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Commercial Bank & Trust Co.

$1B-$10B Specialty: Commercial TN FDIC cert 8660

Designations: ✓ Community bank

Paris, TN

11 branches across TN · MS

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 885 banks in the $1B-$10B peer group nationwide — 1 of 28 in TN.
  • Deposits -4.0% year over year ($972.0M on the books).
  • Delinquency rate 0.15%.
  • Return on assets 1.26%.
  • Efficiency ratio 66.52% vs a 59.73% peer average.
  • Loan-to-deposit ratio 64.95% vs a 85.04% peer average.

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

885 banks in the $1B-$10B peer group nationally 28 in TN
View $1B-$10B leaderboard (TN) →

Commercial Bank & Trust Co. has 1 strength but faces 5 concerns

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 4.5% in tier

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 21.3% in tier
  • - Credit Risk Growth: Bottom 37.3% in tier
  • - ROA 0.13% below tier average
  • - Net Interest Margin 0.35% below tier average
  • - Efficiency Ratio 6.79% above tier average
Get updates when Commercial Bank & Trust Co. releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
Total Assets ? $1.1B
-2.6% YoY -1.5% QoQ
-$1.7B $2.8B
-0.6% YoY
$2.9B
+37.8% YoY
$6.3B
+7.7% YoY
Bottom 8.0% in tier
Total Loans ? $631.3M
+7.4% YoY +3.9% QoQ
-$1.3B $2.0B
-0.3% YoY
$2.1B
+37.6% YoY
$3.2B
+9.4% YoY
Bottom 5.0% in tier
Total Deposits ? $972.0M
-4.0% YoY -2.0% QoQ
-$1.3B $2.3B
-0.5% YoY
$2.4B
+35.4% YoY
$4.9B
+7.3% YoY
Bottom 13.3% in tier
Return on Assets ? 1.26%
+24.5% YoY +6.9% QoQ
-0.13% 1.39%
+17.0% YoY
1.13%
+12.0% YoY
1.30%
+12.1% YoY
50%
Net Interest Margin ? 3.52%
+10.7% YoY +3.3% QoQ
-0.35% 3.87%
+6.2% YoY
3.99%
+5.6% YoY
3.95%
+4.9% YoY
37%
Efficiency Ratio ? 66.52%
-8.7% YoY -1.6% QoQ
+6.79% 59.73%
-12.6% YoY
65.40%
-4.8% YoY
70.05%
+2.5% YoY
28%
Delinquency Rate ? 0.15%
+808.2% YoY -12.7% QoQ
-0.72% 0.87%
+11.7% YoY
0.70%
+6.5% YoY
0.98%
+16.3% YoY
83%
Loan-to-Deposit Ratio ? 64.95%
+11.8% YoY +6.0% QoQ
-20.09% 85.04%
-0.1% YoY
81.19%
+2.5% YoY
79.03%
+2.3% YoY
Top 10.5% in tier
Non-Interest-Bearing Deposit Share ? 21.91%
+6.9% YoY -0.9% QoQ
+0.64% 21.27%
-1.5% YoY
18.80%
-1.8% YoY
21.98%
-0.6% YoY
60%
Nonperforming Asset Ratio ? 0.09%
+450.4% YoY -5.0% QoQ
-0.58% 0.67%
+11.7% YoY
0.58%
+9.8% YoY
0.69%
+15.8% YoY
Top 13.9% in tier
Tier 1 Capital Ratio ? 19.46%
+0.3% YoY -1.1% QoQ
+4.62% 14.84%
-0.4% YoY
14.06%
-1.8% YoY
17.09%
+0.8% YoY
Top 8.5% in tier
Non-Interest Income / Assets ? 0.56%
+6.7% YoY +97.9% QoQ
+0.04% 0.53%
+2.5% YoY
0.34%
-6.5% YoY
0.66%
+5.2% YoY
84%

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 (TN) National Avg Tier Percentile
Noninterest-Bearing 21.9%
+1.4pp YoY
-0.2pp QoQ
 +0.5pp 21.4% 18.8% 22.2% 60%
Brokered Deposits n/a n/a 9.5% 9.4% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
C&I 17.0%
-0.3pp YoY
+0.5pp QoQ
 +3.0pp 14.0% 10.9% 12.5% 73%
CRE 25.9%
+0.6pp YoY
-0.7pp QoQ
 -24.1pp 50.0% 42.4% 41.4% 9%
1-4 Family 44.7%
-0.8pp YoY
-0.4pp QoQ
 +18.3pp 26.4% 39.8% 31.3% 86%
Consumer 3.6%
-0.2pp YoY
-0.3pp QoQ
 -1.1pp 4.7% 4.5% 5.0% 77%

