# COMMERCIAL BANK
HARROGATE, TN · FDIC certificate 22354 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. 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 | $2.36B | |
| Deposits | $1.91B | |
| Loans and leases | $1.93B | |
| Total equity | $261.9M | |
| Loans / deposits | 100.20% (p86 of band) | 87.10% |
| Liquid assets / assets | 12.86% (p13 of band) | |
| Uninsured deposits / deposits | 24.93% (p30 of band) | 30.76% |
| Brokered deposits | 2.35% | |
| Wholesale funding | 9.30% (p62 of band) | |
| FHLB advances / assets | 6.84% | |
| Tier 1 leverage | 11.58% (p71 of band) | 10.50% |
| Unrealized securities loss / equity | -1.60% (p83 of band) | -7.75% |
| AOCI / equity | -0.02% (p72 of band) | |
| ROA (annualized) | 1.82% (p83 of band) | 1.26% |
| Net interest margin | 3.89% (p62 of band) | 3.70% |
| Efficiency ratio | 40.80% (p9 of band) | |
| Noncurrent loans | 0.35% (p36 of band) | 0.51% |
| Net charge-offs (annualized) | -0.01% (p5 of band) | |
| Reserve coverage of noncurrent | 281.11% | |
| Real estate % of loans | 90% | |
| Construction % of loans | 76.52% (p76 of band) | |
| Auto loans | $1.9M (0.10% of loans; DQ 1.45%, NCO 0.00%) | |
| Loans to nondepository financials | $23.8M (9% of equity) (p87 of band) | |
| Deposits YoY | 3.0% | |
| Employees | 293 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 4 | wholesale funding >15%, losing money, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 4 |  |  |
| 2011-09 | 3 |  | construction >100% equity |
| 2011-12 | 4 | construction >100% equity |  |
| 2012-03 | 3 |  | losing money |
| 2012-06 | 4 | charge-offs p90 |  |
| 2012-09 | 6 | deposits shrinking, assets shrinking, uninsured deposits leaving | construction >100% equity |
| 2012-12 | 2 |  | charge-offs p90, deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2013-03 | 2 |  |  |
| 2013-06 | 3 | noncurrent p90, assets shrinking | wholesale funding >15% |
| 2013-09 | 2 |  | assets shrinking |
| 2013-12 | 4 | wholesale funding >15%, deposits shrinking |  |
| 2014-03 | 1 |  | noncurrent p90, wholesale funding >15%, deposits shrinking |
| 2014-06 | 1 |  |  |
| 2014-09 | 2 | wholesale funding >15% |  |
| 2014-12 | 2 | capital falling | wholesale funding >15% |
| 2015-03 | 1 |  | capital falling |
| 2015-06 | 2 | wholesale funding >15% |  |
| 2015-09 | 2 |  |  |
| 2015-12 | 1 |  | wholesale funding >15% |
| 2016-03 | 1 | wholesale funding >15% | reserve under noncurrent |
| 2016-06 | 3 | capital falling, charge-offs p90, reserve under noncurrent | wholesale funding >15% |
| 2016-09 | 2 |  | charge-offs p90 |
| 2016-12 | 1 |  | capital falling |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 2 | wholesale funding >15% |  |
| 2018-03 | 4 | charge-offs p90, uninsured deposits leaving |  |
| 2018-06 | 2 |  | wholesale funding >15%, uninsured deposits leaving |
| 2018-09 | 2 |  |  |
| 2018-12 | 0 |  | reserve under noncurrent, charge-offs p90 |
| 2019-03 | 2 | reserve under noncurrent, construction >100% equity |  |
| 2019-06 | 1 |  | reserve under noncurrent |
| 2019-09 | 3 | wholesale funding >15%, reserve under noncurrent |  |
| 2019-12 | 1 |  | construction >100% equity, wholesale funding >15% |
| 2020-03 | 1 |  |  |
| 2020-06 | 2 | capital falling |  |
| 2020-09 | 1 |  | capital falling |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 0 |  | reserve under noncurrent |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 1 | uninsured deposits leaving |  |
| 2022-06 | 2 | construction >100% equity |  |
| 2022-09 | 2 |  |  |
| 2022-12 | 1 |  | construction >100% equity |
| 2023-03 | 0 |  | uninsured deposits leaving |
| 2023-06 | 1 | wholesale funding >15% |  |
| 2023-09 | 0 |  | wholesale funding >15% |
| 2023-12 | 0 |  |  |
| 2024-03 | 0 |  |  |
| 2024-06 | 1 | construction >100% equity |  |
