Commercial Bank & Trust Co.: how it compares with its peers
Against 40 TN banks with half to twice its assets, Commercial Bank & Trust Co.'s strongest measure in Q2 2026 is return on assets (1.26% vs. a 1.27% peer median). Its weakest relative measure is assets per employee ($5.6M vs. $6.9M).
| Measure | Commercial Bank & Trust Co. | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.26% | 1.27% | Middle third Ahead of 50% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.52% | 3.92% | Bottom third Ahead of 23% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 66.52% | 57.62% | Bottom third Ahead of 30% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.6M | $6.9M | Bottom third Ahead of 15% of peers |
| Loans to deposits Net loans and leases over total deposits. | 64.95% | 81.79% | Context |
What it means for lending operations
Its efficiency ratio of 66.52% is above the 57.62% 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
- InsBank Nashville, TN · $1.08B
- Centennial Bank Trezevant, TN · $1.06B
- Thread Bank Rogersville, TN · $1.11B
- First Federal Bank Dickson, TN · $1.11B
- Financial Federal Bank Memphis, TN · $1.12B
- The Bank of Fayette County Piperton, TN · $1.14B
Questions about Commercial Bank & Trust Co.
How big is Commercial Bank & Trust Co.?
Commercial Bank & Trust Co., established in 1877, is headquartered in Paris, TN. It reported $1.08B in total assets in its Q2 2026 FDIC call report and operates 11 offices.
What is Commercial Bank & Trust Co.'s return on assets?
1.26% annualized in Q2 2026, against a 1.27% median for 40 TN banks with half to twice its assets, ahead of 50% of them.
What is Commercial Bank & Trust Co.'s efficiency ratio?
66.52% in Q2 2026: it spent about 67 cents in noninterest expense for each dollar of revenue. The peer median is 57.62%, and lower is better.
Is Commercial Bank & Trust Co. growing its loans?
Net loans grew 7.4% over the year to Q2 2026, while deposits shrank 4.0%.
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.