# COMMERCIAL BANK
CRAWFORD, GA · FDIC certificate 175 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *fortress*. Composite score 0 (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 | $463.7M | |
| Deposits | $419.2M | |
| Loans and leases | $348.2M | |
| Total equity | $40.3M | |
| Loans / deposits | 81.66% (p49 of band) | 82.04% |
| Liquid assets / assets | 23.97% (p47 of band) | |
| Uninsured deposits / deposits | 30.61% (p68 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p11 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.72% (p49 of band) | 10.81% |
| Unrealized securities loss / equity | -22.06% (p20 of band) | -8.10% |
| AOCI / equity | -0.82% (p29 of band) | |
| ROA (annualized) | 3.14% (p98 of band) | 1.28% |
| Net interest margin | 5.12% (p95 of band) | 3.91% |
| Efficiency ratio | 41.24% (p6 of band) | |
| Noncurrent loans | 0.17% (p30 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p41 of band) | |
| Reserve coverage of noncurrent | 1019.69% | |
| Real estate % of loans | 92% | |
| Construction % of loans | 93.23% (p84 of band) | |
| Auto loans | $886,000 (0.25% of loans; DQ 0.11%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 7.2% | |
| Employees | 54 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | noncurrent p90, reserve under noncurrent |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 2 |  |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 6 | capital falling, deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2012-06 | 2 | charge-offs p90 | noncurrent p90, capital falling, deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2012-09 | 2 |  |  |
| 2012-12 | 0 |  | reserve under noncurrent, charge-offs p90 |
| 2013-03 | 1 | capital falling |  |
| 2013-06 | 0 |  | capital falling |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 1 | capital falling |  |
| 2014-06 | 0 |  | capital falling |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 1 | capital falling |  |
| 2015-06 | 0 |  | capital falling |
| 2015-09 | 0 |  |  |
| 2015-12 | 1 | charge-offs p90 |  |
| 2016-03 | 0 |  | charge-offs p90 |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 1 | uninsured deposits leaving |  |
| 2018-03 | 0 |  | uninsured deposits leaving |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 2 | charge-offs p90, construction >100% equity |  |
| 2019-03 | 0 |  | charge-offs p90, construction >100% equity |
| 2019-06 | 1 | construction >100% equity |  |
| 2019-09 | 0 |  | construction >100% equity |
| 2019-12 | 2 | capital falling, construction >100% equity |  |
| 2020-03 | 2 |  |  |
| 2020-06 | 1 |  | construction >100% equity |
| 2020-09 | 1 | construction >100% equity | capital falling |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 2 | capital falling |  |
| 2021-09 | 1 |  | capital falling |
| 2021-12 | 1 |  |  |
| 2022-03 | 3 | capital falling, AOCI drag >20% of equity |  |
| 2022-06 | 3 | securities losses >30% of equity | capital falling |
| 2022-09 | 3 |  |  |
| 2022-12 | 3 |  |  |
| 2023-03 | 2 |  | AOCI drag >20% of equity |
| 2023-06 | 2 |  |  |
| 2023-09 | 3 | deposits shrinking |  |
| 2023-12 | 4 | uninsured deposits leaving |  |
| 2024-03 | 2 |  | deposits shrinking, uninsured deposits leaving |
| 2024-06 | 2 |  |  |
| 2024-09 | 2 |  |  |
| 2024-12 | 2 |  |  |
| 2025-03 | 2 |  |  |
| 2025-06 | 3 | assets shrinking |  |
| 2025-09 | 1 |  | securities losses >30% of equity, assets shrinking |
| 2025-12 | 0 |  | construction >100% equity |
| 2026-03 | 1 | construction >100% equity |  |
| 2026-06 | 0 |  | construction >100% equity |