| 2024-09 | 0 |  | construction >100% equity |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 2 | deposits shrinking, uninsured deposits leaving |  |
| 2025-12 | 0 |  | deposits shrinking, uninsured deposits leaving |
| 2026-03 | 0 |  |  |
| 2026-06 | 1 | loans exceed deposits |  |

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

- 2026-08-03 [Commercial Bank Number of Employees 2026 | Employee Count & Headcount Data - reveliolabs.com](https://news.google.com/rss/articles/CBMicEFVX3lxTE0yYTMza1FkOFhYVEpJZnYtS2xhanNSdi1WM1EtTVVPU3owWFdCQXNZR2ZlTlFtcW5zYklVTUNrRUhNd3dzUG92dkJTWENZaFFIUDZaemh2YzhKclFDb09fYkktYUVYVTU3bDJ1ZFB6aXM?oc=5) · reveliolabs.com
- 2026-04-23 [From Harrogate to Nasdaq: Commercial Bank rings the bell on 50 years and a historic IPO - Teknovation.biz](https://news.google.com/rss/articles/CBMilAFBVV95cUxOa3JOdkFqbnl6dGdaaEc0dW01MDFDZng4eWJuOXkwZEhlZnd6eXFNMjJQQS01bGFnZnVNNTlzSlI4T2ZWR2Zpa0VIeWc4VDRSRFpMZXlVVEo0Mm9LTkd4TDc5ZTBBU2lDRGdTenVWWHo1N3pvdXFTdWxnQTdwNFZWdU9VMi1DejVHZHVZVHNoWXdpYzZm?oc=5) · Teknovation.biz
- 2026-08-05 [Commercial Bank rings NASDAQ bell to celebrate public trading milestone and bank's 50th anniversary - Williamson Herald](https://news.google.com/rss/articles/CBMipgJBVV95cUxPTXVlMmtCa3hkU2lKTVJ0NlV5ZFNRTmFlSVhEQ3VGVlJBZGpRWUY3SGhTUVBSSWwxNDZ5MXBPUklMYmJubmxMbEZuQUFCeEpLbHBmNEhaYlI3UkZ1aVNzZEs4RDJsTlE3NF9RdU85WW9PVFd4a09IbEJUakFLYWtNcEhBTTNTVnZWWUx4SG53WEJSSVFlWDc3RGxoQlJaTS1rV0pFZmVMZ0cxcUJ5amRBR291VGhJekJaLWQxdkoxTjVFZkY3bjhFeFIyZmNvRFZnQ2FncnpHR2gyTEhNQ1VTcHZ6MHROdnpCZkNpQVlzZnFfQTB5aFh6NmFHblVyWkxxWktQNWdLOEFfZEtRUTJMR0REcHdkazd2R25PMjlHUVlkVUpKTUE?oc=5) · Williamson Herald
- 2026-03-30 [Commercial Bank’s Terry Lee rings Nasdaq opening bell - Claiborne Progress](https://news.google.com/rss/articles/CBMimgFBVV95cUxQZldNZXlnVVEtZkVUY0VYOU5hZXdPZFJnd1V5OWJQS3c0emJNazZ2WHRwaFhBQUl5Y3ZFSDlRT1BmQmg5bjd0LWxxQ0lfdWJCWmpkcnlMU0Zrdlc3aDdHckk1c0hvcjN5NEN0bW9ENXR1c0dNZGdtRDYwWHZJcmRwZkFOUEF3dXk4Z0J0Z2xLS2NLV0ZfRUZhVVRn?oc=5) · Claiborne Progress
- 2025-09-22 [Tennessee bank aims to raise up to $103.7M in IPO - Banking Dive](https://news.google.com/rss/articles/CBMigAFBVV95cUxPNDJTSW1OZjNVOWpEZGxmcFZ6VFY3TzJuSWhkenVocnF0aWhEZlBibGZmdU91QmxmbmlHVW0wSHBHSlBNd1FzLVJNYlI4Rnk1a0llLURya0dMWWR1d1FSUU9YaVlwU0ZBakV5eW5yNHEwMmpIdEFGcVR2QmZZdWFkeA?oc=5) · Banking Dive
- 2026-04-01 [Commercial Bank representatives ring Nasdaq opening bell, celebrate milestones - Kingsport Times News](https://news.google.com/rss/articles/CBMisgFBVV95cUxOS0hxbUZ3SzNMSVRYaDZ5TzU1UWk5clVmd1hPVmMtT252Yll2WS1Hbko5Y0JDeGFPWEY2VGFpNUhEckVnZ3dheWpReG9wZURYVkxPN01XeEpaRmlyR3l1emExRDQ1Z3QwMmNhblBxbUk0YjBfYmk2emRoWnNnbXVMWVp5RjhfaUhWWDJualJkOHdObFBhZ0JObFJZN3ZaV2hwV243Q0FuNVBIRmRpWjhMWGNR?oc=5) · Kingsport Times News
- 2025-10-02 [CBK IPO News - Tennessee community bank Commercial Bancgroup prices upsized IPO at $24, below the range - renaissancecapital.com](https://news.google.com/rss/articles/CBMizgFBVV95cUxNNFlnMkdoZ21SeExYUGUzY09lVGl4UVVxWW9Yb1ZGSVVqY1ktZ3JpZlVFTWQ4b1I4OGdUalVNYm9FeXFGdFd2bTRhTzlucndrR09NS0FZZWtYc0FMUktUeVlPUkFCWlYtb3Z5THQ5UGxTUnBZeUFvUnZQaG9IblBmbkM2dDl1RlZlNDBWMDJKMFRPMlh5UHNtb0ZnaHBlSWl3SWpzNlNEcFc2OW9DLXhNTURnSXAyeF9PNm5YcFVXaHk3U01KV1ZlY0dkZTh5Zw?oc=5) · renaissancecapital.com
- 2024-06-04 [Gastonia-based Alliance Bank & Trust to merge with Tennessee's Commercial Bank - The Business Journals](https://news.google.com/rss/articles/CBMiogFBVV95cUxOeU56YWJyUUNYVlk5Z1ctSm9oRFR0MFhZUHhIQXpaVWxqbjNmUmF6b3hyajdublhoU0paWmVUYjVMYVRiMzRrdDVJWTNCMnpjdXRkZl9Oc1dFNFBoZm9NNUQxSjRpaF9BaFZKS1dUU2hXWDY1WElOY1RvSkdrWDFfV2l6YjdFM2dPbkNOcFhjQURCSHFrck5ocGxSNDlwNnUwRXc?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=22354 (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/18.json (key "22354", 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