Commercial Banking Company: how it compares with its peers
Against 71 GA banks with half to twice its assets, Commercial Banking Company's strongest measure in Q2 2026 is return on assets (1.94% vs. a 1.56% peer median). Its weakest relative measure is assets per employee ($5.5M vs. $7.1M).
| Measure | Commercial Banking Company | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.94% | 1.56% | Top third Ahead of 83% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.80% | 4.52% | Middle third Ahead of 66% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 55.38% | 57.74% | Middle third Ahead of 59% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.5M | $7.1M | Bottom third Ahead of 11% of peers |
| Loans to deposits Net loans and leases over total deposits. | 83.29% | 80.23% | Context |
What it means for lending operations
Its efficiency ratio of 55.38% is better than the 57.74% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Exchange Bank Milledgeville, GA · $410M
- CIBC National Trust Company Atlanta, GA · $413M
- Touchmark National Bank Alpharetta, GA · $417M
- F&M Bank Washington, GA · $420M
- The Citizens Bank of Swainsboro Swainsboro, GA · $420M
- Great Oaks Bank Richmond Hill, GA · $422M
Questions about Commercial Banking Company
How big is Commercial Banking Company?
Commercial Banking Company, established in 1934, is headquartered in Valdosta, GA. It reported $410M in total assets in its Q2 2026 FDIC call report and operates 5 offices.
What is Commercial Banking Company's return on assets?
1.94% annualized in Q2 2026, against a 1.56% median for 71 GA banks with half to twice its assets, ahead of 83% of them.
What is Commercial Banking Company's efficiency ratio?
55.38% in Q2 2026: it spent about 55 cents in noninterest expense for each dollar of revenue. The peer median is 57.74%, and lower is better.
Is Commercial Banking Company growing its loans?
Net loans grew 17.1% over the year to Q2 2026, while deposits grew 14.3%.
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 GA 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 Georgia bank ranked.