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

- 2026-02-18 [List Of Failed Banks: 2009-2026 - Bankrate](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAtbi1TaWMteGEyOHdQbnlXd0tPRzM2WFJQZjdPdzViQTZFLVVHODJRTEdqRWhnMkxIOG5xMUVSWU5iNHZSbVpnQ2Z4TWdiMDVwN2NTdUNGd3dXZ2tGcGZ2VWVJRnM?oc=5) · Bankrate
- 2026-06-18 [First Carolina Financial Services, Southeast-Focused Commercial Bank Offering National Student Payments and Digital Banking, Files for NYSE IPO - TradingView](https://news.google.com/rss/articles/CBMiqwJBVV95cUxPbHA2U0g0cUVPZzg1V2ppS1Vjblo0aW9TUlptOU5SWlBGMGZaaE1LT2xiYk9SdUg5Ni1OMUE5YkR6WUU4MUZTS0JMenNiQngyWkVBM1lxX2xxZnR0cUl4cGRTdDJPTFNfaExGdEZEVVZzSXpSNXNpSzA5T2puVFZfby1FcFNTVGsxMmxVRDRFZmxtdURIOHN3dHJMR3I2QnVtVGEwSkpRSzVZQk5jRHRhTFppeGRVeUpjR3RWWTlLVzIxWE45R2I5R3Z0emJpQlp3WWstOEhIczk4Y1VhclFTdkF1VElwT1dGc3pBNl93UGZmTWVWVURZN1NTRlJhNGhLMEhIOXlDME9sMFp5TjBWYVBJbWpzWmNLLXVEaEMzaGg2SG5lcGlNNHdnUQ?oc=5) · TradingView
- 2026-06-01 [Hundreds of Georgia investors help raise $232 million for bank with regional ambitions - The Business Journals](https://news.google.com/rss/articles/CBMimAFBVV95cUxOWEpNVUMta2tMTlEwWjFjZ0pYWFZ3c1dYaWljSmdubDJoVkVSM09mWktaQUlEQmE1bERpeFBNb2IxOGtiTWx2eW5wRGJoUkRUQU1NeC1VdGdaaGRSWlFoRHhqTmtqa0hvMFNnOWY2ZWZFUU1NQkt4MVl3RVlQUWZwWXcwTHJpTFNIa1NCc0s3b2JObmJGcWlHUg?oc=5) · The Business Journals
- 2025-11-18 [Community First Credit Union of Florida announces deal to buy First Southern Bank - Jacksonville Daily Record](https://news.google.com/rss/articles/CBMiygFBVV95cUxPeXRyT0Q4Q29qVlFuUXAwOWhwUldUZlNsZXlKZlh4eWIzQnQzOHNjTWJWeUtfdHFWYjc2bU5FUWRYMmpZZm1FWnlnejVXaVJlS0lfTlV5d0Z4dnNmQUduXy1oTElBemctOG9pVFFwZnNBbGowb2ZxUVpGalRvUUtxV0owQjVKYzlmd2ZqREFpS3ZMV3VhZHNKbkR4YWx1UEVpUXJObGQwV3E4WHZINnI2RVZTVFh1alJjMEFoMWJXSFJBYTQ5R3Q0OVhR?oc=5) · Jacksonville Daily Record
- 2025-11-03 [Mike Sale, President and CEO of The Commercial Bank, elected Chairman of the Board of Directors of the Community Bankers Association of Georgia - mainstreetnews.com](https://news.google.com/rss/articles/CBMiiAJBVV95cUxQbjZJUzFJWlFOZktYVjIxVW05YjJfSU5vWnIzZ3lfekN4NVR4WWJqMFV5VU16WVp4U190Z3lPVmRNWUFMd3lKYzJta1dPU2Y5REU3blZYN0pqWUo2c1JNR0hHTGVIMHZXU1VrU01MdWdPVGZ5X2c2cy1wUkp3NE9KbVllamxua2ViMmdJcm1MTUl6Vm4ydzZDWDNlTmphSm5jSXhTYU02eW90c2p3NnlvV3AtM2gtU0NKNFRiOWxyLS1aV1BKamZGX01YTDdreHlXTVBYU1hzb3k0Q3FqdEdPS1FhOUxTRUVqUHZpMzFpOUJaUHMxS0VtSGg3Wjg2R2ZCeVF2cE8tVFQ?oc=5) · mainstreetnews.com
- 2026-02-27 [Facing UK sanctions, Georgia’s Imedi announces plans to create its own bank - OC Media](https://news.google.com/rss/articles/CBMimwFBVV95cUxPdGZYQ1pnd2taaFBXb1hrSXFrclBtZ2FvWER1NV9GYm9lYnRsdXJUWmtQMVQtOFVYZjdQcXA3R3VrRllVUmxYa0gtVDlXWlY2Z3FPckEtQ3NBS2NtVTVoSTRxS25LYWtIVW4zbTRmclBwTENfVGFTcDBWZ2hLbXBadC05T1NaUDF4ZUxrNWVybUJXVUhLVEROc0VQRQ?oc=5) · OC Media
- 2025-11-28 [Freedom Bank obtains permission to open subsidiary bank in Georgia - Kursiv Media Казахстан: последние новости Казахстана и мира](https://news.google.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?oc=5) · Kursiv Media Казахстан: последние новости Казахстана и мира
- 2025-12-30 [National Bank Fines Bank of Georgia With GEL 3.5 MLN - bm.ge](https://news.google.com/rss/articles/CBMifkFVX3lxTE1aWHZTQnFnTl9RNEtwMkhnYWdoS0JRdFJRT0tQclhGUGV0UUtKbmpWdVZ0UlVJS245dnItM2NxR3REOXQxMVRVSEl6LXlRYXd2R095VGN4VGZ6c01ZYS1CTG9ueWk3X1k0bHFxVjNWek9hLXQyclRwZWZQVnhwQQ?oc=5) · bm.ge

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=175 (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/47.json (key "175", 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