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Commercial Banking Company

$100M-$1B Specialty: Commercial GA FDIC cert 16246

Valdosta, GA

5 branches across GA

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 96 in GA.
  • Deposits +14.3% year over year ($361.6M on the books).
  • Delinquency rate 0.04%.
  • Return on assets 1.94%.
  • Efficiency ratio 55.38% vs a 64.48% peer average.
  • Loan-to-deposit ratio 83.29% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 96 in GA
View $100M-$1B leaderboard (GA) →

Commercial Banking Company has 5 strengths but faces 1 concern

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Credit Quality Leader: Top 11.7% in tier
  • + Revenue Diversifier: Top 19.4% in tier
  • + Deposit Franchise: Top 62.6% in tier
  • + ROA 0.62% above tier average
  • + Efficiency Ratio 9.10% below tier average

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 3.4% in tier
Get updates when Commercial Banking Company releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
Total Assets ? $409.5M
+14.8% YoY +0.2% QoQ
+$22.9M $386.6M
+1.2% YoY
$843.5M
+13.2% YoY
$6.3B
+7.7% YoY
62%
Total Loans ? $301.2M
+17.1% YoY +1.5% QoQ
+$42.9M $258.3M
+1.7% YoY
$581.6M
+14.3% YoY
$3.2B
+9.4% YoY
67%
Total Deposits ? $361.6M
+14.3% YoY -0.4% QoQ
+$34.9M $326.7M
+0.7% YoY
$711.6M
+12.3% YoY
$4.9B
+7.3% YoY
65%
Return on Assets ? 1.94%
+13.3% YoY -3.9% QoQ
+0.62% 1.32%
+10.8% YoY
1.55%
+0.3% YoY
1.30%
+12.1% YoY
Top 14.6% in tier
Net Interest Margin ? 4.80%
-4.5% YoY -0.6% QoQ
+0.81% 3.99%
+5.0% YoY
4.42%
+1.2% YoY
3.95%
+4.9% YoY
Top 12.0% in tier
Efficiency Ratio ? 55.38%
-5.9% YoY +2.6% QoQ
-9.10% 64.48%
-3.2% YoY
63.07%
+1.6% YoY
70.05%
+2.5% YoY
71%
Delinquency Rate ? 0.04%
+24.1% YoY -5.4% QoQ
-0.88% 0.92%
+15.7% YoY
0.77%
+14.9% YoY
0.98%
+16.3% YoY
81%
Loan-to-Deposit Ratio ? 83.29%
+2.4% YoY +2.0% QoQ
+5.34% 77.95%
+1.0% YoY
78.13%
+10.7% YoY
79.03%
+2.3% YoY
42%
Non-Interest-Bearing Deposit Share ? 33.17%
-15.1% YoY +0.9% QoQ
+11.14% 22.03%
-0.6% YoY
26.00%
-3.3% YoY
21.98%
-0.6% YoY
Top 12.3% in tier
Nonperforming Asset Ratio ? 0.03%
-76.0% YoY -4.1% QoQ
-0.64% 0.67%
+16.4% YoY
0.54%
+11.1% YoY
0.69%
+15.8% YoY
82%
Tier 1 Capital Ratio ? 14.43%
-11.4% YoY +1.2% QoQ
-1.48% 15.91%
+1.4% YoY
19.50%
+7.6% YoY
17.09%
+0.8% YoY
61%
Non-Interest Income / Assets ? 0.60%
+49.3% YoY +78.0% QoQ
+0.04% 0.57%
+7.6% YoY
0.44%
+3.6% YoY
0.66%
+5.2% YoY
Top 6.9% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
Noninterest-Bearing 33.2%
-5.9pp YoY
+0.3pp QoQ
 +11.0pp 22.1% 26.2% 22.2% 88%
Brokered Deposits 11.3%
+6.5pp YoY
+1.0pp QoQ
 +3.4pp 7.9% 7.5% 8.5% 78%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
C&I 7.1%
-1.9pp YoY
-2.4pp QoQ
 -4.5pp 11.6% 9.7% 12.5% 34%
CRE 50.6%
+10.5pp YoY
+6.5pp QoQ
 +11.0pp 39.5% 48.9% 41.4% 71%
1-4 Family 36.7%
-3.3pp YoY
-0.7pp QoQ
 +4.0pp 32.6% 31.7% 31.3% 65%
Consumer 1.0%
-0.1pp YoY
+0.1pp QoQ
 -3.1pp 4.1% 4.8% 5.0% 29%

Capital

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
CET1 Ratio 14.4%
-1.9pp YoY
+0.2pp QoQ
 -4.4pp 18.8% 20.9% 19.7% 44%
Leverage Ratio 10.3%
-0.7pp YoY
+0.1pp QoQ
 -1.9pp 12.2% 14.0% 12.6% 38%
Total Capital Ratio 15.7%
-1.9pp YoY
+0.2pp QoQ
 -4.3pp 19.9% 22.1% 20.8% 45%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
Full-Time Employees 75
+5 (+7.1%) YoY
+2 (+2.7%) QoQ
 +16 58 98 482 74%
Assets per Employee ($) $5.5M
+7.2% YoY
-2.5% QoQ
 -$2.1M $7.5M $7.5M $8.8M 22%
Branch Count 5
0 YoY
0 QoQ
 0 4 6 18 55%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
Past Due 90+ Days 0.0%
0.0pp QoQ
 -0.3pp 0.3% 0.1% 0.4% 1%
Nonaccrual 0.0%
0.0pp YoY
0.0pp QoQ
 -0.9pp 0.9% 0.8% 1.0% 10%
Allowance Coverage 31.93x
-25.9% YoY
+5.7% QoQ
 +7.77x 24.15x 38.10x 20.23x 92%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 33%

Profitability

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
ROE 20.6%
+3.0pp YoY
-0.8pp QoQ
 +8.4pp 12.2% 13.6% 11.6% 89%
Cost of Funds (YTD) 1.5%
+0.2pp YoY
+0.1pp QoQ
 -0.2pp 1.7% 1.6% 1.7% 38%
Net Income ($, YTD) $3.9M
+27.1% YoY
— QoQ
 +$1.3M $2.6M $6.6M $40.4M 79%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (3)

Credit Quality Leader

growth
#78 of 659 • Top 11.7% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature
Delinquency Rate: 0.04%
(Tier: 0.92%, National: 0.98%)
better than tier avg
659 of 659 Community banks match · 920 nationally
→ Stable +1 banks QoQ | QoQ rank improving

Revenue Diversifier

growth
#129 of 661 • Top 19.4% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature
Noninterest Income / Assets: 0.60%
(Tier: 0.57%, National: 0.66%)
better than tier avg
Return on Assets: 1.94%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank declining

Deposit Franchise

growth
#175 of 278 • Top 62.6% in tier

Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.

Why this signature
Noninterest-Bearing Deposit Share: 33.17%
(Tier: 22.03%, National: 21.98%)
better than tier avg
Net Interest Margin: 4.80%
(Tier: 3.99%, National: 3.95%)
better than tier avg
278 of 278 Community banks match · 368 nationally
→ Stable -1 banks QoQ | QoQ rank declining

Concerns (1)

Credit Quality Pressure

risk
#44 of 1256 • Bottom 3.4% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.04%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (6 metrics)

183
Non-Interest Income / Assets
revenue_mix
Value: 0.60%
Peer Median: 0.57%
#183 of 2643 Top 6.9% in $100M-$1B
318
Net Interest Margin
profitability
Value: 4.80%
Peer Median: 3.99%
#318 of 2643 Top 12.0% in $100M-$1B
325
Non-Interest-Bearing Deposit Share
funding
Value: 33.17%
Peer Median: 22.03%
#325 of 2643 Top 12.3% in $100M-$1B
388
Return on Assets
profitability
Value: 1.94%
Peer Median: 1.32%
#388 of 2643 Top 14.6% in $100M-$1B
472
Nonperforming Asset Ratio
credit_quality
Value: 0.03%
Peer Median: 0.67%
#472 of 2643 Top 17.8% in $100M-$1B
504
Delinquency Rate
credit_quality
Value: 0.04%
Peer Median: 0.92%
#504 of 2633 Top 19.1% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available
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