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Q2 2026 · read from the 30 June 2026 Call Report · United States · South Central · Tennessee, the state note

Commercial Bank

Harrogate, Tennessee · $2.36B in assets · beside the 11 other Tennessee banks between $1B and $3B

The filing

101.2%
Loans / deposits
12th of 12
42.4%
Efficiency
1st of 12
306.7%
CRE / capital
10th of 12

Commercial Bank is the second largest of the 12 Tennessee banks nearest its size between $1B and $3B, with $2.36B in assets at 30 June 2026. Loans are 101.2% of deposits, the highest in the cohort against a median of 77.5%, and equity is 11.1% of assets, 3rd of 12. Loans grew +8.4% in the year, 6th of 12, and deposits grew 3.0%; the cohort's median loan growth is +7.1%.

Noncurrent loans are 0.35% of the book, 6th of 12 against a median of 0.40%; 0.32% is 30 to 89 days past due, and the allowance covers them 2.8 times. Commercial real estate is 44.3% of loans, 9th of 12 against a median of 37.7%, and 307% of capital, above the 300% screen, with construction at 72% against the 100% screen. CRE has grown +53.0% over 36 months, past the guidance's 50% prong.

Return on assets is 1.87%, 4th of 12 against a median of 1.67%, on an efficiency ratio of 42.4%, the lowest in the cohort. Five years ago it was 1.31%. The question is what the concentration does under a commercial real estate stress, and how much of it is owner-occupied (owner-occupied nonresidential is 25.0% of loans).

Loans as a share of depositsTN banks $1B to $3B · 30 June 2026 · lower is stronger, listed first
median 77.5% FF First Farmers & Merchants Bank 66.3% HF Home Federal Bank of Tennessee 70.4% CT Citizens Tri-county Bank 72.7% OB One Bank of Tennessee 74.0% CN Citizens National Bank 76.4% FN First National Bank of Pulaski 77.3% BB Builtwell Bank 77.8% WB Wellworth Bank 82.4% IB Independent Bank 82.4% SB Security Bank & Trust Co. 84.0% Bo Bank of Tennessee 100.8% CB Commercial Bank 101.2%
Loans, year over yearTN banks $1B to $3B · 30 June 2026 · no better direction, largest first
median +7.1% BB Builtwell Bank +22.8% SB Security Bank & Trust Co. +19.3% Bo Bank of Tennessee +16.1% HF Home Federal Bank of Tennessee +13.7% CT Citizens Tri-county Bank +9.8% CB Commercial Bank +8.4% WB Wellworth Bank +5.7% CN Citizens National Bank +4.3% IB Independent Bank +3.6% FN First National Bank of Pulaski +3.4% FF First Farmers & Merchants Bank +3.3% OB One Bank of Tennessee +1.6%

SBA 7(a), FY2008 to FY2026

Commercial Bank is the 82nd largest 7(a) lender into Tennessee of 374, with $12M across 65 loans, 0.2% of everything approved in the state (Pinnacle Bank leads with $494M). 21 of its 24 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Tennessee, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Knox, TN$6M27th of 1241.2%quiet FY2020
Lincoln, KY$5M1st of 1142.8%quiet FY2014
Gaston, NC$4M16th of 762.0%thin
Hamblen, TN$2M7th of 295.1%quiet FY2022
Harlan, KY$2M1st of 642.7%quiet FY2008
Cleveland, NC$2M19th of 501.6%quiet FY2021
Cullman, AL$1M13th of 362.8%quiet FY2014
Loudon, TN$1M16th of 322.4%quiet FY2015
Bell, KY$986K4th of 910.6%quiet FY2015
Sevier, TN$706K32nd of 520.6%+0.2 pts
Anderson, TN$660K19th of 431.3%quiet FY2013
Knox, KY$555K7th of 105.2%quiet FY2022
Blount, TN$550K30th of 530.6%quiet FY2020
11 smaller markets not shown.
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Manufacturing7$8M28.5%0.02%527th of 2,246
Accommodation & food services11$4M15.3%0.01%878th of 2,596
Retail trade11$4M14.1%0.01%812th of 2,589
Other services12$2M8.7%0.01%792nd of 2,248
Construction9$2M7.4%0.01%910th of 2,063
7(a) lenders into Tennessee, share of approvals since FY2008374 lenders on record; the ten largest and Commercial Bank
PB Pinnacle Bank 8.8% $494M · 516 loans LO Live Oak Banking Company 8.4% $469M · 352 loans UB U.S. Bank, National Association 4.6% $260M · 1,383 loans TH The Huntington National Bank 3.9% $220M · 528 loans RB Regions Bank 3.0% $167M · 232 loans UC United Community Bank 3.0% $166M · 224 loans TB Truist Bank 2.9% $165M · 383 loans SB Simmons Bank 2.2% $126M · 257 loans FH First Horizon Bank 2.1% $116M · 106 loans CB Celtic Bank Corporation 2.0% $109M · 243 loans CB Commercial Bank 0.2% $12M · 65 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 3 CBLR filers; owner-occupied excluded; bold marks a screen met
Commercial BankRankCohort median
Total CRE against capital, the 300% screen307%10th of 12226%
Construction against capital, the 100% screen72%6th of 1272%
Construction and land development, share of loans10.4%4th of 1211.4%
Non-owner-occupied nonfarm nonresidential, share of loans20.6%8th of 1217.7%
Total CRE, the guidance definition, share of loans44.3%9th of 1237.7%
CRE growth over 36 months, the third prong+53.0%11th of 12+25.8%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Home Federal Bank of Tennessee$2.73B0.3%83.7%3.92%0.03%0.9%70.4%16.8%
Commercial Bank$2.36B1.9%42.4%0.35%-0.01%1.0%101.2%11.1%
Builtwell Bank$2.28B2.1%47.6%0.57%-0.05%1.5%77.8%12.0%
Bank of Tennessee$2.25B1.8%56.7%0.45%0.01%0.9%100.8%8.8%
Citizens National Bank$1.96B2.0%42.7%0.04%0.00%1.2%76.4%9.8%
Independent Bank$1.85B1.3%60.7%0.85%0.36%1.1%82.4%10.5%
Wellworth Bank$1.84B1.3%57.5%1.39%0.04%1.1%82.4%9.8%
First Farmers & Merchants Bank$1.76B1.2%61.7%0.12%0.00%0.8%66.3%10.1%
Security Bank & Trust Co.$1.70B1.6%46.8%0.02%0.01%0.3%84.0%10.8%
One Bank of Tennessee$1.67B2.2%49.3%0.01%0.02%0.7%74.0%8.8%
Citizens Tri-county Bank$1.64B1.8%54.5%0.75%0.05%1.6%72.7%9.1%
First National Bank of Pulaski$1.50B1.4%53.6%0.24%0.01%1.3%77.3%10.0%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Commercial BankCohort median
20212026Change20212026Change
Loans$1.20B$1.93B+61%$867M$1.30B+50%
Deposits$1.40B$1.91B+36%$1.21B$1.59B+32%
NPA / loans0.52%0.35%-0.17 pts0.35%0.40%+0.04 pts
Efficiency52.0%42.4%-9.6 pts59.6%54.0%-5.6 pts
ROA1.31%1.87%+0.56 pts1.32%1.67%+0.35 pts

This read was prepared for Commercial Bank's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Commercial Bank is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort TN banks $1B to $3B
Institution www.cbtn.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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