Commercial Bank
Commercial Bank of Harrogate, TN, chartered 1976: 34 offices, $2.36bn in assets, a 11.58% leverage ratio. Straight from the federal record.
Commercial Bank is an FDIC-insured community bank headquartered in Harrogate, TN, chartered in 1976. It is supervised by the Federal Reserve and held by Commercial Bancgroup Inc. Every figure below is filed by the bank with its regulator and reproduced here unchanged.
Where Commercial Bank has branches
34 full-service offices across 3 states:
- Tennessee: 18 offices in 12 towns, holding $1.08bn at 30 June 2025
- Kentucky: 12 offices in 7 towns, holding $543m at 30 June 2025
- North Carolina: 4 offices in 3 towns, holding $228m at 30 June 2025
Commercial Bank on its latest Call Report, 30 June 2026
- Total assets: $2.36bn
- Total deposits: $1.91bn
- Tier 1 leverage ratio: 11.58%
- Total risk-based capital ratio: 13.97%
- Noncurrent loans, as a share of loans: 0.35%
- Return on assets: 1.82%
- Net interest margin: 3.89%
- Staff: 293
Compare Commercial Bank against every other bank with a branch in Tennessee, or find the offices nearest you.
Charter and office records from the FDIC BankFind Suite; capital, loan and earnings figures from the bank's own Call Report; deposits by office from the FDIC Summary of Deposits, counted each 30 June.