - Retail Banker International](https://news.google.com/rss/articles/CBMihAFBVV95cUxOUXl6ZEN4TUU5eEx0Q0dEQkEwLUJtQU5meXJnelZKNldyWTRTZUNVdUY2T256bFUxUVpPUGM1cEd4WFExOGdxOUxqTk1LaUF3eFZsZEZ1c3B6bk54anc5QURjZ19xazdPa3d4MVd4NGJvTUlPQVIySUkzVlNHaVpLUjNFS0Y?oc=5) · Retail Banker International
- 2026-01-20 [5 Venezuelan nationals convicted for ATM ‘jackpotting’ conspiracy across Georgia - WSB-TV](https://news.google.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?oc=5) · WSB-TV
- 2022-11-29 [Tallahassee People on the Move - Tallahassee Reports](https://news.google.com/rss/articles/CBMigAFBVV95cUxOUTk4cEhwNlVidEdTbVhyejV2TEFRaDRyblRWVk9vVVlxTmNiOFhxVE5FUmlVOUEySS1vQm5paFp0Y0R3OGhWeHdTQ2h0SVJ5WktuaDd6OEVzYzdlemNpbWE2bF9SUHo5QW1EVERrZ21Kam85SGZvRTgxM0UwMEFTbA?oc=5) · Tallahassee Reports
- 2012-11-14 [United Way: Another successful campaign - Moultrie Observer](https://news.google.com/rss/articles/CBMihgFBVV95cUxNaWtkeHJsczZyS3J6ZmtQOFlaYmhmU0V6aTl0NjhwN3NKWEJJUHRiN3gzbzhMU0RBUS03WmZXd2dncC04MHg4c0RURFhKSUU5c2JvckpYckN2YndCTHRFc21JY2Y5THlhVExEMkNoSXRTTE5TWlpVbmlYckJzOTQ5NUhBbVpmZw?oc=5) · Moultrie Observer
- 2010-01-20 [Linda Dawn Bowden Obituary Jan 20, 2010 - musicfuneralservices.com](https://news.google.com/rss/articles/CBMibEFVX3lxTE1vejhuVndwb3FlN2pkanV6d0U5U2xBWTdXenk3aWVhWmZGbmJmc29vQ185NjBYbUQxUnQxSlc3R0kza0w1VFhRQ0c4UHZJODItUzY0U2RYc28yaEV0dFBsV0xSc3lydURjekxSaQ?oc=5) · musicfuneralservices.com
- 2025-12-17 [TD Bank's new Mid-Atlantic leader plots growth amid asset cap - The Business Journals](https://news.google.com/rss/articles/CBMipgFBVV95cUxPZkw4bThTTnhsbnF4M0c1OGtvcHlYd0lHSkJHb2JybmF1eU9VWjQ5OERYbWxKaUFxVV9kc1pYeU5IMGI5ZTFMVnZzOThjR2hjOUotdXFpUEwxYl9FZ3M3ZzN1VDJEMTRYenVWMUxJQWJiei01ZWxXSG9Bd3oxbHo3OWRfaGs5SFcxVXhCeUpfc3l0WFJIeFpwRUhnR3VGSFlyZHRoenZn?oc=5) · The Business Journals
- 2025-12-17 [TD Bank names new president for D.C. region as part of management restructuring - The Business Journals](https://news.google.com/rss/articles/CBMimwFBVV95cUxNME9PZm45VThvOTVKSUtiN0pRODlhZ1EwNGFuQlRQcVMyOEhJdDl3eUVBVUVSdmtsdmoydjhaRjMyOE04UzFRQjNLbV9JTDB1TFZPM1M4UUM5aGg0V19ORlNiNVI3X1lITllYZDJYSjVTNEtVbzFxSTE0MVIyUlZ3YmlvWl94cnRSUi03U1FtR3JoOFVVb1h4MjZ1WQ?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=16246 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/54.json (key "16246", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide