The Commercial Bank: how it compares with its peers
Against 69 GA banks with half to twice its assets, The Commercial Bank's strongest measure in Q2 2026 is return on assets (3.14% vs. a 1.58% peer median). Its weakest relative measure is assets per employee ($8.6M vs. $7.1M).
| Measure | The Commercial Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 3.14% | 1.58% | Top third Ahead of 96% of peers |
| Net interest margin Annualized net interest income over earning assets. | 5.12% | 4.61% | Top third Ahead of 87% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 41.24% | 56.69% | Top third Ahead of 96% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $8.6M | $7.1M | Top third Ahead of 68% of peers |
| Loans to deposits Net loans and leases over total deposits. | 81.66% | 80.31% | Context |
What it means for lending operations
Its efficiency ratio of 41.24% is better than the 56.69% 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
- First Peoples Bank Pine Mountain, GA · $449M
- Bank of Madison Madison, GA · $448M
- The Bank of LaFayette, Georgia La Fayette, GA · $447M
- Glennville Bank Glennville, GA · $444M
- Planters First Bank Cordele, GA · $486M
- Century Bank and Trust Milledgeville, GA · $491M
Questions about The Commercial Bank
How big is The Commercial Bank?
The Commercial Bank, established in 1924, is headquartered in Crawford, GA. It reported $464M in total assets in its Q2 2026 FDIC call report and operates 5 offices.
What is The Commercial Bank's return on assets?
3.14% annualized in Q2 2026, against a 1.58% median for 69 GA banks with half to twice its assets, ahead of 96% of them.
What is The Commercial Bank's efficiency ratio?
41.24% in Q2 2026: it spent about 41 cents in noninterest expense for each dollar of revenue. The peer median is 56.69%, and lower is better.
Is The Commercial Bank growing its loans?
Net loans grew 12.0% over the year to Q2 2026, while deposits grew 7.2%.
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.