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Commercial Banking Company
Valdosta, GA · FDIC Certificate #16246 · Chartered 01/0
Total assets
$409.51M
Total deposits
$361.63M
Total equity
$38.65M
Net loans
$301.22M
Branches (offices)
5
Net income (YTD)
$3.85M
Rank: #2,038 of 4,213 U.S. banks by assets · #53 of 123 in Georgia. Assets changed 14.8% and deposits 14.3% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.94% |
| Return on equity | 20.60% |
| Net interest margin (YTD) | 4.80% |
| Equity to assets | 9.44% |
| Tier 1 leverage ratio | 10.32% |
| Uninsured deposits (share of deposits) | 33.1% |
| Noncurrent loans (share of loans) | 0.04% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 83.3% |
| Real estate loans (share of loans) | 88.8% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $267.49M | 88.8% | |
| Commercial & industrial | $21.39M | 7.1% | |
| Consumer / individual | $3.11M | 1.0% | |
| Construction & development | $53.80M | 17.9% | |
| Agricultural | $11.15M | 3.7% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $344.43M | $311.99M | $1.73M | $31.40M |
| Jun 2023 | $328.32M | $295.14M | $2.73M | $31.12M |
| Jun 2024 | $354.65M | $316.82M | $2.93M | $34.51M |
| Jun 2025 | $356.70M | $316.43M | $3.03M | $36.24M |
| Jun 2026 | $409.51M | $361.63M | $3.85M | $38.65M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Georgia | $361.63M | 5 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $361.63M.
Similar-sized banks
Waterfall Bank ($409.93M) · Pike National Bank ($408.85M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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