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The Commercial Bank

$100M-$1B Specialty: Commercial GA FDIC cert 175

Crawford, 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 +7.2% year over year ($419.2M on the books).
  • Delinquency rate 0.17%.
  • Return on assets 3.14%.
  • Efficiency ratio 41.24% vs a 64.48% peer average.
  • Loan-to-deposit ratio 81.66% 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) →

The Commercial Bank has 4 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

  • + Profitability Leader: Top 30.9% in tier
  • + Deposit Franchise: Top 31.7% in tier
  • + Efficiency Ratio 23.24% below tier average
  • + Delinquency Rate 0.75% below tier average

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 20.9% in tier
Get updates when The Commercial Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
Total Assets ? $463.7M
+8.5% YoY +1.1% QoQ
+$77.2M $386.6M
+1.2% YoY
$843.5M
+13.2% YoY
$6.3B
+7.7% YoY
69%
Total Loans ? $342.3M
+12.0% YoY +6.0% QoQ
+$83.9M $258.3M
+1.7% YoY
$581.6M
+14.3% YoY
$3.2B
+9.4% YoY
73%
Total Deposits ? $419.2M
+7.2% YoY +0.5% QoQ
+$92.4M $326.7M
+0.7% YoY
$711.6M
+12.3% YoY
$4.9B
+7.3% YoY
72%
Return on Assets ? 3.14%
+4.7% YoY +0.3% QoQ
+1.81% 1.32%
+10.8% YoY
1.55%
+0.3% YoY
1.30%
+12.1% YoY
Top 1.7% in tier
Net Interest Margin ? 5.12%
+1.5% YoY +1.9% QoQ
+1.14% 3.99%
+5.0% YoY
4.42%
+1.2% YoY
3.95%
+4.9% YoY
Top 6.4% in tier
Efficiency Ratio ? 41.24%
-5.0% YoY +2.1% QoQ
-23.24% 64.48%
-3.2% YoY
63.07%
+1.6% YoY
70.05%
+2.5% YoY
Top 5.1% in tier
Delinquency Rate ? 0.17%
+246.9% YoY +36.8% QoQ
-0.75% 0.92%
+15.7% YoY
0.77%
+14.9% YoY
0.98%
+16.3% YoY
68%
Loan-to-Deposit Ratio ? 81.66%
+4.5% YoY +5.5% QoQ
+3.71% 77.95%
+1.0% YoY
78.13%
+10.7% YoY
79.03%
+2.3% YoY
46%
Non-Interest-Bearing Deposit Share ? 34.28%
-5.1% YoY +0.8% QoQ
+12.25% 22.03%
-0.6% YoY
26.00%
-3.3% YoY
21.98%
-0.6% YoY
Top 10.5% in tier
Nonperforming Asset Ratio ? 0.12%
+258.2% YoY +43.6% QoQ
-0.54% 0.67%
+16.4% YoY
0.54%
+11.1% YoY
0.69%
+15.8% YoY
68%
Tier 1 Capital Ratio ? 10.72%
+3.0% YoY +3.7% QoQ
-5.19% 15.91%
+1.4% YoY
19.50%
+7.6% YoY
17.09%
+0.8% YoY
20%
Non-Interest Income / Assets ? 0.30%
-15.7% YoY +94.3% QoQ
-0.26% 0.57%
+7.6% YoY
0.44%
+3.6% YoY
0.66%
+5.2% YoY
72%

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 34.3%
-1.8pp YoY
+0.3pp QoQ
 +12.1pp 22.1% 26.2% 22.2% 89%
Brokered Deposits n/a n/a 7.9% 7.5% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
C&I 6.2%
0.0pp YoY
-0.1pp QoQ
 -5.3pp 11.6% 9.7% 12.5% 27%
CRE 51.8%
-1.8pp YoY
+0.9pp QoQ
 +12.3pp 39.5% 48.9% 41.4% 73%
1-4 Family 36.2%
+1.4pp YoY
-1.2pp QoQ
 +3.5pp 32.6% 31.7% 31.3% 64%
Consumer 1.9%
-0.4pp YoY
-0.1pp QoQ
 -2.3pp 4.1% 4.8% 5.0% 45%

Capital

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 20.9% 19.7% n/a
Leverage Ratio 10.7%
+0.3pp YoY
+0.4pp QoQ
 -1.5pp 12.2% 14.0% 12.6% 45%
Total Capital Ratio n/a n/a 19.9% 22.1% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
Full-Time Employees 54
+1 (+1.9%) YoY
+1 (+1.9%) QoQ
 -5 58 98 482 57%
Assets per Employee ($) $8.6M
+6.5% YoY
-0.8% QoQ
 +$1.1M $7.5M $7.5M $8.8M 75%
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 n/a n/a 0.3% 0.1% 0.4% n/a
Nonaccrual 0.2%
+0.1pp YoY
0.0pp QoQ
 -0.8pp 0.9% 0.8% 1.0% 27%
Allowance Coverage 10.20x
-72.5% YoY
-30.0% QoQ
 -13.96x 24.15x 38.10x 20.23x 82%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 34%

Profitability

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
ROE 37.0%
-3.5pp YoY
-0.3pp QoQ
 +24.8pp 12.2% 13.6% 11.6% 99%
Cost of Funds (YTD) 1.2%
-0.2pp YoY
0.0pp QoQ
 -0.5pp 1.7% 1.6% 1.7% 18%
Net Income ($, YTD) $7.2M
+12.4% YoY
— QoQ
 +$4.7M $2.6M $6.6M $40.4M 96%

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 (2)

Profitability Leader

growth
#205 of 661 • Top 30.9% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature
Return on Assets: 3.14%
(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
#89 of 278 • Top 31.7% 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: 34.28%
(Tier: 22.03%, National: 21.98%)
better than tier avg
Net Interest Margin: 5.12%
(Tier: 3.99%, National: 3.95%)
better than tier avg
278 of 278 Community banks match · 368 nationally
→ Stable -1 banks QoQ | QoQ rank improving

Concerns (1)

Credit Quality Pressure

risk
#263 of 1256 • Bottom 20.9% in tier

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

Why this signature
Delinquency Rate: 0.17%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ | QoQ rank declining

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 (4 metrics)

46
Return on Assets
profitability
Value: 3.14%
Peer Median: 1.32%
#46 of 2643 Top 1.7% in $100M-$1B
136
Efficiency Ratio
profitability
Value: 41.24%
Peer Median: 64.48%
#136 of 2643 Top 5.1% in $100M-$1B
171
Net Interest Margin
profitability
Value: 5.12%
Peer Median: 3.99%
#171 of 2643 Top 6.4% in $100M-$1B
278
Non-Interest-Bearing Deposit Share
funding
Value: 34.28%
Peer Median: 22.03%
#278 of 2643 Top 10.5% in $100M-$1B

Top Weaknesses (1 metrics)

2128
Tier 1 Capital Ratio
capital
Value: 10.72%
Peer Median: 15.91%
#2128 of 2643 Bottom 19.5% in $100M-$1B
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