The Commercial Bank: how it compares with its peers
Against 13 SC banks with half to twice its assets, The Commercial Bank's strongest measure in Q2 2026 is return on assets (0.77% vs. a 1.19% peer median). Its weakest relative measure is net interest margin (3.00% vs. 3.96%).
| Measure | The Commercial Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.77% | 1.19% | Middle third Ahead of 46% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.00% | 3.96% | Bottom third Ahead of 8% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 75.04% | 66.51% | Middle third Ahead of 38% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $4.6M | $6.0M | Bottom third Ahead of 8% of peers |
| Loans to deposits Net loans and leases over total deposits. | 40.26% | 69.68% | Context |
What it means for lending operations
Its efficiency ratio of 75.04% is above the 66.51% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- First National Bank of South Carolina Holly Hill, SC · $310M
- Bank of York York, SC · $318M
- Blue Ridge Bank Walhalla, SC · $199M
- CBL State Savings Bank Greer, SC · $191M
- Southern Bank Spartanburg, SC · $408M
- Bank of Greeleyville Greeleyville, SC · $160M
Questions about The Commercial Bank
How big is The Commercial Bank?
The Commercial Bank, established in 1934, is headquartered in Honea Path, SC. It reported $284M in total assets in its Q2 2026 FDIC call report and operates 8 offices.
What is The Commercial Bank's return on assets?
0.77% annualized in Q2 2026, against a 1.19% median for 13 SC banks with half to twice its assets, ahead of 46% of them.
What is The Commercial Bank's efficiency ratio?
75.04% in Q2 2026: it spent about 75 cents in noninterest expense for each dollar of revenue. The peer median is 66.51%, and lower is better.
Is The Commercial Bank growing its loans?
Net loans grew 6.9% over the year to Q2 2026, while deposits grew 5.3%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are SC banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every South Carolina bank ranked.