Commercial Bank: how it compares with its peers
Against 18 TN banks with half to twice its assets, Commercial Bank's strongest measure in Q2 2026 is efficiency ratio (40.80% vs. a 55.03% peer median). Its weakest relative measure is assets per employee ($8.0M vs. $8.1M).
| Measure | Commercial Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.82% | 1.70% | Middle third Ahead of 56% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.89% | 3.82% | Middle third Ahead of 56% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 40.80% | 55.03% | Top third Ahead of 94% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $8.0M | $8.1M | Middle third Ahead of 50% of peers |
| Loans to deposits Net loans and leases over total deposits. | 100.20% | 79.02% | Context |
What it means for lending operations
Its efficiency ratio of 40.80% is better than the 55.03% 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
- Builtwell Bank Chattanooga, TN · $2.28B
- Bank of Tennessee Kingsport, TN · $2.25B
- Home Federal Bank of Tennessee Knoxville, TN · $2.73B
- Citizens National Bank Sevierville, TN · $1.96B
- Independent Bank Memphis, TN · $1.85B
- Wellworth Bank Lafayette, TN · $1.84B
Questions about Commercial Bank
How big is Commercial Bank?
Commercial Bank, established in 1976, is headquartered in Harrogate, TN. It reported $2.36B in total assets in its Q2 2026 FDIC call report and operates 40 offices.
What is Commercial Bank's return on assets?
1.82% annualized in Q2 2026, against a 1.70% median for 18 TN banks with half to twice its assets, ahead of 56% of them.
What is Commercial Bank's efficiency ratio?
40.80% in Q2 2026: it spent about 41 cents in noninterest expense for each dollar of revenue. The peer median is 55.03%, and lower is better.
Is Commercial Bank growing its loans?
Net loans grew 8.5% over the year to Q2 2026, while deposits grew 3.0%.
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 TN 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 Tennessee bank ranked.