Capital

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
CET1 Ratio 19.5%
+0.1pp YoY
-0.2pp QoQ
 +3.9pp 15.6% 14.8% 19.7% 90%
Leverage Ratio 12.1%
+0.6pp YoY
+0.2pp QoQ
 +0.8pp 11.3% 11.4% 12.6% 77%
Total Capital Ratio 20.7%
+0.1pp YoY
-0.2pp QoQ
 +4.0pp 16.7% 15.9% 20.8% 90%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
Full-Time Employees 194
-9 (-4.4%) YoY
0 QoQ
 -120 313 270 482 40%
Assets per Employee ($) $5.6M
+1.9% YoY
-1.5% QoQ
 -$4.9M $10.5M $7.1M $8.8M 8%
Branch Count 11
0 YoY
0 QoQ
 -9 20 17 18 35%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
Past Due 90+ Days 0.0%
0.0pp YoY
0.0pp QoQ
 -0.2pp 0.2% 0.2% 0.4% 20%
Nonaccrual 0.1%
+0.1pp YoY
0.0pp QoQ
 -0.7pp 0.8% 0.7% 1.0% 16%
Allowance Coverage 9.86x
-88.3% YoY
+15.0% QoQ
 -8.85x 18.71x 28.97x 20.23x 89%
Net Charge-off Rate (YTD) 0.1%
-0.1pp YoY
0.0pp QoQ
 -0.2pp 0.3% 0.1% 0.2% 56%

Profitability

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
ROE 14.3%
+0.8pp YoY
+0.7pp QoQ
 +1.7pp 12.6% 10.9% 11.6% 68%
Cost of Funds (YTD) 1.4%
-0.3pp YoY
0.0pp QoQ
 -0.5pp 1.9% 2.0% 1.7% 18%
Net Income ($, YTD) $6.9M
+23.8% YoY
— QoQ
 -$12.4M $19.2M $16.7M $40.4M 22%

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 (1)

Credit Quality Leader

growth
#11 of 221 • Top 4.5% in tier

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

Why this signature
Delinquency Rate: 0.15%
(Tier: 0.87%, National: 0.98%)
better than tier avg
221 of 221 Mid-Market banks match · 920 nationally
→ Stable +1 banks QoQ | QoQ rank improving

Concerns (2)

Credit Quality Pressure

risk
#106 of 492 • Bottom 21.3% in tier

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

Why this signature
Delinquency Rate: 0.15%
(Tier: 0.87%, National: 0.98%)
better than tier avg
492 of 492 Mid-Market banks match · 1820 nationally
→ Stable -71 banks QoQ | QoQ rank improving

Credit Risk Growth

risk
#151 of 402 • Bottom 37.3% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

402 of 402 Mid-Market banks match · 1401 nationally
→ Stable -58 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 885 peers in $1B-$10B

Top Strengths (5 metrics)

76
Tier 1 Capital Ratio
capital
Value: 19.46%
Peer Median: 14.84%
#76 of 885 Top 8.5% in $1B-$10B
94
Loan-to-Deposit Ratio
liquidity
Value: 64.95%
Peer Median: 85.04%
#94 of 885 Top 10.5% in $1B-$10B
124
Nonperforming Asset Ratio
credit_quality
Value: 0.09%
Peer Median: 0.67%
#124 of 885 Top 13.9% in $1B-$10B
140
Non-Interest Income / Assets
revenue_mix
Value: 0.56%
Peer Median: 0.53%
#140 of 885 Top 15.7% in $1B-$10B
152
Delinquency Rate
credit_quality
Value: 0.15%
Peer Median: 0.87%
#152 of 882 Top 17.1% in $1B-$10B

Top Weaknesses (3 metrics)

842
Total Loans
size
Value: $631.28M
Peer Median: $1.96B
#842 of 885 Bottom 5.0% in $1B-$10B
815
Total Assets
size
Value: $1.08B
Peer Median: $2.79B
#815 of 885 Bottom 8.0% in $1B-$10B
768
Total Deposits
size
Value: $971.96M
Peer Median: $2.32B
#768 of 885 Bottom 13.3% in $1B-$10B
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